23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANKXXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XX/XX/2022 To Whom It May Concern : While checking

my m ost recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company.

Inquiry
was made on XX/XX/2022 by COMENITYBANKXXXX. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social XXXX XXXX XXXX XXXX XXXX number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue to report this account status as " Petition for XXXX XXXX XXXX  '' and as a charge off when it should be reported as paid in full or deleted. I have talked directly with XXXX XXXX XXXX and they have confirmed the status of paid in full no charge off and no Petition for XXXX XXXX XXXX  I have included the letter from them as well. I have been denied a mortgage and numerous credit opportunities because you continue to lie and say you have confirmed this with them. Under the fair reporting act my next step is to sue you if you do not fix this immediately. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Petition for XXXX XXXX XXXX 
Status updated XXXX XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2500.00} Highest balance {$1700.00} Terms NA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft.. I was iXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have accounts on my consumer report that I have no knowledge of.. I had filled out an FTC identity theft report with the accounts attached.. I need these accounts removed of my credit file. The accounts are.. 
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

These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. XXXX XXXX Experian 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 XXXXXXXX
Product: Debt collection

recently reviewed my credit report and discovered a debt being reported by Contract Callers that I do not recognize or owe. I have never had any prior dealings with the original creditor, nor do I have any records of the debt in question. I have not received any communication from Contract Callers regarding this debt, and no validation of the debt has been provided to me. 

In XX/XX/year>, I noticed this debt listed on my credit report and immediately took steps to dispute it. Given that I have no knowledge of this debt or any related transactions, I believe this may be a case of mistaken identity or fraud. I have since filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

I request that Contract Callers cease all communication unless they can provide full validation of the debt, including an assignment contract proving their legal right to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$3400.00} XXXX  XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX are reporting an unvalidated debt, furnished by XXXX XXXX XXXX XXXX, purported to be owed to XXXX XXXX XXXX XXXX. This account was disputed by me, the referenced consumer, directly with XXXX XXXX XXXX XXXX and this alleged debt was never validated. XXXX XXXX XXXX, along with the aforementioned credit reporting agencies are conspiring together to defame my character, creditworthiness and cause me financial harm and emotional distress. The continuous reporting of this negative and defamatory account is an infringement on my right to privacy as well as damaging to my credit reputation and character. The aforementioned credit reporting companies have a duty to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, per 15 USC 1681. These companies have blatantly disregarded my right to privacy and in the process continue to disregard the Congress 's rules, laws and orders regarding the protection of consumers ' privacy, per 15 USC 6801, 6802, 6821, 16 CFR 313.7. Notice to cease and desist and request for validation of debt pursuant to 15 USC 1692c, 15 USC 1692c ( c ), and 15 USC 1692g were mailed via certified mail to the original creditor and their affiliated parties on XX/XX/ and never validated. Proof of mailing will be attached to this complaint.
Product: Debt collection

NTL Recovery Agency is insisting aggressively and have damaged my credit score on purpose from a false representation of a fallacy that is far from the truth. This unknown predatory debt collector is trying to collect the wrong amount of debt. The bad debt that NTL is falsely trying to collect is {$1700.00}. I am requesting again from NTL Recovery Agency for an itemize bill. I am legally entitled to it. I have been overcharged due to my lack of ignorance. Now that I know, I could question and dispute any inaccuracies, false statements and/or representations. 

All charges could be lower by visiting this website : XXXX 
As a consumer, I have rights and will like to exercise them in a new and meaningful way. I can contact the original creditor billing department and dispute my charges and leaving the middle man out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports/. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Mortgage

I a made a mistake in XXXX of 2015. I did not receive an email acknowledging recept of my payment. Stupidly I made another payment and when I realized my mistake I tried to fix it immediately that did n't work so the second payment bounced. It has been 4 months and they are still not accepting payments from me. They are hitting me with all kinds of charges. I spoke to them and mailed the amount they told me to mail and they received it 2 days late and they returned it to me. I have been trying to 4 months to just pay my mortgage
Product: Credit card or prepaid card

Account was opened but not by me. Account was charged a little over {$8000.00}. I didnt make a single charge. I filed a police report and the company has never contacted or bothered me about any payments but it hurt my credit score.
Product: Money transfer, virtual currency, or money service

I had an open account with navy federal in XXXX and XXXX and XXXX sent {$5000.00} to an unknown person and would not refund me money that resulted in my money being stolen.
Product: Credit reporting or other personal consumer reports

Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) 281 SW 715,719, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist.

Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, and 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 : 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 card or auto account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/2020 National Credit Adjusters violated FDCPA practices by attempting to collect a debt that is not only not mine, failed to prove is mine, the statute of limitations on this debt has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent 
accounts and inquiries from my credit report. I recently became a victim of a data breach, 
resulting in unauthorized accounts being opened in my name. According to 15 U.S.C.  1681c2(a) and the Fair Credit Reporting Act (FCRA)  605(b), I am entitled to have these fraudulent 
items removed.
Please find below the details of the unauthorized accounts and inquiries:
Fraudulent Accounts XXXX XXXX Account Number: XXXX XXXX Opened: XXXX XXXX Balance: XXXX XXXX XXXX Account Number: XXXXXXXX XXXX  Opened: XXXX XXXX Balance: 
XXXX XXXX XXXX Account Number: XXXX XXXX  Opened: XXXX XXXX Balance: 
XXXX XXXX XXXX  Account Number: XXXX XXXX  Opened: XXXX XXXX Balance: XXXX XXXX XXXX XXXX  Account Number: XXXX XXXX  Opened: 
XXXX XXXX  Balance: XXXX
Unauthorized Inquiries
 XXXXXXXX XXXX  Inquiry Date: XXXX
 XXXX XXXX Inquiry Date: XXXX XXXX XXXX XXXX Inquiry Date: XXXX
Product: Vehicle loan or lease

I, XXXX XXXX, Original Creditor and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement i entered with XXXX XXXX XXXX XXXX XXXX XXXX 
I entered into this contract agreement with XXXX XXXX without 1 ). Full disclosure of my right to rescind 2 ).

Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.
Product: Checking or savings account

My card was used to access over {$15000.00} of funds from my unemployment account. I have provided proof and signed documents for statements. US Bank ReliaCard still hasnt given me my funds or rectified the situation.
Product: Credit reporting or other personal consumer reports

Company name Experien Disputed Item ( s ) : [ Account Number or Identifier ] [ Inaccuracy or Disputed Information e.g., incorrect balance, late payments, account not mine, etc. ] I believe this/these item ( s ) to be inaccurate because [ brief explanation of why the information is incorrect, e.g., you paid the account in full, the account is not yours, the dates are wrong, etc. ].

Enclosed, please find copies of supporting documents ( such as payment receipts, account closure confirmations, or identity theft reports ) to substantiate my claim. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this/these item ( XXXX ) be investigated and either corrected or removed from my credit report. I request a confirmation letter once the investigation is completed, showing the updated report and results. 
Thank you
Product: Credit reporting or other personal consumer reports

I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. A U.S.PROBATION DEPT Inquiry : XXXX XXXX, XXXX  this needs to be removed
Product: Mortgage

I was in the process of buying a home since XX/XX/XXXX. XXXX XXXX with American Pacific Mortgage was my lender. Apparently she had made a pre-approved and i had qualify for {$270000.00}. XXXX XXXX I found a perfect house that i loved with everything me and my family were looking for, and the best part was that it was {$230000.00}. So it was perfect. I had ask our realtor to put in the offer. The offer was accepted and we started the process. I paid {$2400.00} for the XXXX money, {$690.00} for a house survey and paid {$300.00} for a house inspection. Everything was going good until XXXX send a email on Friday XXXX XXXX stating that all paperwork was sent to XXXX Mortgage and that she was going to be honest of me being XX/XX/XXXX percent that I would get approved by the bank. 

I didn't understand what had happen from XXXX the XXXX being approved and investing on the new home to the XXXX being at XXXX percent. By this time my family and i had already started packing our belongings. My leaving room was full of boxes with our stuff. On Saturday XXXX the XXXX i received a text message from XXXX Mortgage what i decided to call back and asked if they knew anything about my situation. What XXXX XXXX XXXX I spoke with mention to me that everything that i had explained to him sounded like XXXX had done the pre-approval wrong and now she was having trouble getting me approved. 
Thursday, XXXX the XXXX was the last day to claim our XXXX money back. My wife and I decided to cancel everything since we couldn't get a response about what was going to happen. XXXX wouldn't answer the calls and she will only text back our realtor stating that my XXXX money was protected until Thursday and to give her a little longer. I didn't want to wait longer since i was putting in risk my XXXX money i did not want to loose the money and continue asking for the termination letter. 

On Tuesday XXXX I called XXXX Mortgage again and talked to a broker explain everything and after XXXX hours on the line with him. He explained to me that XXXX had run numbers wrong that me or my wife shouldn't have never been pre-approve that we did not qualify for a loan. She had done wrong the debt to income ratio, and the only option for us to get the house was if someone will co-sign with me. 

I really hope whoever is reading this takes it into consideration. What XXXX XXXX did to my family is not fair at all. She should get audit on her loan applications. I don't understand why would she let her clients invest money to a home that would never be there home. Or even get comfortable to start packing. Now I lost {$690.00} for a home survey and {$300.00} for a house that would never be mine. The most sad part is that i have my family unpacking all the boxes to put everything back. We shouldn't have gone thru all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX  and Experian credit report are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2016 I received information from paramount recovery systems. In the packet that I received was information that is a violation of HIPPA. This information was giving to a third-party which was an attorney speaking on my behalf. Who then gave the packet to me, once they noticed that it contain diagnoses and medical information that should n't been released. For example they have access to information that is currently being handle by third party insurance company, which was to due to an automobile accident and was handled accordingly. This incident happened on XXXX/XXXX/2016, and they should n't have access to this information and the original creditor stated that they should n't have that information since they did n't send that information to them nor should they be sending this information when it is not a debit. I have contacted the original creditor who has told me that they do not released medical information due to HIPPA regulations and the only information that they will release and what I should 've gotten from them is the medical bill that show the amount, who the doctor and a what each produces cost. They stated that should be no reason why they have any medical information. I even contacted the hospital and they stated they do not release medical information without permission. I looked over the document and had an attorney look over the same documentation and nowhere did I sign for my medical information to be released to a third party collection agency. Nor did I sign or agreed that my medical information to be used as means to collect a debit or debit validation.