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

Subject : Formal Complaint Regarding Inaccurate Information and Identity Theft Impact Across Credit Reporting Agencies Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with inaccurate information on my credit reports from XXXX, XXXX, and TransUnion. Despite numerous attempts to have this incorrect information corrected, the credit reporting agencies have failed to address the problem, leaving me with a compromised credit profile and exacerbating the consequences of identity theft. 

The following personal information in is the only accurate and valid data for my credit report : All other personal details listed on my credit reportssuch as incorrect names, addresses, or phone numbersare outdated, false, or fraudulent. I have been a victim of identity theft, and these inaccuracies have contributed to further issues with my creditworthiness. I have already filed an identity theft report with the Federal Trade Commission and my local law enforcement, as required by 15 U.S.C. 1681g ( e ) of the Fair Credit Reporting Act ( FCRA ). 

I have previously requested that XXXX, XXXX, and TransUnion delete this incorrect information from my credit reports as mandated under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 of the FCRA, as well as Texas Business & Commerce Code 20.03 . However, these agencies have not complied with the law. Under Texas Identity Theft Enforcement and Protection Act ( Texas Business & Commerce Code 521.051 ), I am further entitled to the removal of any data linked to identity theft, yet these rights have also been ignored. 

I am now seeking the CFPB 's assistance to investigate and enforce these corrections, as the reporting agencies have failed to comply with federal and state laws. This ongoing negligence is damaging my financial standing and causing further complications due to the unresolved identity theft issues. 

Please help ensure that these credit reporting agencies are held accountable for their legal obligations to maintain accurate records and promptly delete false or outdated information. 

I appreciate your immediate attention to this matter and look forward to your assistance in achieving a swift resolution.
Product: Checking or savings account

Check number XXXX posted on XX/XX/XXXX from XXXX for XXXX. This check was written for XXXX. I called to request an item adjustment on XX/XX/XXXX which was not submitted correctly. On XX/XX/XXXX they resubmit and assured me my account would be credited! It has not! I have made multiple attempts to contact a manager, no one has called me back, everyone acts like they dont know what Im talking about when I call. I would like my XXXX back. Its been ample amount of time for this to be credited!
Product: Debt collection

On XX/XX/2018 the company account resolution services contacted me about a debt that is not mine for {$1600.00} I have no clue about this debt and would like it to be took it off my credit score
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had several late payments on a account XXXX XXXX # XXXX that I was in fact paid on time the Transunion and XXXX do not match. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following XXXX, I'm now requesting you investigate this account and update these payments to paid on time and never late immediately, thank you for your understanding and prompt action.
Product: Credit reporting

I sent this letter on XX/XX/XXXX, but I have not yet received a response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, cash app notified me my account was closed due to a violation of their terms of service. I have read their terms of service and did not violate them. My funds in my cash app account were frozen. I contacted customer support and was told that the decision was irreversible and permanent and they were using their discretion to lock my account for any further withdrawals or transfers. I dont understand how a financial institution can operate in this way. I have attempted to contact the company through multiple channels and have received canned responses with no additional information. I would like to regain access to MY funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

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

I have repeatedly contacted all 3 Reporting agencies advising them on erroneous errors on my Credit Report including names, addresses, and accounts that are not mine.
Product: Checking or savings account

I monitor my close closey everyday. Ive set up alerts on my account to notify me each time a transaction has been posted, debited, withdrawn & or credited my account. I submitted a claim for unauthorized charges on my account & called my bank to cancel the card. As of XX/XX/2018 they have charged me NSF in the amount of {$110.00} incorrectly. I called to file a complaint the representative could not explain if the transactions were accurate in which they were not. twice they have also returned checks when I had over 4K in my checking account. This is theft & needs to be investigated. The integrity of this bank is questionable as well. When I call after authenticating myself they still ask me for my full social security number, my driver license number, & DOB, & the security code on the back of my debit card. I do not trust this process & make me afraid I will become a victim of ID THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX cra violation not mine id theft victim sent po report XXXX
Product: Credit reporting

I disputed this company with XXXX and Equifax. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. Equifax and XXXX is the only XXXX still have this on my credit report. Equifax and XXXX are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX # XXXX unverified account
Product: Credit card or prepaid card

I've been with American Express for many years and have always experienced great customer service up until this year. I don't know if they've changed their model or staff but I have never received such poor service from a top credit card company. I have a business and a personal credit card with them. My personal account is paid off and closed but I still have a balance on the business account. I reached out to ask to American Express to find out if there were any programs I could take as of the lower the interest and min due. At that time they enrolled me into what they call a long term payment plan paying {$520.00} a month. This is still a big payment but I was managing to make it monthly until COVID-19 hit our business. Like many people we went from making money to making nothing in the matter of weeks. I immediately reached out to American Express to see if they were doing anything to assist individuals who had been impacted. I was told that I would not be required to make a monthly payment for 2 months. I was so relieved at that time to know they were going to work with me. In XXXX I started back making payments but started getting collection calls. I was told the account was past due by two months. The payments that I was told not to make I was now being penalized. Not only did they start calling each day trying to collect on a debt but everytime I tried to speak with a supervisor they weren't available. I literally spent hours on this account right now it's still showing past due I still am not working. The practices that American Express took during covid were not helpful and misleading.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX
Product: Debt collection

I called to get the following information below but the representative I spoke with was unable to give me the information I asked for. I am contacting you again for the following information below. 

When was the account opened? 
When was the account closed? 
When was the account sold? 
What date was the account charged-off? 
What was the date of first delinquency? 
When was the last payment? 
What is the balance?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX was the original creditor. I reached out to them and the manager at the time the alleged debt occurred. They did verify I did not owe them because of prior arrangements with the office manager which were in writing and verified with corporate. This collection has been disputed because it is not valid. I have repeatedly asked for the rent roll on my account. All documents from the alleged debt and reciepts of payments made on my account along with allocation of non returned deposits etc. The collection company can not provide this. They have failed to provide the oroginal date of collection and continue to change the date so as not to have to discharge from my report. This is illegal. It needs to be deleted immediately or I fear I will have to file suit for malicious debt collection on a debt not owed.
Product: Debt collection

Called myself and relatives and friends multiple times. Used abusive and rude language. Threatened the use of law enforcement.
Product: Credit card or prepaid card

My card was locked after I made a purchase I tried to get it unlocked and I was told to send my identity verification I did but they said my ID was expired. I obtained a new ID and sent it to them now they say they cant unlock my card and I contacted XXXX and they said they dont do that they have no way of verifying identification through the phone or instituting a MLU process
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. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ). ( XXXX ) : Account # XXXX XXXX {$2200.00} XXXX. XXXX ( XXXX ) : Account # XXXX, XXXX {$1400.00} XXXX. XXXX XXXX XXXX : Account # XXXX, Amount {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$100.00} has 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 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

WHAT HAPPENED : Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX  XXXX has 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I believe I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX Account Numbers XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX as a charge-offs in the amounts of {$1300.00}, {$440.00}, {$740.00}, & {$210.00}, respectively. 
. 
My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing these 4 accounts off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the accounts continue to be reported as charge-offs on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as charge-offs on my credit report grounds me to seek statutory damages and the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file, prohibits me from purchasing a home, causing emotional distress.
Product: Checking or savings account

Everytime I deposit a check into my checking account, there is a hold placed. One check was written from another Bank of America account. They placed a 10 day hold and didnt release a portion of funds. 

Deposited another check, they said available next day. Checked my account next day and find out their is a hold for 8 days. Called Bank of America and no one can give me any information has to why they hold my money for such an extended period of time.
Product: Credit reporting or other personal consumer reports

I did my research with the fair credit reporting act and XXXX, XXXX, and Experian has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy. 15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX  XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.