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

XXXX XXXX XXXX XXXX And a cornets with the fair credit act convergent account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the follow=? ing charges on my credit report. all correct information for all XXXX credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed theft or incorrect information
Product: Debt collection

XXXX is been listed and verified as accurate within credit file. XXXX reporting a collection activity within my profile, which is unverified and in accurate.
Product: Debt collection

account was listed as closed on my credit report and it was sent to collections in 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX   XXXX XXXX  Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX  Original creditor  XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my XXXX Report : XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX  ( XX/XX/2021 ) XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries on My Equifax Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax has not removed fraudulent information on my credit report, even though it has been reported over 60 days ago. 
XXXX ( XXXX XXXX is not the problem ) sent the first request to delete the information on XXXX XXXX, the AUD control number was XXXX. 
XXXX XXXX sent the SECOND request on XXXX XXXX, and the AUD control number was XXXX. 

I am unable to dispute the process through Equifax 's own website as they still have inaccurate account verification questions, which prevents me from accessing my credit report. Any other method of communicating with them officially is beyond me as I have limited transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, State of Ct Department of social service Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Have 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 an account without my written instruction.
Product: Debt collection

XXXX XXXX appointment XX/XX/XXXX at which time new insurance card provided by client ( recently turned XXXX and now under individual plan via employer ) ; XXXX XXXX  provides full coverage of all preventative services with {$0.00} copay. 

Sometime after XX/XX/XXXX ( as evidenced by mail forwarding per XXXX from prior residence ) statement sent from dental office with unpaid balance on account dating back to said appt prior year ; no contact prior to this. 

Several phone calls exchanged between myself ( client ) and dental office to refute charges. Discovered Incorrect insurance billed, therefore XXXX XXXX  information provided. Claim rejected as was billed outside the service window. Argued against fault for improper billing as charges are not responsibility of client from clerical error. 

Received call summer/fall of XXXX from collections agency regarding outstanding balance that had been forward. Explained situation and again disputed fault for improper billing as charges were not the financial responsibility of client. Noted these events as if disputed claim would be taken care of/ resolved with dental office. No additional contact from either entity. 

Now XX/XX/XXXX informed of negative impact from unresolved dispute on credit report, affecting favorable mortgage loan rates when believed to be resolved months ago.
Product: Checking or savings account

Bank of America 's handling of my closed accounts made me feel unsafe, powerless and left me without my checking and savings funds for 12 days, in the middle of a global pandemic. The complaint is about both my checking and savings account with Bank of America. I have been a Bank of America customer since XX/XX/XXXX. 

On XX/XX/XXXX, I tried logging into my mobile banking app, when I was denied access and directed to call customer service. When I called, I was notified that BofA closed both of my checking and savings accounts for, as the customer service rep put it, " business reasons. '' I was given no explanation and told that the bank has the right to do so. I was also told that my remaining funds, {$4000.00} in savings and {$6400.00} in checking, will be mailed over to me in a cashier 's check. When I asked when, the rep said he doesn't know yet because my case is so new, and to call back the next day. Mind you, I was given NO notice of accounts being closed, and was basically left with no cash, as this was my only checking account, in the midst of a PANDEMIC. 

On XX/XX/XXXX, I call back and am told that my check has been mailed via regular mail, but the customer service rep doesn't know when the checks will arrive. 

On XX/XX/XXXX, I receive some random letter from them, titled " Advice of Credit '' and dated XX/XX/XXXX. 

On XX/XX/XXXX, I take the said " Advice of Credit '' and go to speak to a BofA banker. The banker calls BofA on my behalf and asks what's up with my checks. He is now told over the phone that my checks were mailed on XX/XX/XXXX, instead of XX/XX/XXXX, as I was previously told over the phone by BofA rep. 

On XX/XX/XXXX, later in the day, I finally receive the NOTICES about the decision that my accounts are being closed. The letters are dated XX/XX/XXXX, but the notices arrived XX/XX/XXXX, 9 days after my accounts were closed. In the meantime, a letter is mailed to my old address in California (??!! ) that my credit card was closed too. 

On XX/XX/XXXX, I finally receive my checks. My account was closed on XX/XX/XXXX. In the middle of a PANDEMIC, my bank that I trusted since XX/XX/XXXX held my own funds for 12 days without an explanation. And frankly, the fact that they closed my accounts didn't bother me as much as the way that they handled the process, and left me borrowing money from relatives for rent or using credit cards to buy food. 

I believe the bank has all the call logs and recordings saved, including the one from the banker, and they can easily listen in to double check all of the dates and claims I have made here. Their notice letters are dated XX/XX/XXXX, but the envelope is dated XX/XX/XXXX, and it only arrived on XX/XX/XXXX. And the actual checks arrived two days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts XXXX XXXX ACCT * XXXX : XXXX XXXX ACCT * XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX in XXXX XXXX during these accounts. The CRA EQUIFAX, XXXX, XXXX has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on XXXX and on XXXX and Equifax showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX XXXX, XXXX and on Equifax showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed immediately
Product: Debt collection

I was advise that a collection of {$9800.00} was due to the XXXX XXXX XXXX  for apartment complex. the information provided was incorrect as I gave the 30 day notice to XXXX XXXX who was the Recertification Specialist on XX/XX/XXXX due to the property being sold to another company and i was not staying on board as an employee with them but staying with the XXXX XXXX XXXX as my employer. I paid my lease all the way up to XX/XX/XXXX as my lease was from XX/XX/XXXX to XX/XX/XXXX. I have bank printouts showing the online payments and POS transactions that I was making each month with the employee discount along with the new rental payment. I gave possession of the keys to XXXX XXXX on XX/XX/XXXX at the front door as the office had limit access due to Covid-19 restrictions. The information they have is inaccurate from the cleaning to rent due. I asked for documentation that the unit was dirty and to provide evidence that the tub was resurface prior to me moving it. they didn't provide non of the cleaning information prior to me moving in and moving out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all 3 credit bureaus ; XXXX, Equifax, and XXXX, to do a verification of my credit report due to identity theft, and inaccuracies and they did, EACH BUREAU stated everything was accurate. I then did thorough research myself and i found improper inaccuracies all throughout my reports. I attached my credit report below with all EVERY ACCOUNT with the inaccuracies and the ones that are not mine. In accordance with the Fair Credit Reporting act converging ANY ACCOUNT violates my rights. 

15 U.S.C. 1681 section 602a. States that i have the right to privacy.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. They can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Capital one was resolved and they agreed to remove off my credit report. They have reopened it giving false information and status of the account which has made my score drop tremendously without my permission or any papers! They are falsifying on My report and score and will not remove it after being asked to do so! I have no ties to this company anymore!
Product: Mortgage

First off, thank you for having this service. 

1. XX/XX/2023 - I log into my account at https : XXXX and I see two new charges added to my monthly bill : 1. Property Insurance for {$60.00} 2. Overage/Shortage for {$200.00} 2. I attempted to call the lender and could not reach them today. 

3. I then attempted to send them in a message on their portal but I receive a 'Critical Error ' message when I click the " Send Message '' button ( see screenshot ).

The punchline is I am being charged an extra {$260.00}, and I believe these charges are erroneous, but I CAN NOT reach this lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before payment due date. 

I NEVER gave Equifax any written instructions to furnish and/or apply any information on my consumer report which is a violation of 15 USC 1681b . Equifax has caused severe stress and anxiety due to the abusive and unfair practices. I have requested this false information to be removed from my report and they have failed to do so. My demand was issued XX/XX/XXXX for the alleged XXXX XXXX XXXX XXXX in the amount of {$13000.00}. 

Equifax has broken the law by report medical accounts to my report. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Equifax has not validated nor verified that I owe the alleged debt. I have requested for original documentation to be produced and sent to me for verification, this has been a total fail on Equifax part. This demand was issued XX/XX/XXXX for the alleged debt of {$210.00} by XXXX.
Product: Credit card or prepaid card

On XX/XX/21 my car was broken into and thieves stole all of my identification, my passport card, social security card, debit and credit cards. I have placed fraud alerts and frozen all three if my credit files with the bureaus. I also signed up for life lock. It has been a nightmare. every day I received several alerts of people trying to open credit in my name. One was actually successful. Someone opened an account with a company called CURACAO and was able to receive {$2000.00} of credit in my name. I contacted the company but didn't get anywhere. I disputed it with XXXX XXXX and they are working on it. The account in question was opened on XX/XX/21. I froze my credit files in XXXX. Still not sure how they were able to open an account in my name after I took all of these precautions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get these accts off my report. I am not the one trying to get credit cards or loans. This is fraud and none of the credit companies will help
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from TD Bank stating that an account had been opened in my name. I called them on XXXX to report this and told them I did not open this account. I was told that it had already been reported and closed. I was told I could call back to see where the process is. I was given the names and telephone numbers of the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get my credit unfrozen from Experion. They do not have any customer service available to ask questions and get help. It is all automated and will not let you get to talk to anyone. This is unfair to the consumer. We need to get answers about what is going on with our information.
Product: Credit reporting or other personal consumer reports

To whom this my concern. Looking over my credit report I noticed some serious inaccuracies on my account with UNITED AUTO CREDIT CORP account number : XXXX that was opened on XX/XX/XXXX. According to records I've provided in the attached documents this account was charged off on XX/XX/XXXX. Not only is this account reporting inaccurately going from 30-60-90 then to CO " charged off '' where is 120-150 months late this is inaccurate reporting and a violation of 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. As stated above this account was charge off on XX/XX/XXXX I recently notice the account mysteriously went from charge off to reporting as opened. I then got a notification that on XX/XX/XXXX UNITED AUTO CREDIT CORP had closed as can be seen in the attached document. This is a complete violation of my consumer report under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), data furnishers ( such as creditors ) are REQUIRED to report accurate information to consumer reporting agencies. Reporting a charge off account as open then closed is inaccurate because a charged off account typically indicates that the creditor has deemed the debt as uncollectible, and should not be change once as active or closed instead of charge off. This is misrepresentation or deceptive practice this creditor is deliberately misreporting the status of the account this is unfair practice under various consumer protection laws. A violation of the Federal Trade Commission Act 15 U.S.C. code 45, which prohibits unfair or deceptive acts or practices in commerce. This is also a violation of the Statute of Limitations on Reporting 15 U.S.C code 1681c this account was on course for seven year deletion on or around XX/XX/XXXX now this has been refreshed for deceptive acts of practice. I wish for this account to be removed immediately from all credit reporting agencies failure to do so legal action will be next course of action. I've also attach a XXXX  complaint that has been filed and a side by side showing how this account is reporting inaccurately across the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to take proper safeguards on my personal financial information, and the financial information of 143 million others. 

After learning about the breach, but long before they notified the public, company leadership started selling off their stocks. This is unacceptable. 

All aspects of this breach, including the insider trading, must be fully investigated and Equifax must be held accountable.