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

This is not a duplicate nor is this complaint filed by a XXXX  party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Product: Payday loan, title loan, or personal loan

I am reporting this complaint for my mother XXXX XXXX. XXXX is XXXX XXXX XXXX and lives in her own home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In late XX/XX/XXXX thru XX/XX/XXXX she was contacted many times my XXXX XXXX. They contacted her to try to sell her a money making internet business. She was told she would make hundreds of dollars a day. XXXX has a computer, and has learned to look at her e mail, but has not learned any other computer skills. XXXX XXXX told her it was not necessary, that she could pay them $ XXXX and they would help her get money deposited directly to her bank account. XXXX is on social security and has a reverse mortgage on her home. They referred her to Pentagon Federal Credit Union for a loan that they gave her over the phone with an e mailed electronic signature. She send me all the documents that she had on her XXXX mails and I can find no loan documents. She paid XXXX XXXX {$5.00} k on XX/XX/XXXX from her debit account. Pentagon Federal Credit Union deposited $ XXXX into her debit account at XXXX XXXX XXXX on XX/XX/XXXX, she then wrote a check from that to XXXX XXXX XXXX on XX/XX/XXXX. 
I contacted XXXX XXXX for and refund and was denied. I will continue to try to get that back. I have reported to FBI, BBB, & FTC, and am reaching out to all agencies that might be able to help. 
I disagree with PENFED for loaning this amount over the phone to an elderly woman without asking any questions. I do not know how she will pay them back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried obtain a copy of my Equifax credit report to review before applying for a home loan to purchase a house, only to discover that my file was unable to be accessed do to an error in the spelling of my home address which was the FAULT of Equifax. It has now been a month since I notified Equifax that nor I or any creditors can obtain my report which has since caused me to lose out on the purchase of a house. 

As of today, XX/XX/year>XXXX  when I attempted to pull my Equifax report, there now appears to show NO personal or credit information at all, which causing some serious financial problems for me and my family because of Equifax 's error, this has now put me not only in a financial hardship but the lose of any future chances to buy a home for my family!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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

I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX ( math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.
Product: Checking or savings account

My direct deposit did not get released to my account. I called bank on XX/XX/year> multiple times and have not been able to get through phone line cuts off when going to speak to representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.
Product: Credit reporting or other personal consumer reports

XXXX failed to investigate potential harmful inquiries and reports on my credit. XX/XX/2024 resulting in inaccuracies to continue be included in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my credit report, I contacted the company Twice asking for the original documents containing my signature or any proof that i applied for financial assistance from their institution,,, they provided no documentation, ,and refused to remove the hard inquiry
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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: Student loan

I have tried multiple times to get onto a repayment plan after defaulting on my loan. My loan was given to a collection service, however, because the loan was distributed in the statement New York the collection service cant legally collect. Now I have no way of actually paying my loan and kept being told some one will contact me about getting my loan to be payable. Every time Im told to wait a few but no one ever gets back to me. My loan is damaging my credit and my co signers dreading because its going unpaid and they have not offered any solution after months of trying to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, Experian & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
Product: Credit reporting or other personal consumer reports

An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted EXPERIAN, XXXX AND XXXX and made filed a fraud alert with each of these credit reporting companies.
Product: Checking or savings account

On XXXX XX/XX/year> I deposited {$500.00} over from my son 's account ending in XXXX. You can see the company illegally changed the date in my ledger to the XXXX XXXX XXXX  and then took a XXXX XXXX  the account XXXX on the XXXX when that transaction was never showing on the XXXX of XXXX on my ledger ending in XXXX. You can see I also did a XXXX XXXX transfer. 

When I contacted the bank today over the telephone XXXX, the customer service lied and said that my account was in a negative {$110.00} which was not true and what I shared with her that I had more then enough money to cover it. If I didn't the person that I was being a blessing to for her faithfulness and hard work would have only received {$380.00} which she received the entire {$500.00} on that day and I screenshot her response on the XXXXXXXX XXXX XXXX These banks think just because I do multiple transactions that I am not going to cover myself. I cover myself because First Citizen, XXXX XXXX XXXX XXXX all have stolen money from me. 

These three banks I am petitioning to the CFPB to investigated thoroughly because there are plenty customers out there that these 3 banks are stealing from and they go into the system and manipulate dates and numbers to make me think like I do not know what I am speaking about but this time I have the proof with the attachments. I am not paying this over draft and the bank need to credit my account, fix their outdated digital system that is slow with transactions which causes overdraft. At times it shows I have no debit card, In the last two months there have been at least 2-3 times we as customers could not use our accounts because there systems were down. But they will not get rid of the old outdated system that is causes hardships on myself and other customers.
Product: Credit reporting or other personal consumer reports

Contested this inquiry previously. 
Completed XX/XX/XXXX I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Created XX/XX/XXXX I Previously Disputed This I previously disputed this inquiry stating : " I dont recognize this inquiry by this lender, but I know multiples were made by them in a short time span. I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Product: Checking or savings account

I am writing to formally dispute certain information provided by ( XXXX or XXXX XXXX XXXX. I respectfully request a thorough review of the following items, and if unable to verify them accurately, I ask for their removal from my record in accordance with the Fair Credit Reporting Act ( FCRA ) and relevant state regulations.
Product: Debt collection

CFPB + ERC, In a recent check of my mail I see there is a collection account from ERC saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter
Product: Debt collection

I check my credit report and I see midland has purchased and account that I had years ago with XXXX XXXX XXXX and now they're trying to collect {$580.00} and report the account as open .I receive social securirty and I'm not paying thm for and account they purchased for their monetary gains
Product: Mortgage

XXXX XXXX XXXX has been advertising to come and see her at her office to get prequalified this was in XX/XX/XXXX when i asked her if she was a licensed Loan Officer she said no and that a license was not needed to go over rates and payments and to see if i was able to get qualified for a fha loan. Since XX/XX/XXXX her company has changed to a couple of different names. When i asked her if i was qualified all she told me is that she would get back to me and i still have not received a decision back from her. She told me that because I'm self employed she was going to have to prepare my XX/XX/XXXX taxes for me so that i could qualify when i have asked if she was a CPA she said no but she has prepared a lot of buyers taxes so they could qualify for a home loan. This has me very concerned that a person who is not a licensed Loan Officer or CPA is preparing taxes for people so they can " qualify '' for a mortgage.
Product: Credit card or prepaid card

I am a Bank of America Premium Awards VISA credit card member at its highest level. One of the benefits of this card 's program is reimbursement of non-refundable travel expenses in the event travel has to be canceled because of illness. I had to cancel hotel reservations at a XXXX XXXX for XX/XX/XXXX to XX/XX/2020 because I was undergoing XXXX treatment of XXXX  XXXX XXXX at the time of reservation. The reservation was canceled on XX/XX/2020 .Bank of America has declined my claim of {$710.00} for this canceled travel expense without explanation. 

From the VISA Premium Rewards Benefits Guide, " What types of Non-Refundable Travel Expenses are eligible for Reimbursement. '' " ... Licensed Providers of Lodging ( hotel, inn, motel .... ) '' Clearly, I am entitled to reimbursement from Bank of America ; but BoA has declined my claim without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the third investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

XXXX
Product: Debt collection

Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2022 Balance {$220.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting this account for years to no avail. I have sent in proof showing I was in the XXXX for a long period of time due to being diagnosed with XXXX. 

I had many accounts that popped up on my credit profile that weren't mine, but I was able to get them removed. This account has been removed, added, updated and everything in between. 

I'm wanting to purchase a XXXXe one day and don't think its fair that someone took advantage of me while I was at a weak point in my life, but after proving this account isn't valid, its still not being removed. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completedXX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX
Product: Consumer Loan

I had a credit card from Chase Bank USA from XXXX until XXXX XXXX. I negotiated a settlement of the balance in XXXX XXXX. As part of the settlement, Chase agreed that there would be no negative information posted on my credit report, and the loan would merely state : " Legally paid in full for less than full balance. '' In XXXX, Chase wrongfully placed this item in my credit report as " negative ''. I contacted Chase and they agreed that I was correct and they removed the " negative '' mention. However, in XXXX, Chase again reported this account as " negative ''.