23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am refilling the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I requested the company to fix the issue with what was being reported to all three credit bureau 's as promised via their terms and conditions : 12 months of instant credit history reported. 
12 months of past bills added to your account. 
Up to $ XXXX month reported as credit. XXXX XXXX The minimum reported is {$5000.00} and you can increase it by matching utilities. Positive history will always be reported. 
We will report to all 3 major credit bureaus : XXXX, XXXX, and TransUnion, at the end of each calendar month. 

I requested by email to be updated on why I was not seeing the XXXX credit limit reporting with all three bureau 's. XXXX XXXX is reporting a XXXX amount to my account through the three credit bureau 's. XXXX responded in an email asking which bureau was not reporting and I advised that all three bureau 's need to be investigated to confirm what is being reported for me through XXXX. They sent me an email that was very unclear and just highlighted my email description and my case was being updated. 

I emailed them again because I had not heard back from the support team with the results of my requested investigation. I advised that I will move forward with cancelling my account and take my business somewhere else. No one responded I decided to reach out to my bank to file a dispute to stop payment with XXXX and to refund my money for services not rendered. And as per the advise of my bank I moved forward to cancel my account with XXXX XXXX on XX/XX/2024, request that they cancel my account. And based off of the terms and conditions they allow a monthly member to cancel for any reason. However, XXXX XXXX has not cancelled my account and it seems like they're not going to XXXX Please help me stop this company from taking my money! Thank you in advance! 

XXXX XXXX Terms and Conditions for cancelations : For a Monthly Program membership at any time for any reason with 5 business days notice to us, with notice effective on the business day following the day that you notify us of cancellation, in which event your membership and access to Monthly Program Enrollment and benefits will terminate effective 5 business days after the effective date of your notice of cancellation to us.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, Please remove the inaccurate accounts being reported on my credit file.which is worrying to me.
Product: Mortgage

HFC ( household Finance Corporation ) fraudulently altered loan amounts and property description from originally agreed on terms. They foreclosed and proceeded to evict without repairing the fraudulent numbers. I committed the contract to rescission in 2007, when HFC refused to address any of the issues. Since then, they have continued to force us to abandon the property ( illegally, because there are XXXX other property owners on the fraudulently sought after acreage ) by threats, foreclosure, false trustee sales, and writs for eviction.
Product: Mortgage

This is related to XXXX. I have not received a response from BSI or the CFPB. This problem began over a year ago, when BSI failed to pay my property taxes, and have made many, many errors since, resulting in BSI retaining more of my money than it should and keeping erroneous records.The last statement I received, the portal and this enclosure all state that my outstanding principal is {$350000.00}, but from your own accounting, the total principal paid since loan origination is {$21000.00} : PER Statements BSI Amount Principal to XX/XX/XXXX XXXX XX/XX/XXXX principal paid XXXX Principal to XX/XX/XXXX XXXX As the original amount borrowed was {$380000.00}, the current principal should be {$360000.00}. [ {$380000.00} - {$21000.00} ]. This means, you have inappropriately reduced my principal by {$3500.00}. 

In addition, the check that I sent you dated XX/XX/XXXX, # XXXX was in the amount of {$1700.00}, but your " XXXX XXXX XXXX XXXX '' seems to reflect that BSI accounted for {$1700.00}. BSI shorted me {$0.00}. 

Further, the " XXXX XXXX XXXX XXXX '' suggests that late charges are still on this account, to which I object. 

Please have someone get in contact with me as soon as possible and explain these discrepancies or send me a check for {$3500.00}.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed. Also the nest as well. Thanks XXXX XXXX  XXXX transUnion XXXX XXXX  - XX/XX/XXXX experian XXXX - XX/XX/XXXX experian XXXX - XX/XX/XXXX transunion XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  XXXX experian XXXX XXXX XX/XX/XXXX - experian XXXX  XXXX  XXXX  XX/XX/XXXX Transunion XXXX XXXX  XX/XX/XXXX Transunion XXXX - XXXX Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX  - XX/XX/XXXX Experian XXXX XXXX Experian XXXX XXXX  - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Transunion XXXX XXXX - XX/XX/XXXX Transunion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX  - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian
Product: Debt collection

I wrote a letter and sent it certified ( XXXX ) asking for a breakdown of charges on the account and the letter came back to me ( return to sender ) from USPS. I would like a breakdown of the charges on the account.
Product: Debt collection

As a result of ACS ( student loan company ) not taking care of not removing an erroneous late payment my credit score went down. Even though my payment was made XXXX weeks before the due date and after speaking with a representative from ACS, they failed to make the necessary adjustment to my account but instead reported to the credit reporting that my payment was past due. In addition, when calling ACS you are put on hold for XXXX minutes to almost an hour before a representative comes on the phone.
Product: Money transfer, virtual currency, or money service

I used the credit platform affirm to purchase a bed I then Paid off the full debt however The bed did not work out and I returned it they gave me a full refund. I returned back to the firm however They said they attempted to place the money back in my account and I never had any transaction doing an attempt They also never contacted me to let me know that there was a refund and so there was no additional attempt when they could not put it in my checking when I realized it close to a month later they were making no attempts to send me the funds I had to speak to several managers and have been disputing with the company to get the money back for two months and they still have not returned my funds they send me emails telling me that it will arrive however its been two months and still no refund on the funds They are a scam and they do not refund money if the stores that you purchase from refund the money to you
Product: Credit reporting or other personal consumer reports

I was recently scammed through Zelle when a fraudulent individual posing as a seller on a marketplace platform tricked me into sending them money for an item that never existed. Despite contacting the seller 's supposed phone number and email address, they disappeared, and when I reached out to my bank regarding the unauthorized transaction, they informed me that since the payment was made through Zelle, there was little chance of recovering the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, XXXX, Experian ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint with equifax credit bureau through a certified letter and they signed for on  XXXX   XXXX ,2017. They never disputed my complaint on my  XXXX  credit report but on my  XXXX   2017  credit report they put it back on my credit report. This is dishonest and unlawful they are breaking the law.
Product: Credit reporting or other personal consumer reports

Someone made fraudulent charges on my Priceline visa and i called in to let them know of those charges. They have proof that whoever did it used a different email from mind and they still haven't cleared my account. They are reporting the card late and destroying my credit!!
Product: Credit reporting or other personal consumer reports

Due to the negligence of Equifax, a data breach occurred and billions were recovered to this organization. In the interim, my life was affected financially.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The names on my credit report personal information are different people different spellings I have never applied for a card under these aliases or a loan under these aliases and addresses
Product: Credit card

What happened is an ongoing problem of late fees and waiver of fees consistent since XXXX hospital stays on my behalf. My payments are recurring transfers from my XXXX Account to Wells Fargo from around the XXXX to the XXXX of each month. I go online and pay {$83.00} to the Wells Fargo credit card account. Each month I have paired they add a late fee between {$40.00} to {$43.00}. When I called they told me it was waived and courtesy of XXXX XXXX. Therefore, I pay the amount of {$80.00} to {$84.00} or less. Today, XX/XX/XXXX I called and asked them why my minimum due is {$120.00} or XXXX when XXXX ( a Wells Fargo Representative ) just told me on XX/XX/XXXX that my payment was {$83.00} in XXXX and subsequently. Plus my payment date will be the XXXX of each month rather than the XXXX of each month. 
The two representatives from Wells Fargo today told me something I have never been communicated with before. One said, the payment was wrong because the new {$43.00} was added on ; they are telling me it was deducted from my credit balance not my minimum payment balance. Prior to this all payments were credited with the {$43.00} waiver fee, noted under code # : XXXX do not understand plus I have credit available on the card and every month they taking off then putting back on. Now they are saying if I pay the {$120.00} for XX/XX/XXXX by XXXX of XXXX my payment will decrease again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}
Product: Credit reporting

Experian and XXXX have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of Experian, XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted Experian and XXXX come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX '' immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX years prior and let the account go negative resulting in it going to collections. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
Product: Credit card or prepaid card

I dont have any knowledge of this account and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX.
Product: Debt collection

Nationwide Credit , Inc. continues to call my place of employment where I am not able to receive calls.
Product: Money transfer, virtual currency, or money service

I set up a mortgage payment to be made on XX/XX/21 through my personal banking bill pay. Suntrust did not deliver the funds in a timely manor as promised thus causing me to incur a late fee and negative credit reporting.
Product: Debt collection

XXXX Report Number with Radius Global Solutions XXXX This company has improperly used my report. According to the FCRA my rights have been violated : 15USC 1681Sec 602 guarantees my right to privacy 15USC 1681 Sec 604-A states a Creditor can NOT report information without my written consent 15USC 1692-B The Acquisition of Location Information. 

Please remove from my XXXX report within 30 days.
Product: Checking or savings account

I received 2 checks from my employer through the mail and i deposited them in to my account and she told me to send 70 % of the checks to 2 other employers on XXXX  and XXXX. i did that not knowing she was scamming me. She took {$3600.00} from my account and my bank is expecting me to pay back. i filed a police report and everything, i even talked to the bank but they are refusing to help me out.
Product: Credit reporting or other personal consumer reports

The credit bureaus claim that the Account Name and Account Number were properly investigated, but how can that be possible when key information like the open date, date last active, and date last reported are blatantly inaccurate? This is grounds for immediate removal.

Not only that, but they have also violated my rights under 15 U.S.C. 1681 Section 604 A, Section 2. The law explicitly states that a consumer reporting agency can not furnish an account without my written authorization.

I have never provided written permission for these accounts to be reported on my credit. This is completely unacceptable, and I demand that this be corrected immediately. You are in clear violation of the law, and I will take further action if this is not resolved promptly!
Product: Mortgage

Made mortgage payment on XX/XX/2020 at Bank of America using coupon and having mortgage account number on the back of the check at the XXXX Branch of Bank of America. Bank of America applied the payment to a credit card with XXXX balance. I noticed this issue on when the credit card statement came to me showing a credit in the amount of the mortgage payment. I attempted to contact them on said date, but they were unavailable as it was the weekend, so I contacted them on Monday XX/XX/XXXX. They indicated that they would research it and it would be a simple fix and would call me if they needed more info. On XX/XX/XXXX, I received from XXXX XXXX at Bank of America calling me that I had not made my payment. While on the phone she said we'd have to contact the credit department in order to reverse it. We conferenced in XXXX in the credit department of Bank of America, and he said it would take 10 days to process. This has still has yet to be resolved and in the mean time, I am harassed by the collection department at Bank of America, I explain the situation to them, and they put me on hold and disconnect me. Then I called the credit card department of Bank of America on XX/XX/2020 and they indicated that they would escalate it and as of today nothing has changed. This issue was caused entirely by the gross negligence of the Teller at the XXXX, NH Branch of Bank of America. At this point the payment is showing 30 days past due will effect my credit if they don't fix this and back date it to XX/XX/2020, the day the payment was made.