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

I've been trying to dispute this account with the 3 credit reporting agencies for the last 2 years. I reached out to the company reporting the debt XXXX and I requested proof of debt verification. XXXX sent me a letter and a contract about the purchase of a cell phone under a XXXX account that was signed for by another person. The account is showing under my name but it was not a transaction that I authorized and it is not my signature on the document. This entire situation penalizing me for fraudulent activity and is making it hard for me to get my approval for my first home.
Product: Credit reporting or other personal consumer reports

Experian Account Name : XXXX XXXX  Account Number : XXXX Experian Account Name : XXXX XXXX  Account Number : XXXX Experian Account Name : XXXX XXXX Account Number : XXXX Your company is in clear violation of the law under 15 U.S.C. 1681b, which pertains to the permissible purpose of consumer reports. The law clearly states that : IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish these accounts on my credit report? 

Furthermore, the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : Subject to section 15 U.S.C. 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above collections from my consumer report as this agency is in violation of 15 U.S.C. 1681. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, which regulates communication with the consumer : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt :
Product: Credit card

Chase continuously charges a late fee on its Freedom VISA card ( Acct # XXXX ), despite the fact that bills are paid directly from a Chase checking account and are suppose to be credited the same day. It was due on XXXX XXXX and was paid electronically on XXXX XXXX. Yet XXXX XXXX was still charged a {$25.00} late fee, as he has been many times previously because of the deceptive, unfair and abusive practices of Chase Bank.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM DEMANDING THE REMOVAL OF THEM
Product: Credit card

I made a {$4.00} purchase on eBay and the seller requested payment via PayPal. I have had a PayPal account that was a direct pass-through to my XXXX XXXX XXXX XXXX card for XXXX+ years, but rarely used it. When I made the payment PayPal opened up an unrequested, unauthorized and unnecessary credit account, and also contacted XXXX and possibly other credit reporting companies on XXXX XXXX, 2015. This had negatively impacted my credit rating. 

PLEASE PUT A STOP TO SUCH CONDUCT, FOR THIS IS NOT THE FIRST TIME PAYPAL HAS ENGAGED IN THIS OR SIMILAR CONDUCT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Its showing that the account is charged off but it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : ( XXXX XXXX XXXX  ) Account # XXXX, hasviolated 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a  lawsuit against the bureaus and XXXX due to their negligence and none compliance.
Product: Mortgage

We struggled with making mortgage payments in XXXX and XX/XX/2018. Late payments were due to not receiving Government checks timely. We contacted Wells Fargo for help with temporary forbearance to get us through the wait period. We only needed 30 days relief. Wells Fargo refused to help, told us that there were no options available to us unless we were 90 days late, which causes irreparable damage to homeowner credit report and provides Wells Fargo with acceleration rights to foreclose. As a result, we have two late payments reflected on our credit report even though the payments were caught up in the following months respectively XXXX and XX/XX/2018. These derogatory credit entry 's are preventing us from refinancing or taking a loan to catch up from the government slow down and shut down resulting in the delay in receiving government checks.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WSTLAKESVC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Account : 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 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

Transunion has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inactions violates federal law and my rights as a consumer.
Product: Credit card

I had XXXX XXXX XXXX XXXX XXXX. XXXX was with Citi Bank and I cancelled the card in order to avoid the {$100.00}. annual fee. The other card was with XXXX. I owed {$550.00}. on the XXXX XXXX. I scheduled a payment to XXXX account for XXXX XXXX on my Bill Pay at XXXX XXXX XXXX ( XXXX ). XXXX changed their Bill Pay Web page and I had to reenter the XXXX Credit card account number. When I did this the XXXX site popped up with a notice that the account was recognized and there was no need to add more information. What XXXX Bill Pay sent my payment to Citi Bank! Citi Bank cashed the check on XXXX XXXX. XXXX called to tell me I was delinquent! That was when I researched the payment and found out that Citi Bank took the money. I payed a minimum to XXXX over the phone and they reversed my late fee. Meanwhile I printed a copy of my cashed XXXX Bill Pay check that Citi Bank had cashed. Citi Bank had hand written an account number onto the check that I did not recognize. I called them and told them what had happened. They told me that they had applied the payment to an account that was forgiven in a Bankruptcy filed in XXXX and that I could not file for a refund for 30 days. I have to call them back on XXXX XXXX. I 'm not sure they will even refund the money when I submit this complaint on the XXXX. I believe they are in violation of the Bankruptcy Protection Laws if not committing an act of fraud. How can they write another account number on my check when that account is closed.
Product: Debt collection

Hello, this is not my debt nor have I gave them my info. I havent received any written communication from this company and they are in violation of my privacy, harassment via phone, fraud and illegal use of my data they paid for. This is a 15 USC 1692d violation along with SEC, FCRA. They have called my phone however over 100 times in 2 weeks. More than 46 times In 7 days.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself without the involvement of any third party. Attached is a detailed letter outlining the fraudulent inquiries being reported on my credit report. 

The accounts listed in the attachment are all fraudulent inquiries. I have never had any transactions with the entities associated with these inquiries, and none of them have been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an entry put on my credit in XX/XX/XXXX for Synchrony Bank/Care Credit . Where did this come from. I immediately contacted Synchrony bank at the number provided on the credit. When I called and thy searched their records and there is not account with my nae and social security number. I even called a second number at Synchrony bank and thy verified that I DID NOT HAVE AN ACCOUNT. I contacted all three credit bureaus and submitted disputes on XX/XX/XXXX I just received the outcome of the 3 investigations and that's why I am filing this complaint. I received notice that the info is accurate but that the credit report was changed? XXXX deleted the tradeline and XXXX XXXX and XXXX verified the account and it remains on my credit. this report hit my credit for the first time on XX/XX/XXXX for the time period XXXX to XXXX. Never received a bill, no contact, no contract. 
This fiasco has caused my credit to lose over XXXX points and they know it. 
PLEASE INVESTIGATE THIS TRAVESTY IF ITS HAPPENING TO ME ITS HAPPENING TO OTHER VETERANS AND FLORIDIANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I purchased my  credit score and  report from TransUnion via online and also included in the purchase was the same information from   XXXX   and  XXXX . There was a major discrepancy in the scores at which point I contacted TransUnion customer service and was informed t hat the credit score I pur chased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score TransUnion reports to credit lenders when they inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in   XXXX   and I received a letter from my previous mortgage company that my  credit score thr ough TransUnion was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

XXXX XXXX  did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Product: Mortgage

I was told I was approved for a home loan equity of {$37000.00}. This was back on XX/XX/2023. The loan XXXX I was working with was XXXX XXXX. But I had some repairs to be repaired at the time. So I worked hard in getting them completed. Now I get told i was never approved. I'm always denied. They just wanted me to complete the repairs by telling me that I was approved. I was never sent a denial letter. I have equity in my home and I can't even access to pay off some debt. There is another loan XXXX trying to get me approved but it seems hopeless for me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an account with  XXXX   XXXX   XXXX  Credit Card. When I enrolled last year, the {$990.00} annual fee was waived. On   XXXX   XXXX   XXXX   I was charged a {$990.00} annual fee. I was not given notification that fees would be implemented, and I was under the impression that the fee would be waived as long as I was on  XXXX   XXXX  status.     I called the credit card company today, and they said they no longer waive the annual fee. I feel I should have been notified beforehand so I can financially prep. Being  XXXX   XXXX  military, a {$990.00} annual fee is not affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how XXXX and Experian did their investigation. They keep on reporting the account as a repossession but they wont give me an explanation as to why they wont fix it.. This error has affected my credit score. CFPB please step up and fix the account asap XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXXXXXX XXXX  XXXX {$550.00} XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX  {$670.00} XXXX UNVERIFIED ACCOUNT XXXX. XXXX XXXX XXXX XXXX {$2200.00} XXXX UNVERIFIED ACCOUNT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, ROUNDPOINT MTG ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, ROUNDPOINT MTG ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.
Product: Debt collection

This company says I owe them for a lease. I don't live in Texas at the XXXX. I have never signed a lease they are lying
Product: Checking or savings account

Third party XXXX XXXX involved in XXXX XXXX. 

XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. 

Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. 

XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. 

Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. 

XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian is reporting unauthorized inquiries on my credit report. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX