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

In accordance with the Fair Credit Reporting Act Experian, XXXX and XXXX has Violated my rights by Having Late payments on my Credit report and a charge off account. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1681a- Definitions ; rules of constructions- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 purpose.

15 USC Section 1681- congressional findings and statement of purpose ( A ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

15 U.S. Code 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not providing my credit file and score to the companies that I have requested credit from. 

XX/XX/XXXX XXXX XXXX credit application. XXXX XXXX has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. 

XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per Equifax. I currently have over 91 approved credit cards in which 31 are active. I have a long history of accounts and excellent credit. The information they are providing to creditors are inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to Equifax unable to provide my credit score and credit report. 

XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from Equifax. 

I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report.

1. XXXX XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Product: Credit card or prepaid card

On XX/XX/XXXX I learned that my unemployment EDD card was used to make unauthorized purchases at a number of locations between the dates of XX/XX/XXXX and XX/XX/XXXX. I called XXXX and they were able to take down my claim and cancel the card and issue a new one. Fast forward to XX/XX/XXXX and I received a letter from boa stating the dispute was now closed with little to no explanation as to why. I have physical evidence that I can use to show I was not in the area the card transactions occurred on the specific dates and times. as well as XXXX location data that also shows I was in another state at the time those purchases were made. Since bank of America very hastily jumped to the conclusion the claim was false and should be closed with no investigation I would like them to prove to me on what basis they are making that assumption. because I have actual evidence, they only say in their letter they " believe '' the claim was false and deemed not worth looking into. Also I would like to know why if it was a " false '' claim as to why now I can not access my unemployment benefits that I was depending on having use of due to my inability to access the government benefits. Bank of America has clearly violated Regulation E specifically Section 205.11 ( Regulation E : Electronic Fund Transfers 12 CFR 205 ). and I feel bank of America should incur a fine of some sort to make up for their complete disregard of the laws and duties of their customers. I hope bank of America is held responsible for the numerous instances of wrongful practices that im sure many others are dealing with during the cover 19 pandemic. Thank you and I look forward to your response.
Product: Checking or savings account

On XX/XX/19 I withdrew {$100.00} from the XXXX XXXX ATM located in the Fountain Lobby of my workplace, XXXX XXXX XXXX XXXX, XXXX XXXX IA. At the time of withdrawal the machine did not disclose that I would be charged a fee on screen or anything on the machine. Later when I checked my account online it stated no fee ATM withdrawal. 

A few days latter I was hit with a {$2.00} charge. XXXX with tax. I questioned my bank, US Bank and asked them why when it didn't state the fee on the screen or ATM at the time of withdrawal did it charge me. They claimed it was told to me in two .pdf forms which I had never seen, much less knew existed.
Product: Credit reporting

This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed my XXXX  XXXX credit card account about six times since XX/XX/2019 XXXX  XXXX says its closed when I call but Equifax says they just reported XXXX dollar monthly charge wich is ruinning my credit!!! I dont owe this company a single dime and never ever have I close this account monthly and they are forcing me and destroying my credit wich used to be XXXX before all this started I am so XXXX XXXX  my next step will be to abtain an attorney and sue for the extreme distress this has caused my husband and I. I have several credit cards with XXXX balance because of this disaster I no longer want to use them this will be resolved one way or the other because its against the law to force someone to pay and be belitted against their will credit one and equifax are so stupid its pathetic that between the two of them get it through their head this account no longer exist!!!! XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After numerous phone calls and letters to the Equifax credit reporting agency I have been given the run and around with no help or solution to my issue. I used a third party agency to view my credit report and noticed that there were a list of hard inquiries listed on my credit file. I 've repeatedly asked Equifax to have these inquiries removed as they were not authorized nor do I posses a current open account with either of these agencies. Equifax refuses to remove these inquiries although they are not tied to any open account on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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: Credit card or prepaid card

I was contacted by American Express 's high alert security department about an application in my name for Blue Cash Preferred from American Express. When I followed up with them and told them I never submitted said application, I was informed that someone must have my Social Security number because they used it for this application. 
I'm following up as much as possible, so I don't become a victim of identity theft. Please take every measure on your end to help me and please let me know what else I can do to protect myself from identity theft in this case and in general. Thank you!
Product: Credit reporting or other personal consumer reports

These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy. 
- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802. 
- These corporations does not have my consent to report my information.
Product: Debt collection

On XX/XX/2019 I contacted Avante USA Collections about two identical accounts on my credit report after trying to clear up what I was looking at in black and white I was being told that it wasn't so and that I had two accounts in collection with them from the same place by two different people for the same amount. I told them they can't report the same account to my credit twice and that they needed to fix it and they said the can. I emailed XXXX showing her the evidence and still nothing other than telling me that they can do report what looks like the same debt to my credit twice, then go on to tell me I won't be able to get the information from the collector as fast as she can even though the debt has my information on it, then she was telling me where I was and that I was at the place in questions we were going back and forth and I told XXXX I would handle it. So i'm doing just that I have rights and I want this off of my credit, they said when I called that all calls where being recorded and it was an attempt to collect a debt. I never said that the debt was mine. 
the amount is XXXX  *XXXX= XXXX of bad debt on my credit
Product: Mortgage

I signed a contract with XXXX XXXX to purchase a new home in On XXXX XXXX, 2015, with the understanding that I would receive $ XXXX in closing if I " only '' use their mortgage company NVR Mortgage Financing. I was fully approved for the loan and my closing date has been set for XXXX XXXX, 2015. However, over the last few weeks, there is a back-and-forth conversation with NVR Mortgage Finance in regard to deferring my student loan. I told them in the beginning of this process and repeatedly thereafter that XXXX, my student loan servicer, will only defer my loan twelve ( 12 ) months at a time, but they want to extend it to 13 months. I was told by another lender that the reason for this is deceptive practices and that NVR Mortgage Financing plans to sell the mortgage loan as soon as possible. Three years ago, I experienced the same issue with NVR Mortgage Financing, whereas, after I applied for a twelve ( 12 ) month deferment, they wanted to me to push for 1 more month. Because I was unable to do so, they did not honor their agreement and I was not able to purchase the home. This time I want a resolution to this deceptive practice. You are held hostage by NVR Mortgage Financing with no other options until they decide that you are not worthy of their funds. They have accessed my credit report numerous times ( only XXXX of which I approved ) through XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, since I applied for the mortgage only to lower my score so that I would not be able to apply with another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XXXXXX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error XXXX ). This was 24 days after the XXXX XXXX was filed. XXXX  claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error XXXX ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error XXXX ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error XXXX ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. XXXX Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.
Product: Credit card or prepaid card

Greetings XXXX is XX/XX/2019. 
I just attempted to have Chase Manhattan Bank address and resolve this issue and i am givin the runaround. This is about the 4th time Chase has done this. 
Inaddition, Chase was notified not to allow anyone to access my account and they did exactly the opposite. Not only did they allow someone to access the account. They also allowed someone to over draw a account that only had a {$1000.00} line of credit. So now the account is over drawn. So now that they have made this error due to incompetence, and disorganization. They refuse to remove this charge. 
In my best interest the account is being paid the minimum monthly because closing the account only benefits then to beable to charge this account off and sell it to a collection agency. Which is another headache. I appreciate your assistance. Please don't hesitate to contact me for further details. I have all of my notes, dates and representatives i spoke to. 
Thanks
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Revenue Group keeps calling me on a bill that I am making payment to. 
*Revenue Group stated that I am not in hardship and the payment I am making is not enough. They also stated that I need to make half the payment that day XXXX/XXXX/XX/XX/2015 That amount was {$600.00}. I explain that I am making payment and do n't understand why the calls. 
*Revenue Group stated that I have the money and should pull from my other means. 
*They also stated because I have a house, husband, cars and a job that I should make bigger payments and not act like I 'm in hardship. I am NOT sorry for doing the right things in life.
Product: Checking or savings account

Sofi Bank allowed someone else to move money from my savings to my checking account, then allowed a fraudulent debit from my checking account, both in the amount of {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX Indiana Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and XXXX marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and XXXX factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX XXXX in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX IDs Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX XXXX scams using XXXX IDs and business permits frauding using XXXX birth certificate
Product: Debt collection

I have received several notices on a debt collection in my wife 's name. The name is incorrect and we have no record of the service for which this debt claims. I have written several times to the collector and they refused to disclose any information on the debt to me. I have written and telephoned the company multiple times with no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like have the following unauthorized inquiries removed : 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
Product: Mortgage

Major issue with Wells Fargo and their payment posting. 8 years into home ownership, starting with Wachovia, now it 's Wells Fargo. Due to circumstances, the lender placed insurance on the home - which was fine, that was just the way it had to be at the time. Per the bank, the only necessary/mandatory payment was the actual mortgage payment ( principal & interest ) - the insurance could be caught up at any time. So some months the insurance was made, but some months only the mortgage payment - BUT NEVER LATE, not once! Through the process, ultimately there was help from the Principal Reduction/Florida Hardest Hit Program - {$16000.00} to be posted directly to the principal balance ( figures provided by Wells Fargo ). After all the signing and everything was said and done - the numbers seemed wrong. Upon further inspection, it became evident that not only had the insurance payments not been posted to the insurance premiums, but the total awarded from the Hardest Hit Fund was NOT APPLIED to the principal balance - only about half was posted there. And through multiple calls and emails to Wells Fargo, their responses have been totally off point -- - they claim they ca n't re-post incorrect payments and they would have to retroactively add money to the principal amount with interest ( even though it was XXXX their mistake ) if they could re-post ; also claim that even though the paperwork plainly states the funds received were to go toward PRINCIPAL ONLY, they needed to pay off the insurance balance. Ultimately, the process of getting the principal to a manageable amount has been completely ruined by Wells Fargo and they are not willing to cooperate in any fashion. Is there any hope of getting anything done about this?