23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX of XXXX an aggressive and violent tenant, one whom has made multiple physical threats unprovoked and constantly had a man with a known violent criminal record stay with her committed assault and battery against me. The police were called, I had open wounds on my face from where I was clawed and recommended to go to the hospital. I wrote the apartment, XXXX XXXX, a letter and presented proof of the violent assault that took place. As over half a dozen noise complaints had been filed, police have shown up to their residence for unknown reasons, often needing to knock the door down, the threat was forseable. XXXX XXXX violated the terms of our lease agreement and not only failed to provide a quiet and safe environment, but acted negligently in allowing the situation to escalate despite ours and others warnings. Office manager XXXX XXXX agreed. I moved out completely on XX/XX/XXXX and was asked to pay for both XXXX and XXXX rent amounts. As the contract was legally void I offered to not sue for negligence and pay a pro rated amount until XX/XX/XXXX. The keys had been returned to them on XX/XX/XXXX when the incident was reported. I am XXXX and did not leave my apartment unless absolutely necessary. 

I have not heard a single thing, received for any mail or email or evening phone call since. As of XX/XX/XXXX there is a {$1200.00} collection on my 3 credit reports from FAIR COLLECTIONS & OUT with the only information provided being the name and the amount listed as derogatory. 

With absolutely nothing to go on I disputed with the three credit report agencies and they directed me to file a report with the FTC. I have done all that I was asked to, sent a letter on XX/XX/XXXX to the debt collector that was generated by the FTC. By this time I had found an address after XXXX the information. No email or phone number were provided to me to this day. 

They have not reached back out to me, but they have responded to the disputes I filed with the reporting agencies regarding their accuracy and requesting information be sent to me at my provided home address. 

They added an account number and date of first delinquency : XXXX ; XX/XX/XXXX. 

The letter is very detailed and in each dispute I made with all three credit reporting agencies I made it clear I have never been notified of any past due amount, sent a bill, or contacted about this. 

XXXX XXXX employees have been a nightmare to deal with when I did live there. After my last contact with them I do not want further contact, and will have to sue for Negligence and fraud by early XXXX if no one will actually verify they contacted me, or made any attempt to contact me as if they had I would have responded before this became a legal issue I cant afford with this epidemic living in XXXX.
Product: Payday loan, title loan, or personal loan

We financed flooring at XXXX XXXX with a 24-mo. Interest free promotional period. Financing was through : SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When we reached the end of the interest free period we were told our monthly payments were late every month - even though we were never told until the end of the promotional interest free period. We made payments via auto-draft of {$170.00} every month to completely payoff our balance only to find a {$40.00} draft was assessed each and every month on our account plus now 29.99 % interest going back to day 1 - even though we more than paid the balance in the time frame.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX ( formerly known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) after discovering unauthorized credit inquiries on my credit report. These inquiries, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent and were associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for these unauthorized credit inquiries. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playspecifically, whether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. Such inaccuracies not only undermine consumer rights but also jeopardize the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings.

Moreover, under Va. Code Ann . 8.9A-102 ( a ) ( 73 ) and Ind. Code 26-1-9.1-102 ( a ) ( 73 ), a secured party or creditors legal name must match exactly across all legal and financial documents, including credit reports, billing statements, and other associated records. If the legal name is not accurately reflected, it can result in significant legal and financial complications. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed NAVY FEDERAL CR UNION to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with NFCU, but thats not worth anything to these companies?!? Its wrong that large companies like NFCU can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity documents which includes ID & Social security card were stolen in XXXX. After recently obtaining a copy of my credit report I found several FRAUDULENT accounts and inquiries that were listed on my credit report they were listed on my XXXX, XXXX and Experian. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions. 15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system. IN accordance with the fair credit reporting accounts listed below : Following are the accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

1. On XX/XX/2021 I received Bank of America text that I had received {$1000.00} from my son via XXXX. 
2. At the material date, I didn't have my phone # linked to a bank account. Therefore, I never received the money. 
3. I failed a claim with Bank of America on XX/XX/2021 but the claim was declined. I was referred to the sender. 
4. The sender also filed a claim but was declined. He was referred to the recipient. 
5. Bank of American has indicated that there is nothing that can be done to locate the missing {$1000.00}. 

I need help beyond what Bank of American can provide.
Product: Credit reporting or other personal consumer reports

A card was opened with out my knowledge and is now on my credit report
Product: Credit card

Was sent a card I didnt apply for on XX/XX/24. Called the XXXX  on the notice and they said they would open a case but were unclear as to whether the card has been activated or whether the account will be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, XXXX : XXXX Date of birth : XX/XX/XXXX my home address is XXXX XXXX XXXX XXXX XXXX MN XXXX. 

Equifax file # XXXX Dear Sir/Madam. I'd like Equifax to delete this account that is reporting to my credit report. I contacted Equifax, and they provided me a file number for the account that I'm contesting, and they told me that we notice this is not your account, and that we should be removing it within 48-72 hours. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, I eagerly anticipate resolving this issue as soon as feasible. 

XXXX XXXX reported XX/XX/XXXX {$5100.00} Reported XXXX XXXX limit {$4300.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections 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 of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting

There is a Veterans Affairs/Administration debt on my Equifax credit report. This debt was a mistake and the Veterans Affairs/Administration has taken action to get the debt DELETED from my credit report. It has been successfully removed from XXXX and XXXX but Equifax refuses to remove it stating that the Veterans Affairs/Administration has continuously verified that I owed the debt. Attached is a letter from the Veterans Affairs/Administration to myself ( Dated XX/XX/2016 ) stating they have taken action to reflect delete on my credit reports and it could take up to 45 days. I sent this letter to Equifax and they ignored it and said they would not take any action to contact the Veterans Affairs/Administration and ONLY used an automated system. They informed me they were not allowed to contact the Veterans Affairs/Administration. I asked for it in writing and they hung up on me. They have, on many occasions, asked for my phone number and as soon as they put me on hold, they hang up the phone. I have a XXXX XXXX XXXX and this collection may have a negative impact on it if it is not removed promptly. I have been trying for over a year to get this resolved. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report there is a hard inquiry from XXXX XXXX. I at no time requested any credit products from XXXX XXXX and i want this hard inquiry removed from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX at wells Fargo branch in XXXX, VA XXXX I applied for {$25000.00} line of credit for my business & was denied access to my credits I requested an explanation to why I was being denied. The reason was not very clear, first it was because of history of the business then it was derogatory report on my consumer report which didnt make any sense. I requested an escalation from higher to resolve this matter, they responded just reapply again. Fast forward to XXXX I applied again in hopes to get a line of credit now that business has developed history but yet aint again I was denied access to my credits after providing securities. Wells Fargo has failed to provide me a credible valid reason for not providing me with credits I requested. I now feel as if Wells Fargo is committing securities fraud.
Product: Debt collection

Experian is breaking several laws. They have been continually reporting erroneous information on my consumer report. This is not any type of credit agency, Im upset and want this issue handled now they are ruining my reputation and my mental health.
Product: Credit reporting

Capital bank is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX Bank which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.
Product: Mortgage

Hello, I closed on the sell of my property XX/XX/XXXX and have yet to receive a payoff quote from the mortgage lender. A notice of default was recorded on XX/XX/XXXX. Security National Mortgage Company has had a request from XXXX XXXX for several weeks and have yet to provide the information needed to pay off the mortgage, stop the accrual of interest and attorney fees. Another month has rolled due that I will be forced to pay. 

The title company called me XX/XX/XXXX to ask for my assistance with obtaining the payoff because no one was helping them at Security National or acknowledging their requests, even with the provided borrower authorization form. 

After speaking to Security National and being transferred multiple times, hung up on, waiting on excessive holds and being denied the request to escalate they informed me the payoff would need to be requested from the foreclosure attorney. Until XX/XX/XXXX no one had informed the title company this, even with multiple requests they failed to acknowledge and forward the request to the attorney. In speaking to them they do not have a process for this. We attempted to escalate the matter but the attorney and Security National played the blame game for the delay. Again, as of today we still do not have the payoff. 

I fear there are critical processes missing with this company and know they are outside the regulatory timeline to provide a payoff quote. I am frustrated that I will be paying another months interests and any attorney fees accrued during their delay. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax/XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from EquifaxXXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

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

15 U.S. Code 1679c have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 
XXXX is reporting an inaccurate balance on my credit report and I have sent couple dispute to no avail and Equifax refused to provide me how the investigation with discover went as I dont know what Equifax is reporting on my credit report. Investigate and delete and attached is document XXXXXXXX XXXX which is known on my report as XXXX Equifax reporting wrong balance on XXXX balance Summary Investigate XXXX and XXXX  and delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union have an active extended fraud alert on my account. I can never get in touch or get customer service to answer the phone and I can not get my extended foot alert off my account. I dont remember the pin that was said I dont even remember it was a pin and its affecting my credit. I cant apply for stuff because this is the second verification to ask them for a need a credit freeze to be removed from my TransUnion account immediately this fraud alert was removed from XXXX XXXX. Trans Union is the only bureau to have extended for alert on my account I need it to be removed. I will send a send them proof before of my identification. I called them no one I guess no one on the phone
Product: Debt collection

This account wasn't open on XX/XX/scrub> 2024 as it show its an old account and it ' should be remove from my credit report since its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reported this server so times. I do not have a credit with this company nor a credit line or lending agreement for it to be reporting and this shouldnt be reported due to the fact, they only have a bill to verify not a legal binding document
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

I do not recognize these address please removed them from my credit report thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have alias name please removed all alias or any other name on my credit report XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX i received an email saying that my account had been closed due to inactivity. I contacted the company XXXX XXXX XXXX on XX/XX/XXXX to ask if this was a mistake and if it could be reversed. They told me that it was nothing they could do and they do not have to give any warning before closing out my account. I last used the card in XXXX of XXXX. I have not used it because typically it is my travel card but due to Covid i have not been able to travel anywhere.