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

This is a follow up CFPB Complaint to the previous Complaints I submitted requesting that the Credit Bureaus correct the information being reported on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am confident that the information being reported by Credit Bureau are inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Product: Debt collection

Disputed XXXX XXXX for {$590.00} with the company multiples times, sent out 611 & 609 letters on my behalf with no response so I sent my last and final validation letter on XX/XX/18 also spoke with them 2 weeks ago at which each time I asked them to validate the debt with a written contract. Company received my disputes on It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX nor did the company as each time they called me I asked them to send the contract with my signature.
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report that I have no knowledge of. I believe that I was the victim of fraud. 

I have no knowledge of the following inquires. 

XXXX Indigo XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit reports provided by XXXX, XXXX, and TransUnion. It has come to my attention that a collection account associated with my personal credit history is being reported mistakenly. I kindly request the Consumer Financial Protection Bureau 's intervention in rectifying this issue by ensuring the immediate removal of the said collection account from all three credit reporting agencies. 

Account Details : Creditor : XXXX - XXXX Service Date Opened : XX/XX/2020 Balance : {$0.00} Account Number : XXXX To provide some context, the account in question is a business credit card that is directly associated with a common business of which I am one of the owners. This account, however, should not be reported on my personal credit history as it is solely related to our business operations. According to the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is crucial that credit reporting agencies accurately reflect an individual 's creditworthiness and financial history. 

Under the FCRA, consumers have the right to dispute inaccurate or erroneous information contained in their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must promptly investigate and modify or delete any information found to be inaccurate, incomplete, or unverifiable. In light of this provision, I kindly request your assistance in ensuring the correction of this misreported collection account, as it is unjustly affecting my personal credit history and potentially impeding my ability to secure future credit or loans. 

I have already taken the necessary steps to dispute this error directly with XXXX, XXXX, and TransUnion. However, despite my efforts, the collection account remains on my credit reports. This situation has prompted me to seek the intervention of the Consumer Financial Protection Bureau to help resolve this matter promptly and ensure that my personal credit history accurately represents my creditworthiness and financial standing. 

I trust in the expertise and dedication of the Consumer Financial Protection Bureau to uphold consumer rights and ensure fair and accurate credit reporting. Your intervention and assistance in this matter would be greatly appreciated, as it will enable me to rectify this unjust reporting error and preserve the integrity of my personal credit history. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the removal of the mistakenly reported collection account from XXXX, XXXX, and TransUnion credit reports. Please do not hesitate to contact me if you require any additional information or documentation to expedite the investigation process. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I made an uninformed decision on XX/XX/2015 when I entered into the consumer credit transaction with MAS Financial Service. 

I have been reviewing laws and my rights and I have read that according to 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is null and void.

According to 15 USC 1602 ( k ), I did not receive a printed notice which clearly and conspicuously made it available to understand the meaning of the agreement.

Due to all these clear violations, I am demanding that these accounts are removed, and I am requesting monetary relief for each violation. If no resolution will come from this and I receive an automated response from either company, I will have no choice but to contact my local small claims court. 

Account in question : M A S FINANCIAL SERVIC - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$0.00} EQUIFAX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/2022, I logged into the Truist banking app for the first time to make my first auto loan payment. The first payment had a due date of XX/XX/2022. When I looked up my loan on the app to make the payment, I noticed that the due amount by XX/XX/2022 was double the monthly payment. I then pulled up the statement to confirm that only one payment was due and the statement did confirm that one payment was due. Confused as to why the information provided stated that a sum of two payments was due by XX/XX/2022, I reached out to a bank representative via the chat function. They advised that only one payment was due by XX/XX/2022. I asserted that the figure that was displayed as due by XX/XX/2022 was the sum of two monthly payments and that was incorrect. I was advised that once I made the XXXX payment, the payment amount would updated to display the upcoming payment for XX/XX/2022. Again I asserted that the sum due by XX/XX/2022 was inaccurate and can be misleading. I asked to file a complaint and requested a follow-up to my complaint. I was advised that I would hear back within 3 days. I have yet to get contacted by Truist regarding my complaint which makes me wonder if the complaint was filed. As a 20+ year XXXX XXXX, I was smart enough to not make the XXXX payment with the XXXX payment. Some consumers may trust the information displayed is accurate and the additional payment may be applied with the XXXX payment as additional principal. My complaint is that the sum due displayed was inaccurate and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency Midland Funding has purchased my original debt from ( XXXX XXXX XXXX, Delinquent Date XX/XX/XXXX for {$2600.00} ) and illegally re-aged this debt showing in my credit file to be a more recent debt as followed ( Midland Funding XX/XX/XXXX for {$2600.00} ) By this collection aging changing the debt Date in my credit file it looks like I 've just opened an account. I 've been working on my credit for almost 2 years maybe longer and I have n't applied for anything that required me to have my credit pulled.
Product: Vehicle loan or lease

I had been attempting to pay online after the account was about 60 days past due during the month of XXXX. However, due to Covid the company , XXXX XXXX, also known as Bridge Crest had certain departments closed and had forwarded my account in advance to their special debt department. I called several times to inquire on how to pay since my account t had been closed and blocked from online payments, only to be told that I would have to speak to another department. During these calls I attempted to make a payment and the collections department refused to take a payment without speaking to an agent in the specialty department. On one call the agent stated that she was new and didnt know how to inform me to pay. After an hour on the call she stated that I would need to negotiate my payments but would need to call back in order to do so. In the first week of XX/XX/2021, I called in again after noticing that the account was showing additionally delinquent in which it should not have. I once again had to argue and go back and forth and after an extended period on the call they finally allowed me to make a payment. Two weeks later I received a credit monitoring notice that the vehicle was a charge off as bad debt. On the call with the agent this was never explained to me. Additionally the debt was behind, but now where near 100 days. I asked specific questions on the phone and I was fraudulently lied to. I feel that the company acted in fraud and in doing so broke the law. Additionally I feel that the individuals and the company failed to meet their legal obligation and instead discriminated against me due to their hatred for me as an individual that use to be employed there. Furthermore, when I worked at BridgeCrest the CFPB regulations were violated without question and I am 100 percent certain that this is another circumstance of the same.
Product: Debt collection

Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, tel XXXX, ccspayment.com sends me bills for {$29.00} which they claim I owe to XXXX but XXXX do NOT because my health insurance pays 100 % of all lab bills for me ; I request that the Credit Collection Services NEVER contacts me again ever in any manner at all ; thank you for your assistance in this matter.
Product: Mortgage

My family has been financially effected by covid 19. Bank of America offered a forebearance, in the form of a pause, that we opted into, with the understanding the outstanding payments would to the end of the loan. 
The bank has called every 3 months to renew the forebearance. On XX/XX/XXXX, the rep called to check in and to continue the forebearance. I asked again about the skipped payments and the rep, once again, told me it would be going to the end of the loan. 
XX/XX/XXXX, I spoke to a rep and was told the forebearance would expire at the end of XXXX. Then I was asked how I want to repay the deferred payments? I told the rep what I had been told, several times, and they said that was wrong. 
Bank of America reps give the customer information without documenting the conversation. I thought what the rep said was correct. I'd ask for someone to go back and listen to the recorded phone conversations I had with the reps. If I was given wrong information, I should not be penalized. 
I am trying to figure out how I am going to make my regular payments moving forward, and now they are asking me to pay the {$19000.00} + over a 6 month period. 
This is not right. My family is struggling and I made a decision based on what a representative from Bank of America told me.
Product: Credit reporting

Hi, I was recently on credit karma reviewing my information and I noticed XXXX hard inquiries, as well as a credit card opened apparently in my name with {$950.00} tacked onto it. Until today, I have never heard of the bank nor opened any new accounts, seeing as I am deployed XXXX at the moment. 
Please help me resolve this. 
Thank you
Product: Credit card

I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.
Product: Bank account or service

JP Morgan Chase through XXXX took {$2700.00} from my personal Account for a payment for a business I am not familiar with or have any knowledge of. The funds were not authorized to be taken and I disputed the funds and Chase refused to return the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts are reporting on my credit file : XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX  XXXX   XXXX/XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I nsent this : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Now I want you to remove these items : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I logged into my Coinbase account. This required using XXXX and due to issues with their XXXX service required me to upload copies of my drivers license and upload a live video. This completed and I was able to log in. I attempted to transfer XXXX to another exchange and the transfer failed. At this point Coinbase indicated that I can not transfer XXXX for 60 days for " security reasons. '' No details were provided, nor was I contacted about any security concerns prior to XX/XX/XXXX. LIkewise, the notification of the account lock includes no details on why there are security concerns or how I can resolve them. The notice claims that they detected that I was trying to send crypto to a fraudulent address, yet the address I was using was that of other crypto broker, one of their competitors. There are XXXX  of similar reports of other Coinbase account holders online. Coinbase appears to be preventing people from transferring XXXX out of their accounts to prevent people from taking their deposits elsewhere. Never have I seen anything like this with any other investment or exchange.
Product: Credit reporting, credit repair services, 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 Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or 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: Debt collection

I disputed a collection account that is on my credit report. This agency has no authority to collect on this account as they have not proven that ownership of the original account was transferred to them. I have never agreed to nor are there any legal documents that state I am liable to pay Cascade collections. I never entered into an agreement to pay Cascade collections and they have failed to prove that. Therefore I do not owe a debt to Cascade collections. The credit bureau did not review the authenticity of the attestation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I took a payoll advance with this company, they arranged the payment date as part of the agreement. They deducted a payment from my checking account on the wrong date ( outside the agreement ) which caused me to incur overdraft/returned item fees. I contacted the company and they asked that I send proof of my bank statement showing the debit they made, and the overdraft and NSF fees. I faxed a copy of my statement as agreed. They reviewed my info admitted the withdrawl was made from my account on the wrong date due to an error on their part but they were not willing to cover my overdraft/return item fees. They specifically said it was going to be a " wash '' which I understood as satisfying the payment. I was charged fees from my crediters for bouncing checks in additional to my bank fees. 

This loan originated over 7 years ago from a bank account that I had to close per my bank 's request to ensure they would n't attempt to debit my account in the future. 2 days ago I was notified about my credit report for a collection that was added to my credit report. I called the company but all they can tell me is that they took over the collection and I must pay them half. I tried to explain my bank will not issue a proof/statement after 7 years. They destroy all checks and statements. But they still insisited in proving my case or they would not remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  SERVICES Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX BANK NA Account Number : XXXX Account Name XXXX XXXX AUTO XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning last year, I noticed a collection account listed on my Equifax credit report. This account has NO creditor information listed or any creditor contact information. I have requested that Equifax investigate this account and supply me with the creditors information. My most recent request was on XX/XX/XXXX, as of today XX/XX/XXXX I have not heard back from them regarding this matter. The account is still being reported on my credit report negatively and I have no way to dispute or even contact the creditor and Equifax has done nothing to help me.
Product: Debt collection

I sent letters to both company demanding to verify debt by providing a signed contract. The letters were written in XXXX I did not receive any information on a debt I agree to owed. Please remove from my credit report because I did not consent.