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

In previous several previous CFPB complaints, we asked Equifax to restore our auto loan account they had deleted from our reporting. As with other complaints, they did nothing so we did an CFPB complaint to the credit provider who soon after sent us a letter showing they had done an investigation and verified the account was missing from Equifax but still on the other two credit bureaus. They also indicate that Equifax acknowledged removing the account, but the answer made no sense. 

From letter : " This letter is in response to your request. First and foremost, ****** appreciates your business. Upon reviewing your account, we have determined that the information we are reporting on your account is accurate, paid off account XXXX  balance, your final payment was received XX/XX/XXXX. As required by law, we have reviewed our account records, during our investigation, we indeed show your file was removed from Equifax, according to the credit agency on XX/XX/XXXX a dispute was submitted and was never received or reply to it, that cause your file ( primary only ) to be remove from your credit. We submitted an AUD to bring your file back to your credit, you may reach out Equifax at ( XXXX ) XXXX and provide them XXXX # XXXX for further formation on your account, please allowed 24 to 72 hours for Equifax to update your reporting. Please note both XXXX  and XXXX  are accurately reporting your account, for primary and cosigner, not marked as disputed. We apologized for the inconvenience, should you have additional questions or concerns, you may  reach ****** directly using the contact information provided in the written response '' We can report that the account has since been added back to my Equifax credit reporting, but it now has deleted an important information. THE ENTIRE PAYMENT HISTORY IN MISSING -- - THERE IS NO LAST PAYMENT AMOUNT -- - NOT SHOWING MONTHS REVIEWED -- - There are also other things missing, which does not honor the XXXX  ( XXXX ) that they provider requested and therefore allows inaccurate information to be reported in my credit report.
Product: Checking or savings account

I recently opened an account in XXXX of XXXX with Navy Federal Credit Union. When I called in XXXX, they notified me that the last four digits of my social security number were incorrect in their system. As requested, I submitted all documentation that they asked for to correct my social security number. Then I was told that my social security number comes up with a previously married name, so with that I submitted my driver 's license, utility statement, and marriage certificate as requested. The account that was opened up would have been in XXXX, I did not recall opening it but stated that there is a possibility that one was opened and never used. I also added my current husband as a joint owner. When I deposited a check in XXXX, my husband was allowed to go to a branch and withdraw the funds with his ID card. On XX/XX/XXXX, I received a school refund through my cash app account. I did an instant transfer from cashapp into the Navy Federal Account using his debit card. When we attempted to use the debit card to pay expenses, we were told the account is completely frozen now due to " my issue, '' and that security found I was trying to " open multiple accounts with different social security numbers & now it is flagged for identity theft. I would never do that and submitted multiple documents to the bank to prove my identity when asked. I was then told that he would need to go to a branch to withdraw the funds. Today at the branch he was told by the teller along with security that the account is frozen, we have absolutely no access to the {$3100.00} in the account, and that they will not close the account & mail our funds. They are sitting in the account, and we have zero access.
Product: Checking or savings account

On XXXX of 2024 I opened a checking account with E*Trade from Morgan Stanley as they offered me a 3 % APY interest and a minimum of {$250.00} a month in direct deposit or multiple options was required to avoid the account monthly fees, few days later the Financial Institution changed their policy and informed me that the only way to avoid the account monthly fee was to keep {$5000.00} a month, so I decided to move some of my money to another Financial Institution as they offered me a better deal. On XX/XX/year>, I made a payment to XXXX XXXX in the amount of {$1100.00} using the aforementioned account. Because some money was transferred to the new Financial Institution, Morgan Stanley Bank retaliated and on XX/XX/year>, at XXXX I received an email from E*Trade requesting to contact them to restore functionality of my account as unusual activity was detected in my account and freeze it. On XX/XX/year>, at XXXX I called E*Trade, and was questioned of why I moved a large amount of money to the new Financial Institution ; my response was that E*Trade changed their policies and my recourse was to move my business to another Financial Institution. The associate demanded bank statements from my old Financial Institution to verify the source of my income and Estate, I downloaded my bank statements the same day. On XX/XX/year>, I was able to speak to a E*Trade associate and she cleared the problem and reestablished my account. The payment for XXXX XXXX XXXX {$1100.00} ) was rejected for payment by Morgan Stanley Bank and a Defense Finance Accounting Services deposit ( {$670.00} ) was rejected. The associates told me that some account features were temporarily disabled, but in reality, I was unable to receive or send money from the checking account. 
Because all this mess, XXXX XXXX interests bill increased from : {$430.00}, to : {$540.00}, and my principal payment decreased from : {$660.00}, to : {$550.00}. 
The XXXX XXXX XXXX XXXX direct deposit was rejected on XX/XX/year>, by Morgan Stanley Bank and was not recovered until XX/XX/year>, by XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and Transunion the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS ACCOUNT ..... 
XXXX ACCT # XXXX I ATTACHED 1099C, CREDIT REPORTING FROM XXXX AND TRANSUNION
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : # XXXX, XXXX 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 XXXXXXXX, has violated my rights.
Product: Debt collection

I noticed a collection notice from ERC on behalf of XXXX XXXX XXXX for {$2900.00}, this is incorrect and I would like it disputed. I disputed the same issues with another company in the past and it was removed. ERC has not been helpful in removing this or verifying any details to prove that I owe this debt.
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, 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: Vehicle loan or lease

I was trading in this car a XXXX XXXX XXXX .. Last minute the deal fell through I made the payment on day 29 but there was a late fee that made me go 30 days over its been years I've shown financial responsibility can this please go.off my record
Product: Debt collection

I received a notice from a debt collector dated XX/XX/2021 from Midland Credit Management attempting to collect a alleged debt. I sent a notarized letter dated XX/XX/2021 disputing the debt pursuant to 15 USC 1692g ( b ) which states the debt collector shall cease collection of the debt while it is being disputed until the debt collector obtains verification. On the XX/XX/2021, Midland Credit Management violated my consumer rights by reporting the account in dispute, to the 3 major credit reporting agencies XXXX XXXX and XXXX Also this account was previously deleted already through a dispute process.
Product: Credit reporting or other personal consumer reports

I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is BLUE STREAK COURIERS, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute.

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right.

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.
Product: Debt collection

Issue is identity theft allowed by apartment, and fraud allowed by apartment and utility company. They have a business relationship and neither party has attempted to rectify the situation. Both parties knowingly allowed me to be charged electricity that i did not utilize even after proof was provided. 

If tenant had moved in with utilities set up, i would have never been charged. Apartment is lying, and utility company has allowed it. They could reimburse me and obtain the outstanding debt to the occupying tenant that it belongs to. Apartment has refused to send me their information. 

XX/XX/XXXX was the month i moved out of this apartment. I had to set up utilities with my lease term in the beginning, and I was not allowed to get keys until this had been done. 

When I moved out, the new tenant used my account to set up utilities. The utility company claims it is impossible for the same address to be on two account numbers, and this tenant used my account number knowingly and the apartment never verified their account was set up. 

This violates their move in policy with the apartment complex, and XXXX confirms this by stating the account was never set up in their name. 

I was ultimately charged on auto pay for several months, resulting in thousands of dollars until XX/XX/XXXX when I realized the {$500.00} bill being taken out. 

I called the utility company and apartment complex to try and resolve situation, and be reimbursed for the money. I was given no help on either side, and the utility company sent the following month of utility bills to collections without notifying me or calling about the debt. I had no idea until it reported to my credit report as a collection. 

Now, I have suffered thousands in damages and can not refinance my mortgage any longer. I tried disputing the charges with the credit bureau but because it is my name on the account, they say it belongs to me.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Payday loan, title loan, or personal loan

I have a home-equity line of credit with Vectra Bank XXXX For the past two and a half years, I have been making regular payments with them and have no missed any payments. 

This year, they suddenly stopped accepting my checks. I would love to pay them, but they are not accepting my checks. Instead, they are calling me -- nearly daily -- asking for me to pay them over the phone, which incurs an additional fee. 

I have asked them to set me up on their website ; they refuse. They tell me I need various account information. I can't give it to them because they have NEVER sent me an account statement in two and a half years of having a loan with them. 

Basically, then, they're refusing my payments, they're not sending me billing statements, they're not allowing me to access my account, and they're trying to charge me more to pay over the phone. 

I've had it with them and their constant harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a couple charge off thats are negatively reporting every month like a payment history on each of my credit report. They have not fixed the issue on my credit report. Its an XXXX XXXX that has charged off XX/XX/XXXX but is showing past due as of XX/XX/XXXX of {$540.00}. I sent in letters and disputed on the online account and nothing has happened. A couple others the same exact thing. XXXX XXXX XXXX same thing reporting as charge off every month as of XX/XX/XXXX in the amount of XXXX and XXXX XXXX same thing as of XX/XX/XXXX they are reporting every month as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilized small loan service XXXX to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. XXXX assigned the loan to Monterey Financial Services. Monterey Financial Services applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?
Product: Debt collection

I called to pay an old debt on XX/XX/XXXX from an old bill I found from XXXX. I was unaware it was in collections and paid it through the company in which I owed, which was XXXX. I paid the debt on XX/XX/XXXX over the phone. I received an alert on XX/XX/XXXX that an XXXX makes Harris and Harris submitted an unpaid collection in the amount of XXXX for XXXX which I had already paid
Product: Credit reporting or other personal consumer reports

These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not a charge off I'm requesting these are removed because it's not debt. This is considered income and income should not be reported on your 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I called my bank, Truist as all 4 of my checking accounts were overdrawn by {$2700.00} each. When I talked to them they said it was a legal/government order. They wouldnt not rectify and said to call the number but couldnt give more details. They wont reimburse me either as I said the number sounded fake and I had no mail from the company withdrawing my account. 

Legal -Garnishment Processing from acct Legal Dept who is forcing to get money from acct Transactions are charges XXXX XXXX XXXX XXXX XXXX 
Government order??? 
Exemption number Ask for an exception
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX, XXXX Original Creditor Name XXXX XXXXXXXX XXXX Balance {$5300.00} ; XXXX XXXX Original Creditor Name XXXX XXXX  Balance {$76.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$280.00}.