23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Product: Debt collection

I am a victim of identity theft and my ftc theft report number is XXXX.
Product: Prepaid card

I switched from my XXXX postpaid to prepaid. XXXX reimbursed me for overpaid fees by sending me a Citibank prepaid card preloaded with these fees ( roughly {$27.00} ). To access the funds I needed to " register '' the card on a website operated by Citibank. This was necessary to have the funds wired to my bank account as I did not want to use the debit card. However, the Citibank website XXXX logs me out every time I either try to have the funds wired or being sent to me as a check. After having tried with different browsers I gave up and started using the card to pay for purchases in order to make some use of the funds. However, to do this, " activation '' of the card is necessary as well and the activation leads to additional costs, depending on card usage etc. Trying to cancel the card is not possible as the website is broken beyond repair for weeks now and the phone number provided only is a robot that is not helpful. 

So XXXX forwarded the money they owe me to Citibank, which provided me with 3 ways of accessing these funds ( transfer to bank account, send check, use card for purchases ), all of them forcing me into an agreement with Citibank which produces additional costs, two of them not working at all due to website errors, and no working way of cancelling the card.
Product: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.
Product: Credit reporting or other personal consumer reports

To my utter surprise, I found inaccurate accounts listed on my credit report today, with no explanation as to how they appeared. Checking my credit report is something I do regularly, and I was shocked to find these discrepancies for the first time. Even after refreshing my browser to rule out a technical glitch, the mistakes persisted.
Product: Debt collection

I have identified multiple inaccurate accounts on my credit report, which I believe to be fraudulent. Please block and remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Amex has decrease my credit card limit from XXXX to XXXX without an adverse notice regarding the promotion. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The XXXX covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The XXXX requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The XXXX covers applications for credit as well, along with requests for credit limit increases on existing accounts.
Product: Debt collection

On XX/XX/19, XXXX XXXX contacted me via text message twice without ever having my consent to do so. In this communication they did not provide proper advisement that this is an attempt to collect a debt and any information obtained Will be used for that purpose. Additionally, it was disclosed in the text message that the debt was owed to a medical facility which comes very close to violating HIPAA since this company had in no way actually verified my phone number and could have been disclosing this information to anyone. Upon contacting the company and trying to figure out how or if they had obtained my authorization to text me, they advised that it was provided by the client and if I have a problem with it, I should get an attorney.
Product: Credit reporting

Filed a dispute with the XXXX credit agencies ( XXXX, Equifax and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
Product: Checking or savings account

On XX/XX/2023 I received and email that a checking account was opened in my name with Bank of America. I have already had a checking and savings account with them for over a decade, and had no knowledge of this account. I contact bank of america and at first they advised there was no such account, after further investigation, they agreed their was an account opened in my name. They shut it down and advised me my identity was compromised. I am concerned that they did not do their due diligence when allowing someone to open an additional account in my name, they did not notify of me of the application, they did not require a copy of my DL and or any other due diligence. I only found out because I received an email with an account approval
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. XXXX XXXX XXXX   should have fallen off I was not late and anything to do with student loans is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s. While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.
Product: Vehicle loan or lease

I was at the end of my lease and after paying it on time for 4 years while I went through a bankruptcy which I never included with US Bank and my XXXX XXXX XXXX lease. I started my lease in XX/XX/XXXX and when I went through the buying process I was advised that in the last 4 years they never reported my on time payments to any of the credit agencies. I spoke with US Bank and they informed me in XXXX that they decided if there was a bankruptcy filed by the consumer they would no longer report to the credit agencies. I am fighting this because first my lease started before they made that change and also feel that it is unfair that my payments were always on time even while it was being reaffirmed and was discharged that I paid on this vehicle and never was shown when I did the loan to buy it out. I went through a tough time but I never did not pay it on time and full payments.
Product: Mortgage

I refinanced back in XXXX with Home Point Financial at which time a deed of trust ( XXXX XXXX Courts, Maryland ) in Book XXXX Page XXXX with HUD in the amount of {$91000.00} was paid with the proceeds of that loan. When Bank of America , N.A . did a modification in XXXX they did not property file documentation with HUD so when HUD released the lien, they released the initial partial claim lien and not the lien for {$91000.00} that was filed on XX/XX/XXXX ; which originated on XX/XX/XXXX, signed on XX/XX/XXXX. We need a release in order to file secondary financing.
Product: Vehicle loan or lease

On XX/XX/XXXX, BMW corresponded expressing they are in need of 60 days to provide resolution. 

The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them not 60 days. 

I would like to resolve this matter in a timely manner. Please see attachments below. 

1. Final Notice 2. Conditional Offer HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public.
Product: Credit reporting or other personal consumer reports

I have sent several letters, some certified requesting updates to my address, name, and other credit information. I have been trying ti get this informatiom corrected since XX/XX/year> when I moved from XXXX XXXX to XXXX XXXX. My XXXX ID and XXXX and attached for verification.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section XXXX states I have the right to privacy. 

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I inquired into forbearance back in XXXX of XXXX when pandemic started. I called the 53 bank and asked the details about the program. I was told that I can hold of on payments while I am on forbearance. The options going to be to pay off the forbearance amount when I go back to work, put the forbearance amount on the back of the mortgage ( meaning to spread the pay off ) and 3rd option was loan modification. I understood that loan modification would be to reduce the apr rate. In XXXX of XXXX I called the bank to find out if I do qualify for loan modification. I was told that they are not sure how it will work and they will call me. I waited till XXXX of XXXX and called again. After calling numerous times I decided that I need to end this cause I was not getting answers to as how loan modification would work. I called to speak to them to end my forbearance. Finally in XXXX of XXXX I made a full payment of {$9200.00} to end forbearance. After weeks of calling the bank I thought I was finally cleared of forbearance and payments were applied to my account.. I kept paying my mortgage payments on banks website always on first of the month. On XX/XX/XXXX of XXXX, I received a threatening letter from the bank that my loan is in default cause of non payment. They have added almost $ XXXX to my balance and stated that if I dont come up with the amount my house can go into foreclosure. I called the bank immediately to speak to someone. They were not sure why I was on deferral program to pay off balance which I was paying since. It has been almost a month that I have been calling the bank and does not seem anywhere close to resolving the issue. They did take that balance off but added a late payment fee of {$890.00} to my account. I have never been late and their explanation is that I was supposedly late back in XXXX. But those payments were not late cause when they acquired my loan from XXXX bank I did not get the notification and kept paying to XXXX bank. I was on the phone earlier today with loss mitigation department to resolve this matter and no one can answer as to why I was put on deferral program which I did not ask for. I was making payments every month, I hope that CFBP can shed some light into this matter and help me out. I am truly scared that Imit will cost a lot of $ $ to get out of this cause incompetency of the bank. There is no one to speak to that can explain. I hope to hear from you soon
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from XXXX XXXX XXXX accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.
Product: Student loan

XX/XX/2009, I went through a divorce my husband took everything. Looking to better myself I signed for some online courses. Came across the online school XXXX XXXX. I spoke with a representative, ask questioned like was the school accredited?. All my questions were answered falsely. They told me school was accredited. Signed up and I found out the next day, that the school was not accredited. I was not happy about that and I called to cancel my classes. I was told that my classes would be cancelled since I have been in classes for less than 7 days. They told me I could withdraw as long as XXXX % of the course work was not completed. If I recall correctly I only completed XXXX % of the work. I attended another local university and never logged on again. Now I am in a position to buy a home and this XXXX XXXX XXXX is on my credit report preventing me from doing so. I have called XXXX XXXX they told me they sold my account and have no information of my case. So I called the collection agency and they told me that they only have records of me attending for the one day noted above but they could not take it off my credit report and I need to pay them the XXXX. 

If I had in fact completed that course I would have no problems paying the money, But I did n't. Furthermore it 's really sad that organizations like this exists praying on the weak and less fortunate. Who in there right mind would spend time and money on a course that is not accredited and you will not be able to gain employment afterwards?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit card or prepaid card

There is an account from Bank of America reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to Bank of America. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Bank of America account on my credit report is reporting inaccurate and incomplete information.
Product: Credit card

I believe the account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.APPLE CARD/GS BANK USA XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - XXXX XXXX care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX
Product: Credit card or prepaid card

Re a charge for service by the XXXX XXXX XXXX ( XXXX, a travel soccer club, charge on XX/XX/2018, {$1800.00} XXXX, it appears my credit card company ( Capital One ) can not elevate the dispute to VISA because they either need documentation : 1. From XXXX that a credit refund is acceptable to them or that the XXXX contract for services identifies the type of refund that is applicable ; or 2. Another similar service provider ( another soccer club ) issues a letter of support that a refund is in order given the circumstances. 

The fact of the matter is that neither is remotely likely. We have so far and directly stated this to Capital One in a length recorded conversation this morning ( XX/XX/XXXX ). 

XXXX would not provide an affirmative statement to the applicability of a refund and has so stated twice. XXXX 's refund policy is limited to two very limited circumstances that do not apply here. 

Moreover, another soccer travel club would not take the time to be briefed on our circumstances nor write a letter in support. That would incur a cost to that club without any benefit. We also have no relations to any other soccer club. 

This places our dispute in an impossible situation. We have detailed to both XXXX and Capital One a request for a refund given that XXXX   has lacked providing services it has committed. Our two letters ( One to XXXX that actually address a request for a refund and rebuttal to XXXX 's denials ) and one to Capital One ( that can not move forward due to purported beaurocratic hurdles cited above with VISA ) has not and seems not to be able to moved forward. 

We are asking the CFPB to do its best to resolve this issue. We believe that the facts lean in our favor and that XXXX 's rebuttals are weak ( only providing generalities and incorrect ones ). We also believe Capital One could do more. An aspect of the complaint also notes that Capital One did not notice us re decisions until late in the process, i.e., everyone else including XXXX knew of decision well before we did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC report on XX/XX/XXXX because I am a victim of identity theft. I have yet to receive a response from you regarding the accounts on my report. According to section 605 B, they should have been removed within 4 days of receipt of this letter. I also have learned that I was subject to the data breach in XXXX which exposed me to even more danger. These adverse accounts have affected me enough and need to be removed immediately.