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

I disputed the acct for XXXX XXXX ( acct # XXXX ) as it should be removed totally from my credit report, as it was a written agreement-as a paid for deletion account. Equifax did the investigation and on XX/XX/XXXX, XXXX They stated that they have deleted the acct ( XXXX XXXX ) from my credit report, which would have been the correct action. which I have enclosed. Then they do another investigation on XX/XX/XXXX, XXXX for the same acct- leaving it on my credit report, which is incorrect. I would like this matter to be resolved and the account ( XXXX XXXX ) deleted altogether from my credit report. Thank you in advance for your assistance regarding this urgent matter. 

I also submitted a letter from XXXX XXXX that the account should be deleted from my credit report as the account has been resolved. Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 with my written instructions
Product: Credit card

I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine I cant not get in touch or know how to get in touch with this company because of my learning XXXX and XXXX. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a CC with XXXX that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct.

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
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. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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.

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 items of information, other than records or 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, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$370.00}
Product: Bank account or service

On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.
Product: Debt collection

Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.
Product: Credit reporting or other personal consumer reports

Discover Lies about consumers and I will post their message below. Discover card opened two credit cards FRAUDULENTLY. This is application fraud. Discover blatantly ignored and disregarded my extended fraud victim statements on my credit files and instead reviewed public sources or so they say. Discover says they verified XXXX verified to me by my credit file but its funny because thats not on my credit file and never has been. Discover did not have my permission to pull these applications nor approve them for these cards. I have submitted a LEGAL identity theft affidavit which shows XXXX, and XXXX XXXX XXXX which Discover advised they sent the card to. They said XXXX called in and submitted a separate complaint which I never have and Im not sure whose phone number that is. Its not on any of my public records or credit files. Discovers inquiries are disputed and blocked from my credit files. Discover did not receive my authorization to open any accounts. I did not sign any applications and I did not respond to any texts. As stated DISCOVER CALLED THIS NUMBER WHO AN IDENTITY THIEF OWNS. Has owned and Discover again falsely accuses me saying they verified the phone number. Yet thats not my phone number and never has been. The email address they provided is not my email address and I did not ever register that email address. I did not accept their terms of conditions and I did not make payments on these accounts either. All payments made were from fraudulent checking and savings accounts which if they actually verified are closed as identity theft. Yet they didnt verify that. I am not responsible for these two credit cards they sent to someone else. I did not apply. I did not approve. They didnt clear my fraud victim statements and I did not receive a card nor statement ever. I want Discover to provide evidence that I APPROVED THE APPLICATIONS. I do not take responsibility and these accounts are fraud. You have legal obligation under the FCRA to conduct an actual investigation instead of just falsely accusing the customer. I do not take the answer of you verified to public sources when none of the information you provided verifies to me. All the information on the applications are and were fraud and I did not make charges to either account nor did I receive either cards again this is identity theft and Discover is responsible. Additionally Discover changed these two accounts to my address I currently reside at just last week without my permission. I do not accept you placing my address on fraudulent accounts and without me asking for such you do not have permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to verify this amount and debt. I have received no such responses. I have contacted both the creditor directly as well as TransUnion regarding the dispute. 

This balance is showing delinquent when its not. The creditor was in violation of XXXX housing laws and failed to provide safe and sanitary housing.
Product: Credit card

i took a balance transfer service from Chase Bank on my credit card. they charged me XXXX for XXXX for XXXX months. 
i called up and asked when is my balance transfer period ending. 
i was advised that XXXX will be my ending month and that i should return the money before the billing period expiry. 
i did make the payment but i was charged {$200.00} fee for interest charges. 
i called up to dispute and they did not help me with that. 
i closed the account. but now they are still charging me interest and late fee on the earlier applied interest. 
request you to please help me with this issue and this is causing me unnecessary harassment. 
i do not like to be in debt and this is like unwillingly pulling me in that. 
i have attached the account statement for reference. it is very clear that i made the payment well before the statement generation and they still charged me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just noticed that my credit fell from  XXXX  down to  XXXX  because  XXXX   XXXX   XXXX  made a hard inquiry or the inquiry was removed.  Either  action was done without my consent, and I am being penalized my Equifax  Credit Reporting Agency for this action. The action was done   XXXX   XXXX ,  2017. Credit Reporting Agency  has continue to penalize my Credit score frequently for actions that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$96000.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was overseas for a good number of years in the republic of XXXX XXXX for work. 

During that time someone used my social security number to open multiple trade and credit accounts in my name, including XXXX XXXX XXXX/LVNC Funding LLC/Resurgent Capital Services . 

The last time I was out of the country for 3 years and 8 months. During that time the aforementioned company executed a summary judgement against me in XXXX XXXX XXXX XXXX and were illegally granted the sum of {$900.00} plus dollars. 

The company was informed that this debt is not mine, the lawyers that represented this company will not return phone calls, they have a judgement entry in XXXX XXXX and used a spreadsheet with hundreds of other individuals name on it to state it was my debt. 

When I contact XXXX XXXXXXXX XXXX they said they would research it and get back to me, this did not happen after 120 days. 

I tried to contact the debt collection company- they are acting in bad faith and none of them have said how they intend on reversing the illegal judgement that they were granted by the court. 

I am attaching proof of my identity theft including from identity theft.gov, the XXXX Ohio police department and whatever other proof I can deliver. 

This company has knowingly acted with ill regard for the law and has harmed me. They are in violation of the laws in the state of Ohio. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX it is egregious that a company would be allowed to continue in operation and should be fined by the United States of America and the states respectively that they operate in.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified XXXX, submitting my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being. I've noticed that XXXX shows an account balance of {$20000.00}, along with a credit acceptance account marked as collection/charge-off. This information was included in my identity theft report. I strongly urge XXXX, Equifax, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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. 

With that being said, why hasn't Transunion and XXXX XXXX XXXX XXXX removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on Transunion and XXXX XXXX XXXX agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.
Product: Debt collection

Portfolio Recovery are reporting two outdated accounts on my credit. I called Portfolio and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with Portfolio for a year now and they are still violating the Laws of the FCRA
Product: Checking or savings account

I have american express rewards checking account. I scheduled an outgoing transfer from my american express rewards checking account to my ally savings account on XXXX XX/XX/2023. When i tried to confirm this transfer, American express customer service is clueless whether this transfer is happening or not? 
I told them multiple times but customer service of no help at the first place. On top of it, when i tried to cancel that transfer - I can't do that. 
Fundamentally American express is wrong that even a basic outgoing transfer is not happening. Then somebody called and talked to my spouse and making all sort of excuses like it depends on other institution. My spouse told that it was started from this american express so tell what is happening and they have no idea. 
This is the second time this is happening to me with this american express checking account. 
CFPB should not just act like mere mail forwarder and toothless agency. 

Ban American express from running any banking. They can only do credit cards and nothing else.
Product: Debt collection

This is a company called Driver Solutions Inc. They are a company that sponsors XXXX students to get loans to complete XXXX XXXX. 

I was making payments on my loan while I was working. I no longer have a job and I am struggling to keep a roof over my head and food on the table. They have been made aware that I do not have employment and I can not afford to make payments. 

They still want a loan payment no matter what. 

Part of the reason that I can not get a job is that the first company I drove for called XXXX XXXX won't answer the phone for prospective employers to verify that I worked there. XXXX XXXX is the company that linked me to Driver Solutions. Thus leaving me without a job and harassing phone calls. 

They repeatedly call me ALL DAY LONG. They leave voice-mail after voice-mail after voice-mail... .and now They have started calling the emergency contact numbers from my file. So not only are they calling me multiple times a day but now they are calling my emergency contacts multiple times a day. 

My emergency contacts are listed in case of AN EMERGENCY. I've gotten several panic phone calls with people wanting to know if I am ok because these people keep calling them. 

This is harassment for money. It's stressful enough not knowing where my next meal is coming from but now this company harassing me about money I can't give them. I can't give them money because I can't get a driving job due to their co-company not answering the phone.