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

I am writing to express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. 

I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. 


These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation.

The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for.

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXXredit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Product: Checking or savings account

I opened CheckingXXXX and SavingsXXXX with a promotion for a {$400.00} bonus for maintaining a balance of {$15000.00} for 60days. I confirmed with the agent I was enrolled and complied with the rules of the promotion. I completed the terms of the promotion, the {$400.00} credit was to be applied within 90 days which was XX/XX/XXXX. The bonus was not posted.
Product: Debt collection

In XXXX, I was overseas, and was not allowed access to m account since I had missed a payment. I HAD to make a payment. In XXXX and some of XXXX, after my motorcycle accident, I was only able to live off my XXXX PENSION FROM THE GOVERNMENT, ( which Navy Federal Credit Union is taking still, even though it is exempt, this shows up as XXXX XXXX on my deposits ) they still were restricting access unless I made a payment. While recovering from the accident, XXXX of my XXXX check were going to XXXX XXXX, and I was left to use roughly {$100.00} I had left to work with for the month. In other words, they made me pay them with the XXXX check I was getting just so I could have access to my account. https : XXXX I then learned it was always illegal for Navy Federal credit union to restrict access. I have since had phone calls with Navy Federal concerning getting compensated, as I feel I am owed. For some reason, they can never seem to know or remember what I am referring to. They said they would look into my issue over a year ago on the phone, and I have never heard anything back.
Product: Checking or savings account

It appears I have an account with Chime Financial. I received multiple emails claiming that my account email, password and phone number have been changed. It seems my account is compromised. I called them gave them my SSN, DOB and details and they told me I don't have an account with them. This is despite receiving multiple emails from them about details to my account changing. They are not willing to help resolve this matter.
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX  XXXX  through XXXX  XXXX. This situation falls under XXXX  as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I kindly ask you to block this information from my credit report within XXXX business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  CT XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX  CR XX/XX/XXXX
Product: Debt collection

My XXXX state tax refund was intercepted by alliance one collection agency for traffic tickets. {$1100.00}. Tickets in XXXX & XXXX. The courts had my wages garnished thru my employment which had been paid off XXXX. 
Account # XXXX. XXXX balance liason at XXXX XXXX XXXX. XX/XX/XXXX called alliance one spoke with Supervisor XXXX XXXX about this account. He told me that XX/XX/XXXX it would take 6-8 weeks to return the tax refund amount. Called back XX/XX/XXXX to get an update status with XXXX XXXX he stated {$580.00} went to another account. I asked him why did he like. And did asked he verify that account was mine. And where are my receipts. Where is the other amount of my tax refund go {$540.00}. He hung up on me. I left the manager XXXX XXXX a voicemail about this issue. Never heard back. XXXX Address to corporate XXXX XXXX XXXX XXXX, wash. XXXX my name is XXXX XXXX . XXXX XXXX XXXX XXXX CA XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the data break at Equifax, my personal financial information has been compromised, and I no longer know who has access to my most sensitive data. Equifax did NOTHING to notify me of this, and I had to learn through mass media channels MONTHS after the initial breach. 

This is simply unacceptable. Equifax has put both me and my family at risk. And the worst part is that I do n't know the extent to which we are endangered.
Product: Payday loan, title loan, personal loan, or advance loan

I XXXXXXXX XXXX XXXX XXXXXXXX  and informed Sunset Finance in XXXX, GA that I was going to be on unpaid XXXX  XXXX  until XXXX, ever since I missed my first payment I have received calls from blocked numbers, nasty comments from the manager and CSR XXXX. XXXX told me on XX/XX/2023 that they needed me to come into the office to sign insurance paperwork in order to help get my loan caught up since I am out of work. I took my XXXX week old into the office thinking that I was going to receive help from this company in order to get caught up, and the manager asked me to come back to his desk. With customers in the office he said loudly that I was XXXX payments behind on both of my loans, and that he could coming them to get me caught up but that I would have to pay {$250.00}. I informed him ( again ) that we are relying solely on my husbands income and that our rent alone is {$1300.00}, and that I had no way of paying {$250.00}. He told me to ask someone for help like my parents or a good friend, because he can call his mom or a good friend to help him. I called my mom while I was at his desk, and while talking to her I told him that it was unethical for his employee to tell me that I needed to come sign insurance forms, he stated that in his XXXX years of working there that the company has not covered XXXX. In short, I was lied to by his employee, he stated that he was not aware of what she said to me. This company has also sent someone from their legal department to my home when I was alone with my child ( XXXX weeks old at that time ), tried to get me to talk to their manager on the phone that day as well. I informed this company on multiple occasions that I am out of work, and have a XXXX  to provide for right now, and that he is my main concern. The manager kept saying in my XXXX years in this business he has also told me that he knows Im in the business but I havent been in it as long as he has. It was unethical of them to tell me I was coming to receive help from an insurance claim and then embarrass me in front of other customers. I had to take my XXXX XXXX  old into their office and one of the employees was wearing a mask, which tells me that he is either sick or was recently, which in turn puts my vulnerable infant at risk as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not show proof on how they verified the following account : XXXX, after 6 disputes and has not validated this account. They have not provided proof of even starting the investigation or providing proof of who they spoke to to verify this account. I have sent multiple disputes to Experian certify with receipts and they have still ignored every single letter and continue to falsely report the following account. Experian is the only reporting agency reporting this account. It has also been over 30 days since the investigation with no changes or response. I have attached the previously letter sent out XX/XX/2022 with no response.
Product: Debt collection

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX is currently reporting a unverified account on all 3 of my credit reports and is obviously re-aged. I have never heard of this company before and they are demanding money in the amount exceeding {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Experian today ( XX/XX/XXXX ). Everything looked correct except XXXX hard inquiry item that I did n't recognize : Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XX/XX/XXXX XXXX XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Cashapp Doesnt Have A Customer Service Number Or Email To Help Me Get into My Account That Has Money Sitting In It
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report the failure of financial institution and the involved credit reporting agencies to adequately investigate and resolve disputes regarding unauthorized and unknown accounts and transactions reported to my credit report. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693.

Specific Issues : 1. Unauthorized Accounts : I have identified multiple accounts placed under my name that I did not open or authorize. Despite submitting disputes with supporting evidence, these accounts remain on my credit report.

2. Deleted Accounts Reinserted Without Notification : Accounts that were previously deleted after dispute resolution have been reinserted into my credit file without my knowledge or the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Failure to Remove Unauthorized Entries : Several accounts and transactions I reported as unauthorized have not been removed, and the credit reporting agencies have failed to provide adequate explanations or verify the accuracy of the disputed information.

These inaccuracies have caused significant harm to my credit standing and financial well-being. Despite my efforts to resolve these issues through direct communication with the credit reporting agencies and financial institutions involved, I have been met with dismissal and insufficient investigation.

Relevant Laws : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that credit reporting agencies notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notice.

15 U.S.C. 1681c-2 : Mandates the blocking or removal of information resulting from identity theft or unauthorized accounts upon receipt of appropriate documentation.

15 U.S.C. 1693f : Provides protections for consumers disputing errors in electronic fund transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a revolving account with XXXX XXXX. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, XXXX XXXX  pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for XXXX items using my line of credit. Again XXXX XXXX  pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.
Product: Credit card or prepaid card

Someone opened a card in my name through Monroe and Main last XXXX. I received a notification that a new account was opened in my name through my credit monitoring. I immediately called them to tell them it was not me and fraud. They said it would be taken care of. I then received a bill in the mail and a set of shoes in the mail. I called them again and put another dispute in with them and they assured me that it would be taken care of after they were very rude and not helpful. I mailed the merchandise back to them which they received XX/XX/XXXX. I now have a delinquent payment on my credit report from them. I called them again on XX/XX/XXXX and they assured me it was closed and would be taken off my credit. I then receive a notice that they opened a new account in my name again. Please help Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXXXXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the XXXXr system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Three inquires were made on my credit report from XXXX XXXX on XX/XX/year>. Please remove the following inquires as they were not performed by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity & mail theft since XX/XX/2023, causing financial distress. The agency is reporting late payments that is hurting my credit score. This account was paid and currently on time. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b2. Company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Debt collection

I found out that MRSBPO LLC had opened a collections account via a credit monitoring service as derogatory mark against my account. The account was opened XX/XX/XXXX. 

Previously I had no notification, or contact with MRSBPO LLC. The original account was a XXXX account which had an additional month of service billed after cancelation of the account, which was disputed with XXXX. 

Originally it was attempted to be resolved directly with XXXX but they did not have enough length of record to determine why this additional month of service was owed. XXXX refused to drop the amount, even though I had record of all months of service paid in full up to the receipt and confirmed date of return of equipment. Which by direction of XXXX themselves, was to be specifically XX/XX/XXXX in order to NOT incur another month of payment. 

This debt was passed to collection. A company called XXXX XXXX XXXX opened a similar tactic account with out ever contacting me. This was submitted in a previous CFPB complaint ID : XXXX. 

XXXX XXXX was supposed to send me written debt verification, we sent some emails, confirmed mailing address, etc. Talked with them on the phone, they closed the account they had opened on my credit with OUT verifying debt. And then never sent me anything or called me back, etc. 

It appears they just passed the account on to MRSBPO LLC. Which some background research has lead me to find that they attempt to notify XXXX accounts by sending a MMS message image to phones. A tactic commonly utilized by scammers and is prone to being automatically filtered by anti-spam software on newer smartphones. 

Having never sent a written letter ( which a correct address would have been confirmed from the dealings with XXXX XXXX ) or a voicemail, phonecall, etc. 

When I called them to notify they had fraudulently opened my account with out ever making a meaningful attempt to notify or verify the debt they denied they had done anything such, and suggest I provide my attorneys number. 

I expressed to XXXX XXXX that I had a full record of my payments to XXXX from starting service, which XXXX themselves admitted they do not even have. Of which I payed in full ever month of service up to my physical return of the equipment. 

At this point the account is just being bounced from agency to agency and they are utilizing damage to credit score to bully a payment. 

Attached was the originally disputed account from XXXX XXXX, the last email correspondence and the new account as reported on credit monitoring services.
Product: Credit card

I was ( rightly ) charged a late fee for a payment. The following month I made my normal monthly payment on time, howrver Capitol One charged me an additional late fee because I did n't pay the first late fee. So they 're charging me a late fee- on a late fee. 
When I called, I was told by the representative that the late fee is rolled into the loan balance- which in my understanding is illegal
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have disputed this information with the Credit Bureaus and denied my rights to a fair investigation. The creditor is inaccurately reporting as a XXXX XXXX on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a XXXX c documents of the write off or a validation in my investigation. Also, according to my recent reports, the reported closed dates have been altered since the original reporting date. This is conflicting with the Statute of Limitation denying me my rights to a fair opportunity of receiving an accurate report. In addition to this, the account is inaccurately reported as Past Due. 
This account is linked to an address that is foreign to me yet they still are reporting negatively to my Consumer Report.