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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Credit reporting

I submitted a dispute in XXXX to XXXX Equifax and XXXX. XXXX completed their investigation and found out XXXX of the information that I disputed should not have been on my credit report. They removed, updated and corrected the information. XXXX has not done the same. Equifax refuses to fix my credit report. They have information on their that 1. does not belong to me and is incorrect ex. pucblic records, XXXX and XXXX investigated and removed. I pay for a monitoring service from all XXXX. They should update from the other 2 credit reporting agency. My XXXX score is XXXX with XXXX. XXXX XXXX is XXXX and equifax if a XXXX. That is unacceptable. Equifax and XXXX should be reporting the same as XXXX who took the time to investigate and provided the correct information. My financial situation is severly getting affected because of Equifax and XXXX. Please have Both equifax and XXXX update my credit report as XXXX did. All information on XXXX is correct. I am also attaching all XXXX of my current credit reports so you can see how bad equifax is. I only had to call and dispute once with XXXX. I called Equifax 15 times and disputed about 10 times and they still refuse to do anything about it.
Product: Debt collection

Good morning! 

Thank you in advance for your help. After many calls and hours of my time, I've been instructed to file a formal complaint to address the collection effort tied to my identity. I recently received yet another collection notice from FCO ( Fair Collections & Outsourcing ) detailing debt owed to XXXX XXXX XXXX, a residential apartment building located in XXXX, CO. I use the term " yet another '' since this issue has been addressed with FCO in the past, but unbeknownst to me- it has not been resolved and I have been negatively impacted as a result. For added context, I've never lived at this property, nor have I been affiliated with this property in any capacity. Despite this claim, FCO representatives have insisted that I complete a fraud packet and file a police report. 

Since then I have contacted the creditor ( XXXX XXXX XXXX ) directly and confirmed that the debt they submitted is assigned to a different individual with a similar name. They also confirmed that the information submitted to FCO was not mine. In conclusion, this seems to be a clerical error that FCO is responsible for. Despite this revelation, FCO representative XXXX XXXX insisted that I complete their fraud packet and file a police report. Given the information received from the creditor, I can no longer complete FCOs fraud packet, nor can I file a police report as my identity has not been stolen per the explanation above. I've made a good-faith effort to resolve this error with FCO, asking that FCO simply contact the creditor to resolve the issue. Again, I was met with resistance and a requested that I complete further legwork and file a police report. Lastly, I've confirmed that FCO has filed a derogatory mark with the credit bureaus, which has negatively impacted my credit score and ability to obtain preferred financing. 

Thank you, XXXX XXXX
Product: Debt collection

JP Morgan Chase Bank ( JPMCB ) has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the consumer reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. On XX/XX/XXXX I finally had enough of JPMCB. abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. JP Morgan Chase Bank sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violations I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They had 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice validated. And now they are in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also XXXX  is reporting 11 late payments but XXXX  and Equifax are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes
Product: Mortgage

Mortgage company called county tax office on XXXX XXXX, XXXX to confirm that XXXX county property taxes had been paid in full which was unfortunately the Friday before the county posted our payment on Mon XXXX XXXX ( payment was mailed on XXXX XXXX but not posted to our account until XXXX XXXX ), and since the taxes were showing delinquent at the time of their call they immediately set up a forced escrow account on our loan and processed a check to pay the delinquent amount. Once our payment was posted our account was paid current, so when XXXX County received the duplicate payment from PNC they put the funds in a holding account as they do not automatically return duplicate payments. XXXX county send a letter to the party who they received duplicate payment from notifying them that the taxes they were attempting to pay had already been paid, and county includes a form that PNC was required to complete and return to the county requesting the funds to be refunded back to them. We continued to send PNC our monthly principal and interest payment on time every month, and each month would include a written note advising them the forced escrow account had been setup prematurely and to please post our payment directly towards the principal and interest loan balance per the terms of our Note. We also made numerous phone calls to PNC customer service as well as numerous email requests to please have someone take the time to contact us so we could discuss what had happened and work together to get our account back on track as each month we were receiving nasty letters saying our payment was short and no payment that we 've sent since XXXX XXXX has been properly posted. We have continued to send our payment each month for the past 3 years up thru the payment that is due XXXX XXXX, and up thru XXXX XXXX PNC did cash our payments but since XXXX XXXX PNC has repeatedly returned each months payment saying that they will not accept insufficient payment. So, in XXXX XXXX we hired an Attorney who has also made numerous attempts to speak with PNC customer service and PNC 's legal counsel, but is repeatedly told that they will review our file and get back with her but to date that has not happened. PNC did finally serve us with foreclosure notice, but after pushing our hearing date out 3 different times they filed a cancellation of foreclosure with the court but have not gotten back with our Attorney with any offer to in some way work with us to bring our account current and back in good standing. We are now to a point that we 've lost all hope that this ongoing dispute will ever be amicably resolved with PNC, and we will continue to have the stress and agony of our home loan being in complete limbo for who knows how many more months or years to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent some letters out with an FTC report to Equifax and XXXX about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

After solving this problem several times now it is occurring again. On  XXXX / XXXX / 2017  I made a purchase that left a {$2.00} balance. On  XXXX / XXXX /   2017  I deposited {$80.00} then {$220.00} from  XXXX . However in stead of depositing monies to my account I was charged late fees of {$37.00} twice, with my {$80.00} never being credited to my account as of today b y Huntington bank. Also just on my account there is n't any direct email or chat room access when everyone  else has those access.
Product: Checking or savings account

I was made aware of an investment and checking account with a related NSF for {$14000.00}, that had been opened with USAA in my name and Social Security number from correspondence received from USAA on X/XX/17. Since X/XX/17,  myself and my recovery advocate that I 've been assigned to help resolve this ID theft case, have made over 10 conference calls and mailed and faxed four copies of my fraud packet containing an FTC Affidavit, police report copies of USAA 's correspondence and proof of my ID, Social Security number and address. I have not received USAA 's cooperation or communication back in an effort to properly report and assist USAA with addressing these these two accounts and NSF check caused by ID Theft. This is the content of the cover letter with the limited power of attorney for USAA to communicate with my recovery advocate as well. USAA C/O Financial Crimes Division XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Regarding : XXXX XXXX XXXX XXXX Member # XXXX USAA Investment Account Ending XXXX USAA Checking Account Ending XXXX Per my conversation with USAAs Investigations Department, Ive enclosed a notarized limited power of attorney, FTC Affidavit, proof of ID, Social Security number and address. The above referenced account is a result of identity theft ( ID Theft ) and has been included in the XXXX XXXX Police Department report # XXXX as such. The identity theft case has also been filed under case # XXXX with XXXX XXXX XXXX XXXX XXXX. Im requesting on behalf of my client, XXXX XXXX XXXX XXXX, that USAAs records indicating XXXX XXXX XXXX XXXX identifying information to be coded as ID Theft, as she has never had a relationship with USAA. Also, that USAA inform the IRS of the related ID Theft case and retract all related USAA reports which have been provided to the IRS or other entities. Please forward an acknowledgment of the receipt of this fraud packet and resolution of this matter to ...
Product: Debt collection

I have discovered an inaccurate listing from DataMax Corp (  XXXX ) reporting an amount of {$4900.00} with XXXX, XXXX and XXXX credit reporting agencies. I have never had a contract, written contract or received services from XXXX or XXXX XXXX XXXX, which has ultimately resulted in XXXX placing an account on my credit report that does not belong to me. I have no written contract with them and never received any benefit from them to date. 

This has been on my credit report for 5 1/2 years and I have disputed this on numerous occasions due to this being a fraudulent account. Over the last 5 years I have had to recover from a possible identity theft situation. Someone used my information for a cell phone bill {$2000.00}, obtained a licenses plate, maintained a vehicle under my name and unfortunately this apartment. All of the accounts have been removed from my account expect for this one. On all three credit reports, XXXX variation of my true name is incorrect. All have been removed and I was hoping XXXX and I could resolve this issue as soon as possible with no struggle I have filed a police report and filed an affidavit with the FTC to request this account to be removed. This account will fall off my credit report in 2021 but, in this case, I am truly not reliable for collection for this debt from XXXX or XXXX XXXX XXXX. I have never been late on a payment with any account I truly own and I am a reliable individual attempting to resolve an account that truly does not belong to me. 

In conclusion, I have disputed this collection account with all three credit bureaus and XXXX I have never had a contract with either DataMax Corp ( XXXX XXXX, XXXX ) or XXXX XXXX XXXX. Please have XXXX remove the negative report against my SSN with all three credit reporting agencies ( XXXX, XXXX  and XXXX ). Lastly, to remove all personal information from all accounts in this company database. If DataMax Corp ( XXXX XXXX, XXXX ), rejects the request, please agree to have no contact in any form with me regarding this account now or in the future and this will fall off the report in 2021. 

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

TransUnion did not investigate an account on my credit profile for Dept Of EdXXXX, Contract Callers, XXXX XXXX, US Dept. OF EDUCATION/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but XXXX and Equifax are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. Account : XXXX XXXX  Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. 

See attachment for further details on the creditor and account details. 

Thank you
Product: Credit reporting or other personal consumer reports

The document addresses multiple inaccuracies and unaurthorized reported to the credit bureaus by XXXX and XXXX. The primary issues include erroneous delinquencies, misleading charge-off statuses, and unverifiable collection entries. These discrepancies violate consumer protection laws under the FCRA and TILA. Each section highlights specific instances of non-compliance, relevant legal precedents, and actionable requests to rectify the errors. The disputes are methodically organized and emphasize legal recourse should the agencies fail to resolve the discrepancies within the stipulated time-frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail sent with information explaining the primary users responsibility per a divorce decree to close an account. It also states if he did not close it he would be solely responsible. I received a letter stating the information that I sent was insufficient. I called the number provided. They claimed they could not see the information sent and did not have anything to collaborate it was sent regarding the information placed on my credit report. The amount is for {$100.00} after I notified my ex husband, he then reported the unpaid amount as fraudulent. I mailed my information on XX/XX/XXXX. I received the letter that there was insufficient evidence on XX/XX/XXXX. The letter was dated for XX/XX/XXXX. 
I want this debt erased from my credit report. I informed them but they have not removed it or place my credit score to its original state.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I was contacted over the app XXXX XXXX, and was fooled into sending my XXXX XXXX XXXX brand new like a almost {$950.00} phone to this gentlemen. I was led to believe that money was deposited into my paypal and on hold. Appears it was all a scam. Ive lost out on my {$950.00} phone and was fooled into paying out my own pocket almost {$75.00} in shipping because I had believed that the payment was in my account please help me i can not afford for this to happen to me. Im XXXX XXXX and this has driven me to the verge of actual XXXX. Please help me get the money I'm owed being I know my phone is gone most likely forever. His email address is XXXX Please and thank you. XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I recieved a phone call from XXXX XXXX XXXX  XXXX  a law firm that represent GE MONEY BANK for JCPENNY about a credit card I had in XXXX. GE MONEY BANK FOR JC PENNEY. The rep with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ext XXXX ( my file number XXXX ) advised XXXX is owed and XXXX XXXX XXXX XXXX  was hired to collect or sue the amount the plan to collect is {$3800.00} due to a tolling agreement attached to the card I advised her the card was stolen with Jcpenney I reported this in XXXX to Jcpenney. I asked her if I owed this debt how come it has not appeared on my credit report on it was not sent to me by mail. The rep advised it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX. I advised the rep that address is not the correct address for me nor was it for me at the ( I did not live an apartment I owned a house ) I sold this home in XXXX. Each time I moved I updated my address the USPS and the credit bureaus have a list of all my known addresses. This company called several of my relatives for instance my nephew XXXX XXXX they called him and told him they were filing a civil Lawsuit on the same day they called me. Like my nephew and told them they were looking for me to sue me. This has been embarassing and unprofessional I have NEVER experienced anything like this. Also, when I asked can they see where I reported the card stolen. She said they can do an internal investigation but if it comes back that they could find not any evidence I called I will be sued for trying to commit fraud to be relieved of debt. This is outrageous. Lastly, if they could not speak with my representative about my debt then why did they speak with my daughter and my nephew about it when they called. This is a stall tatic by this company to sue me for this debt which is why it took 30 days for them to respond to the cfpb with that.