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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoken with a representative from capital one credit card company about seeing XXXX hard pulls from there company on my XXXX, XXXX, and XXXX credit report I have two accounts with this company I wasnt made aware that these was hard inquiry Pulls dates XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX. Why was my credit pulled twice in XXXX for one card which I dont recall the representative telling me it was a hard pull.
Product: Debt collection

On XX/XX/XXXX, I received a notification that SYNCB/TJX CO D was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and I did not receive a notice from SYNCB/TJX CO DC that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted WITHIN 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified in writing as per the law. My credit is extremely important to me and I would like this account removed from my credit reports immediately.
Product: Debt collection

To begin with the account with original Creditor  XXXX XXXX  was a fraud,,, I ended up paying the account off paid to delete in XX/XX/XXXX and they deleted as agreed. On XX/XX/XXXX they reported to Credit bureaus again. i called Williams & fudge inc ask for letter of debt validation the representative respond that they no longer work with original creditor and gave me a phone number XXXX went to voice mail looks very unprofessional.
Product: Debt collection

Merchants credit guide company sent me mail stating I have debt from XXXX XXXX immediate care. Debt of {$400.00} is owed which is false. I have emails and text proof from the hospital stating I only owe {$250.00}. Im confused as to how I have been getting one notification a month from them stating the same amount is due. Yet somehow all of a sudden your company is claiming I owe {$400.00}. I can not afford to pay right now I have quit my job from being harassed by my boss and will pay when I am able and have a new job. I do not appreciate constantly receiving phone calls from multiple different numbers ( maybe 4/5 ) per day, as well as mail. Stop trying to scam me for more money. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian disregarded my disputes and accused me of using a third repair credit agency. I feel totally violated and something must be done.
Product: Mortgage

My mortgage was transferred to " Nationstar Mortgage LLC d/b/a Mr. Cooper '' for loan servicing on XX/XX/XXXX from XXXX XXXX ( though i was notified in XXXX and the due date on the mortgage remained XX/XX/XXXX ). 

When paying the mortgage the first time on line with " Mr Cooper, '' two mortgage payments were applied rather than one. There is not an explanation about why two payments were made, only that it was a glitch. I am able to cover the additional payment, but have a concern with a loan servicer whose system, so far, has deducted double payments 100 % of the time.
Product: Checking or savings account

I recently learned that someone opened a savings and checking account in my name, along with a credit card. I only found out when I got an email from Square XXXX  congratulating me on my new account. A subsequent email indicated that my email address was being changed to another email address - and that I should contact them if I didn't make this request. I contacted them as soon as I saw the email to stop the account and report it as fraudulent. Square XXXX  never checked with the XXXX credit agencies, all of which have a freeze in place. I filed a police report, and then a complaint with the Better Business Bureau. The response from XXXX ( through XXXX  ) is that they can not talk to me directly ; they can only speak to law enforcement. This is insane. I have tried twice now to get them to explain to me what happened and they are refusing. Something is not right here and I need to find out what it is so it doesn't happen to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX XXXX XXXX It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit XXXX XXXX  that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX XXXX. I have no extra money to pay the difference is XXXX XXXX Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is XXXX XXXX XXXX I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.
Product: Debt collection

XXXX in my mailbox that um not aware of they keep calling also also need it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems has placed an account on my credit report without my permission. Also, I don't have an account with them. They violating 15 U.S.C. 1692c ( c ), and trying to collect on a charged off debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXXBalance {$0.00} XXXX  XXXXBalance {$430.00} XXXX XXXX XXXXBalance {$720.00}
Product: Vehicle loan or lease

Capital One Auto Finance claims that I owe them money for a car loan that I never applied for. I have disputed this issue several times. I also asked them to send me verification of this debt. I have not received anything. The address they have on file is not my address. I have never lived at the address they claim to have.
Product: Credit card or prepaid card

I disputed several time this account with credit bureaus. I send a FTC report notarized and they came verified. This account is fraud, this isn't mine.
Product: Credit card

Company needs to update " financial income standards by instead of asking for a number for income -- a question that asks if the end user has an annual income / salary rate
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up this fraudulent account in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete this account IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the information to be shared and or reported to ChexSystems and since this falls into the category Identity theft per 17 CFR 248.201 ( 9 ) as the consumer account was opened without my knowledge or consent I want all reports wiped off this fraudulently opened consumer account
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX/XXXX/2017 Attempted to obtain Equifax Free Credit Report online due to inaccurate information. Equifax has consumer fill out online form but nowhere on form does it specify reason for obtaining " free credit report '' ( e.g. inaccurate information ). When you get ready to get online report the website states " free credit report not available online '' ; then in other areas Equifax tells consumer the free report is available online. 
This is a tremendous disservice to the consumer who is trying to get the free credit report either annually or for those with a reason ( inaccurate information, unemployment, etc. ). In my opinion it serves as a way to dissuade the consumer from getting their report. 
After all the problems EQUIFAX has had that has done damage to the consumer you would think they would go above & beyond to serve the consumer. They should be put out of business if they ca n't do what they are supposed to do as this is negatively affecting the consumer.
Product: Credit reporting or other personal consumer reports

The referenced Agency violated the laws of the Fair Debt Collection Act. They are inaccurately reporting to my consumer report and violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. PLEASE REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES ASAP. 

XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

Hello, here is the email that they sent and this has already being disputed to identity theft. They are harressment with more XXXX. XXXX knows that I'm faithful and don't need this XXXX. 


McCarthy, Burgess & Wolff , Inc. ( MBW ) is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our office hours are Monday through Thursday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXXXXX and Friday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXEST. 


Our information shows : XXXX XXXX referred account number XXXX to our office for collections. 
MBWs internal reference number for this matter is XXXX. 


The balance as of XX/XX/2023, was : {$1800.00} Since XX/XX/2023 until today : Interest, Fees, Costs : {$.00} Payments Made : {$.00} Credits/Adjustments Assessed : {$.00} Total amount of the debt today : {$1800.00} NOTICE : PLEASE SEE BELOW FOR IMPORTANT CONSUMER RIGHTS INFORMATION. 

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

I am a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are all fraudulent and do not belong to me : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX. I been receiving phone calls at my home and employer of profane and vulgar language, abuse, legal action, job loss, jail, prison, threats of violence and death from the above creditors debt collection representatives. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.
Product: Credit reporting or other personal consumer reports

Dispute letters were sent to both XXXX and Experian regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent XXXX dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part.

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by XXXX and Experian are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe XXXX is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Product: Credit reporting or other personal consumer reports

From XXXX of XXXX through XXXX of XXXX I disputed several accounts, inquiries and inaccurate information on my credit reports from XXXX, XXXX and experian. They did not send any references of the information I requested such as documentation indicating the said companies had agreements with me. The responses came back in less than 30 days that the information was accurate with no details and stayed on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.
Product: Credit card or prepaid card

When I 1st got my card I was told that my credit would be evaluated for an increase. It does not guarantee that my credit would be increased but it would be reviewed for consideration. I have received letters date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with a denial. I previously found a complaint and in the complaint response that I received from capital one they mentioned the SCRA that is for military that had nothing to do with the complaint that I made about what they were doing. 
Capital one is illegally denying me a credit line increase because they are not reviewing my credit report. On the most recent one they say that I have a consumer alert which is preventing them from reviewing my credit report. However if somebody would call me to identify me the same way that they had to do when I applied for this credit card as well as when I applied for the credit card that i was approved for in XXXX. They had to verify my identity because of the fact that I've gone through identity theft. I called tonight and I spoke to XXXX who refused to help me. And then I spoke to XXXX who basically interrupted me and stated that capital one does not make any contact with anyone when they're viewing credit which is false. 
I am now just making a complaint because somebody needs to know what they're illegally doing. You can not tell me that I have a consumer alert is preventing you from accessing my credit but you're not reaching out to me to resolve it. Because if you can do it when I initially get credit then you can do it now. That's again in direct violation of Reg Z, you must tell the truth and they're lying. This is unfairness and it feels like racism.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went to a dealership to purchase a car and when my credit was pulled there was a fraud alert on my credit file that I didnt place, and they specifically left phone numbers to contact prior to opening any new credit accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint about fraudulent items on my TransUnion credit report. These items are the result of identity theft stemming from the XXXX data breach. Despite providing proof of my identity theft and filing a police report, TransUnion has not removed the fraudulent information from my credit report. 

Under 15 U.S.C. 1681c-2 ( a ), I am entitled to request that fraudulent information be blocked from my credit file after submitting a police report. I have already submitted the necessary documentation to TransUnion but have not seen any corrective action. 

XXXXXXXX XXXX Balance - {$17000.00} Date Opened - XX/XX/XXXX XXXX XXXX - {$5400.00} Date Opened - XX/XX/XXXX XXXX XXXX - {$4900.00} Date Opened - XX/XX/XXXX XXXX XXXX - {$4600.00} Date Opened - XX/XX/XXXX XXXX XXXX Balance - {$35000.00} Date Opened - XX/XX/XXXX