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

I am filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ( 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018, I paid off a car loan with XXXX XXXX. The account payments were never late. After XXXX XXXX closed the account XXXX XXXX-Transunion and XXXX lowered my score by, ore than 20 points.I called XXXX   and was told they would look into the matter. I submitted a dispute with Transunion during the 3rd week of XX/XX/XXXX and called them today and the issue has not been resolved. 

They quick to lower the scores and yet when a mistake is make it takes 30 days or more for them to make corrections, this is not fair! 

These credit reporting companies need to have more oversight from the government as it pertains to lowering scores without sufficient investigation. In addition they should have a set time to correct mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXXXXXX I WORK AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/2020, {$1400.00}, XXXX XXXX A.- XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX XXXX {$250.00} MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX 

The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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 tha
t the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

XXXX is reporting an outdated bankruptcy on my credit report that no longer reflects my current financial status. This bankruptcy has already exceeded its reporting period and should have been removed. I asked XXXX to remove this bankruptcy and to no avail have this been removed from my credit profile. 


This erroneous reporting is hindering me from purchasing a home for my family. Please ask XXXX to correct this information to ensure my credit report accurately reflects my financial history. 


Respectfully yours, XXXX XXXX
Product: Debt collection

Afterpay hired a XXXX XXXX collection agency called XXXX. I've repeatedly asked XXXX  to stop emailing and to only communicate via usps. They still emailed. After filing a complaint I've learned that they have given the debt back to afterpay who started emailing. I ask them to stop emailing and send validation via usps to address on file. However they are still emailing. This is a clear violation of the fair debt collection act.15 U.S. Code 1692c - Communication in connection with debt collection
Product: Mortgage

The lender negligently failed to pay city taxes from my escrow account. Unknown to me, a tax lien was filed against my home and has now been sold to a third party. The mortgage company has stubbornly refused to deal with the situation, which arose in XXXX 2015. They respond only upon a threat of regulatory intervention, and then only to say the matter is " under study. '' Meanwhile my credit has been seriously harmed, and my home is at risk. All documentation has been provided to the lender, Loan Depot.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX my capital one credit cart is close because payment is returned I understand its my far but I need las chance open again my account I fix it that problem I dont need my credit history go down please help and give me at other chance I call costumer service but thay dot give me any chance please help
Product: Debt collection

This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, XXXX XXXX XXXX put it back on my credit report. They are trying to collect a debt from Capital One that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and XXXX XXXX XXXX are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of XXXX XXXX XXXX C.E.O. As a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth.

Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from Capital One. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If Capital One approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 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 ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXX XXXX XXXX Auto Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX
Product: Student loan

Multiple payments have been reversed since XX/XX/year>. I am now 8 days from being sent to collections. All payments have been made on time. 

I have called EdFinancial and engaged in chat sessions. Nobody has any answer why Ed Financial is reversing my payments. 

I have contacted my bank and they have no record that Ed Financial has ever even tried to submit the payments. 

I have deleted my bank account, re-entered it per advice from Ed Financial customer service and still they are reversing my payments. I have even attempted to make a payment over the phone. 

I have reached out to an attorney and if this is not remedied immediately I am taking them to small claims court and they will be liable for attorney fees, my late fees and the money it's going to cost me to repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to inform you that I have crazy error in my credit profile. The point is that these accounts are not mine I do not know the, they are somebody else I guess or its just identity theft and someone used my personal data. I am shocked how these items damaged my score and I can not imagine what to do in this case. Could you please figure out the origins of those accounts and probably investigate my case. And of course I will ask you to remove it forever.
Product: Credit card or prepaid card

I purchased 2 watches as gifts from the XXXX mall location in Wisconsin of XXXX 's on XX/XX/XXXX. My purchase total was {$690.00}. Since I already have a Sterling Credit Card I knew that purchases over {$500.00} were qualified to be interest free for 6 months. I confirmed with the gentleman that I made the purchase from that this was correct and he agreed. 

I then had to take back one of the watches because my stepdad didn't like the style and wanted to pick something different. We exchanged one watch on XX/XX/XXXX for a different one. I did get a {$76.00} credit into my account since the new watch I purchased didn't cost as much as the first one. This would still leave me with a {$610.00} purchase- still should have been qualified for no interest. 

To my surprise I was charged with my first finance charge of {$12.00} on XX/XX/XXXX. I then emailed the company ( an option when you are logged into your account online ) on XX/XX/XXXX and asked why I was being charged interest. I received an answer on XX/XX/XXXX from XXXX XXXX stating that the promotional plan I was interested in requires a 20 % down payment at the time of purchase so I wasn't eligible. 

My response on XX/XX/XXXX to that was that I was not informed at the time of purchase that I was required to make a down payment or I would have done so. I then asked for the situation to be handled or I would be filing a formal complaint. That response was : a very general : XXXX XXXX  issues your account and responds to all credit related inquires on XX/XX/XXXX. This infuriated me. I had to actually wait to calm down about this situation before I filed the complaint. I work in customer relations at a bank and would never blow off a customer that states they will file a formal complaint. I deal with them everyday and make sure that whatever they ask for is handled. For me to get treated like this when the shoe is on the other foot is a slap in the face. 

I thought I would wait one month to see if I'm still being charged interest and sure enough I am.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX at around XXXX I walked into the TD bank located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I made a wire transfer to recipient XXXX of {$11000.00}. The bank associate who helped me was not familiar with the process and had to be helped by the bank XXXX XXXX XXXX On XX/XX/XXXX I notice on my online checking account another wire transfer for the same amount to the same individual being debited from my account. On XX/XX/XXXX I call XXXX XXXX and they tell me that this second wire was made by accident. She tells me that they have issued a recall on this wire and that they will give me a temporary credit for the amount they accidentally wired. In the meanwhile, in an email between the recipient, myself, XXXX, and XXXX XXXX XXXX XXXX XXXX we ask the seller to accept the recall. The recipient says if he receives the accidental wire, that he will return it. 

On XX/XX/XXXX the recipient affirms that he has not received the second accidental wire. On XX/XX/XXXX XXXX in an email says she asks the wire department to send another recall. 

Today is XX/XX/XXXX and I still have not received a temporary credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( XXXX, Equifax, XXXX ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from report.
Product: Credit reporting or other personal consumer reports

I recently disputed XXXX XXXX XXXX and while disputing it shows that one XXXX XXXX XXXX contract is pending while the other is updated and also it shows that there's no public record found and it stated that when disputing there going to go the the vendor who received the information or get the information from a public record there's no public record here and it still has not got removed or updated to positive just like the other credit bureaus XXXX  or XXXX and there's no data found on none of my scheduled payments disputing this will not fix the errror thats on my credit rreport because there going to get the information from XXXX XXXX XXXX instead of properly investigating the account for themselves
Product: Credit card

refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy ADA options for someone who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and who also fall under protected class. Each of the business expects a person with bad health to spend countless hours with each of them and I barely have the ability to live, barely can move some days and yet when I am able to call I am verbally attacked. I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my car since I was denied many loans or if my credit card does work is when I have access to wifi. it would be great if some company allowed me to live and focus on my health. you can stop sending mail as I can barely move and going to a mailbox isn't top priority my life is. thanks similar letter was mailed to social security, illinois, VA, and 3 credit bureaus
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear LVNV FUNDING, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws. 

It has unequivocally come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.