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

It has been drawn out into the open that the credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that they decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Charge Off : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Equifax and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from XXXX  on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from Equifax or XXXX  about my requests.
Product: Credit card or prepaid card

This complaint is towards Capital One. I am a XXXX  citizen and I have been a card holder of capital one for over ( 10+ years XXXX. I notice on my XX/XX/XXXX - XX/XX/XXXX bill there was a late charge XXXX {$25.00} and interest {$7.00} XXXX. I call Capital One to inquire about the charges when I in fact ( 1 ) received my bill on XX/XX/XXXX and payment had to be submitted by XX/XX/XXXX and my payment was mailed to them on XX/XX/XXXX XXXX personal check ). After a lengthy discussion with an agent about the effects of COVID-19 on the delivery of mail, I was informed by the agent that there was nothing that they could do about the interest but they could remove the late fee. I accepted the removal and asked if I could speak to a supervisor about the removal of the interest. After speaking with a supervisor she stated that there was nothing she could do to remove the interest. On my XXXX - XXXX XXXX XXXX ) invoice I notice that there was a late fee {$25.00} + interest {$3.00}. I once again called Capital One to inform them of when I received my invoice and when I had mailed it off, XX/XX/XXXX XXXX bank cashiers check ). This time the supervisor stated that he would not remove the late fee nor the interest. According to Capital One 's agreement the billing period is ( 31 ) days and the card holder is asked to mail their payment within at least a ( 7 ) day period. On each occasion I mailed my payment more that ( 7 ) days given the mailing issues. It appears that to Capital one that I can get my invoice at least ( 10 ) days after the end of the billing period, which leaves me less than 28 days to send in the payment and this should be an acceptable practice. I am penalized for the downfall in the USPS but there is no penalty for Capital One. I'm not a XXXX citizen who is just speaking for himself but I am speaking for those XXXX  who will not speak for themselves and for those who can not speak for themselves.
Product: Credit reporting or other personal consumer reports

Dear Global Lending ; Cfpb ; ; Dear Credit Bureau XXXX ; I am writing to formally dispute the late payment reporting on my XXXX XXXX XXXX account ( Account # : XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. However, upon review of my credit file, I have identified multiple discrepancies and reporting inconsistencies that require immediate correction.

Basis for My Dispute 1. Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) : My account is currently in good standing and " paid or paying as agreed '', yet previous late payments ( XXXX, XXXX, and XXXX days past due ) remain on my credit history. 
The account status and payment history contradict each other. If my account is reported as " current '' and " pays as agreed, '' the derogatory payment history must be removed. 
XXXX. Inconsistent Reporting Among Credit Bureaus : XXXX states the account is " paid or paying as agreed, '' yet XXXX and Equifax list past delinquencies. This inconsistency suggests inaccurate reporting in violation of FCRA 1681i ( a ), which requires reinvestigation of disputed information.

3. Failure to Properly Investigate ( FCRA 1681i ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite repeated attempts to correct this, Transunion continues to show incorrect information on my credit report for the XXXX account XXXX The Date Opened is incorrect ( not consistent with the other CRAs ). 

The Number of Months is incorrect ( inconsistent with the other CRAs. ) The Date Last Reported is incorrect ( inconsistent with the other CRAs. ) The Date Last Active is incorrect ( different from the other CRAs. ) The Date of Last Payment is incorrect ( inconsistent with the other CRAs. )
Product: Credit reporting or other personal consumer reports

Details of the account in question are as follows : Company : XXXX XXXX XXXX Date : XX/XX/2017 Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account removed off of my credit report that was paid off and closed! This company has since been closed/shut down all of their locations and is no longer in business! Since this account is closed and outdated while also being no longer collectible, while also not in business any more it should be deemed as not mines and removed immediately. All responses have been non compliant, I demand the deletion of this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : Bank of America Account ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

Bank of America Account ( Opened : XX/XX/XXXXXXXX XXXX XXXX  ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

XXXX XXXX XXXX  : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

XXXX XXXX Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect.

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.
Product: Credit card or prepaid card

I paid my bill using my routing and account number and it was accepted then the company said that they could not process my payment and I put in the correct information and then they proceeded to charge me fees fraudulently stating that my payment was late. My payment was not late and the funds were 100 % available in my checking account. 
I am currently on XXXX  and was XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I am in the process of applying for long term XXXX and I am recovering from a XXXX XXXX and XXXX  and XXXX. This fee is completely fraudulently as my account had the money in it to cover the payment made with the correct checking account number and routing number. This company is lying and trying to charge excessive fees without reason.
Product: Credit reporting or other personal consumer reports

I filed a FTC complaint due to unauthorized inquiries showing on my Equifax report.
Product: Credit reporting or other personal consumer reports

Again this is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.
Product: Money transfer, virtual currency, or money service

I went to bank of america at XXXX XXXX XXXX XXXX in XXXX SC to cash a check that was wrote out to a young lady that I was buying a truck and trailer from. The check was for XXXX and it was wrote out to her personally so I went to the bank with so I can pick up the equipment. The first day they said it was to late in the day and we had to come back tomorrow. The following day we went back to the bank and attempted to cash it again and the teller said no funds was available. I contacted the lien holder and they said no way there 's money in there. So the teller called her manager who name was XXXX she said oh the signatures do n't match what we have in the system. I called the lien holder again and XXXX the lien holder at XXXX XXXX said tell her to call me. I told her what she said and she called her manager which is over the bank. XXXX which is the branch manager said hold on, came back 20 minutes later and said, i 'm not calling nobody and I 'm not cashing the check end of story. We left and went to another Bank of america and the manager looked at the notes they put in the computer, laughed and told us to have a seat. He went to his office verified the check with the lien holder and cashed it. I feel I was discriminated against because the color of our skin. I contacted the manager over that county and she apologized to me saying the branch manager did n't know she can call the customer to verify the check. That 's a bunch of XXXX and she know it.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. XXXX XXXX XXXX  is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non-disclosure option. XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing closed/charged off on credit report but is still reporting that it is late every month therefore damaging my credit payment history. I reached out to the company and asked that they correct this and they stated they could not and also would not provide me something in writing stating when the account became charged off.
Product: Credit card or prepaid card

Citi says I made payments on my account and they claim falsely I called and okay 'd the amount when I did not and they are lying and saying I owe things and that I did charges. I did not at XXXX etc. They are saying things that are a lie and they were told what was legitimate or not and they refuse to listen. They fail to care and could are less they were told about things from stores I never purchased and the card was lost and it was reported multiples times and they failed to ignore it and keep lying.They also still are harassing me and saying things that they know are lies and trying to threaten me into making payments on things that are not mine. I am tired of this they are a scam bank who does not care about their customers. I really want justice done on them if this is not resolved properly.I called into the fraud that it was lost and they fail to care and that I authorized it. I never got calls to authorize charges etc. So that is also a lie they must have called the wrong number and lied. I am not stupid I know when it is a lie. This involves my XXXX card and XXXX XXXX XXXX mastercard. So much for zero liability about fraud protection.
Product: Credit card or prepaid card

I recently made a request to increase my credit limit of {$3500.00} to {$10000.00}. My current balance on the card is less then 30 % utilization and i have no late payments beyond 30days on my credit. During this process the representative asks for my monthly income and informs me that a decision would be made based upon this information and if any further information was needed or credit would need to be pulled i would have to give consent. I received a letter of decline of my request for the following reasons.

My credit card balance was to high Late payments. 

Both of these statements are not true and when i called to ask about this i was met with a VERY rude person name XXXX in credit department who wouldn't even let me complete a sentence about my situation, constantly cutting me off with every question i tried to ask. She proceeds to tell me the decision was based upon information given from XXXX  and that i have multiple late payments, despite no records of this on any of my credit reporting information. Not to mention i did not give ANY consent to a credit check and was not contacted before hand.
Product: Mortgage

I have been through many hardships due to the pandemic. Since the pandemic started I have lost four family members over the course of the last two and a half years. Also, I was in a very bad XXXX XXXX  which caused me XXXX XXXX After replacing the car as it was not salvageable the next car caught on fire. This caused many unexpected expenses between helping with funerals, traveling and payment auto insurance deductibles. My grandchildren gave my wife XXXX and it was a very bad case and I was the primary caregiver. During this time I tried to keep in touch with my lender to try to save my home. I was told very different stories from each representative at each servicer I was transferred to. At the beginning of the pandemic my loan was with XXXXXXXX XXXX, it was then transferred to XXXX, I was then transferred to Community Loan Servicing, I was then transferred to Nation - XXXX XXXXXXXX, I was then transferred to Mr. Cooper and then to Rightpath. None of the servicers sent my information to the new one, XXXX XXXX XXXX sent me a modification that was not honored once the loan transferred. Also, I paid XXXX XXXX XXXX {$7000.00} and then I was told my loan had already transferred and the money is lost. Also, when my loan was with XXXX I received a call from XXXXXXXX XXXX  on my caller ID and sent {$2000.00}, XXXX then told me they did not receive it. Rightpath has now denied me a modification. I have an FHA loan and I believe Rightpath is obstructing me from accessing available assistance.
Product: Credit reporting

After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Jefferson Capital Syst collection Account, has violated my rights. 

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
Product: Debt collection

Dates and times of phone calls from Comenity Bank to my personal cell phone - a total of 56 phone calls in 14 days. These calls are listed as being originated from the following locations and numbers : Comenity Bank XXXX XXXX  XXXX, KS Comenity Bank XXXX XXXX, OH Comenity Bank XXXX XXXX, OH XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX These calls are logged in my cell phone call history and with my carrier.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute XXXX collection accounts that appear on my credit report. I believe these accounts contain inaccurate information and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

According to Section XXXX ( a ) ( XXXX ) of the FCRA, XXXX debt collector is prohibited from misrepresenting the identity of the creditor, specifically stating that they are the original creditor. In reviewing my credit report, I found that the collection agencies for the following accounts have inaccurately stated that they are the original creditors : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX These misrepresentations not only violate the FCRA but also harm my credit standing and my ability to secure future credit. Therefore, I request the immediate removal of these accounts from my credit report due to this illegal activity. 

I have attached the relevant documentation regarding these collection accounts for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my dispute. 


Attachments : XXXX Documentation
Product: Checking or savings account

My account was hacked and money was taken out causing my account to overdraft
Product: Credit card or prepaid card

I called the general customer service number printed on the back of my XXXX Citibank Visa card on XX/XX/2018 around XXXX. After the usual lengthy phone tree and entering all my account information into the automated system, I finally reached a representative who I asked about benefits associated with the use of the card. I was surprised that she didn't know and asked if she can connect to a benefit specialist. I agreed ( what else? ). Sure enough I was transferred to another phone tree and again I had to enter all my account info. I was then promised to be connected to a benefit representative. After half a minute of silence on the phone, the call was ended. At no point in time was there an announcement that the office was closed ; I was strung along in a phone tree that dead-ended. This makes me question if Citibank has any sense of the word " customer service ''.