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

I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ Transunion ] I did not authorize this inquiry, nor did I provide written consent for [ Flex ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting

on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX REMOVED.
Product: Credit reporting or other personal consumer reports

I sent off certified letter On XX/XX/year> to the reporting dept collector Caine and Weiner asking for validation on acct XXXX also acct XXXX that competent evidence bearing my signature showing that have ever had some contractual obligation to pay Caine and Weiner that reporting one account two different times with two different account balances.The original creditor Progressive XXXX agency reported this as account as charge off and also written off. I never received a 1099-C form which is Cancellation of Dept or was notified this dept was beeping sold off multiple times. Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also 15 USC 1692e False or Misleading Representation and Section 623b Violations of the Fair Credit Reporting Act also section 807-8 Violation of the Fair Debt Collection Practices Act. I ask these two accounts be removed immediately
Product: Mortgage

I have fallen behind on my Mortgage twice in the past year, I was allowed to catch it up with Bi-weekly payments earlier this year. I fell behind again and attempted to do it again and have been refused to submit bi-weekly partial payments this time. I asked for a deferment and was told they do it, but do n't like to. I asked about it again today and they by-passed the question and told me, I had no option other that a full payment.. this was told to me by XXXX a supervisor with 21st Mortgage. at XXXX XXXX XXXX/XXXX/15
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft.peak acceptance Account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX. I also have inquiries that isnt mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX some accounts are more then XXXX XXXX XXXX. 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX ( XXXX XXXX XXXX XXXX XXXX require the XXXX credit bureaus to validate these accounts ( XXXX  ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-2012 Not my account Fraud account identity theft
Product: Debt collection

I recieved a notice from VA DMV advising that my tag renewal was frozen. I had never recieved notices from this company that I owed any tolls. I attempted to contact this company once i recieved notice from the dmv. This company without proper notice turned my account in to a collection agency, I had moved and notified the dmv of my new address, according to these people instead of checking the recent dmv records, they opted to send these so called notices to an old address. Then they attempted to extort XXXX in fees. Their collection agency attempted to bully twist facts, and outright lie, by telling me that it was a law that i purchase and use an ezpass, and then they were verbally abusive, spoke over me, and try to pursuade me that i was breaking the law. They are attempting to extort, and steal from drivers during a pandemic when no one is working, wth no remorse, no compassion, their collection practices should be investigated as no other toll company in virginia is doing this. I have reported them to the consumer board of financial protection, and the Federal Trade commission, I am not negotiating with these dishonest freeloading theives. The employees of this company made several false statements, and attempted to engage in fear tactics. Not carrying or purchasing an ezpass is NOT A CRIME, and a toll violation is NOT CRIMINAL.
Product: Debt collection

I received call at XXXX XXXX which is outside of the allowed time frame. I do not appreciate companies that violate this rule. 
I have a voicemail proof of their call as well.
Product: Credit reporting or other personal consumer reports

XXXXLetter mailed to company and no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Account # XXXX ) is reported inaccurately on my credit report across all three major bureaus : Equifax XXXX XXXX XXXX and XXXX XXXX The information reported does not comply with FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, and shows multiple discrepancies : - Inconsistent Dates : Dates such as 'Date Opened, ' 'Date of Last Activity, ' and 'Date Reported ' do not align across credit bureaus and contain gaps that suggest inaccuracies. 

- Account Status Inaccuracies : Although the balance is {$0.00}, the account is still reflected with late statuses like 'Late 60 Days ' and 'Late 90 Days, ' which do not correspond to the accounts final status.

- Failure to Provide Verified Documentation : I have requested verification of these data fields, but XXXX XXXX has not provided documented proof of accuracy or compliance with regulatory reporting standards. 

This inaccurate reporting has unfairly impacted my creditworthiness, and I request either verified documentation of compliance or immediate deletion of the account from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently pulled out my credit report, and i noticed several derogatory accounts that i never applied for, and they don't belong to me. Therefore, im requesting the removal of these accounts from my credit cause they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I try to send money with my credit card and someone told me not to send money. It is fraud or scam. I had a fight with the BMO bank XXXX.
Product: Credit reporting or other personal consumer reports

Remove all negative items information is not accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit card

Chase credit card Account number XXXX was held in the names of XXXX and XXXX XXXX. XXXX XXXX passed away on XXXX. The credit card account was closed. 
XXXX XXXX changed Homeowners insurance from XXXX to XXXX XXXX and a credit balance of {$2200.00} went to the closed Chase account. Numerous calls ere made to the estate team at XXXX to have the credit balance sent to XXXX XXXX. We were initially told that we would have to wait 90 days. After 90 days, still nothing. We called again and were told to send in a letter requesting the credit balance to be sent to XXXX XXXX at the address on record, XXXX XXXX XXXX, XXXX XXXX XXXX. We were told we would have to wait an additional 30 days. 30 days have gone by, still nothing. We called 10 days ago and they said the check was released and we should receive it in 3 to 5 days. The time has gone by, still nothing. Chase has held our credit balance of {$2200.00} for nearly 5 months. We want it immediately sent to XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX was a named person on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting on my file and was found in my reports with TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency is not complying with federal law in regard to identity theft. Additionally, Transunion has not provided me with any evidence of an open contract signed contract or any valid proof this was opened, authorized or created by me. 
Since this is a strict violation of FCRA laws I need the account removed from my file. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Westlake balance not reporting incorrectly on my XXXX XXXX, XXXX, and XXXX  ; balance XXXX. XX/XX/2020 payment sent to Westlake.Also, monthly interest is not reporting right ; I would like to get these interest calculation fix. Also, need Westlake to remove the loan account from adverse with XXXX XXXX file. This account has not been 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, bankruptcy, discharge, foreclosure, repossession, tax lien wage garnishment, or write off. I spoke with XXXX XXXX, XXXX, and XXXX, the supervisor on XX/XX/2020, and the account is still reporting inaccurate information on XXXX XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Improper Reporting and Denial of Payment on XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding my XXXX XXXX ( XXXX ) account due to their improper handling of my payments and reporting to credit bureaus, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, my XXXX account fell behind with a couple of late payments. Starting in XX/XX/XXXX, I made numerous attempts to bring the account current and pay the overdue balance in full. However, XXXX consistently refused to accept my payments or provide me with any information about my account. They claimed that the account was not under my authority to address and alleged that a third-party entity, XXXX XXXX, held power of attorney over the account and needed to release it for me to make payments. 

This claim is false. XXXX XXXX never had power of attorney over my account, nor did I authorize such an arrangement. ( Ive included the forms which a consumer has to fill out for that to ver even be the case and ive never filled those forms or submitted them to XXXX. This is account is fraudulent due to these remarks. 

Granting power of attorney requires the submission of specific forms, which I never completed. From XX/XX/XXXX to XX/XX/XXXX, despite repeated efforts, I was denied the opportunity to make payments on my account. This refusal caused additional late payments to accrue, negatively impacting my credit report. XXXX ultimately charged off the account, adding misrepresented balances and interest that should not have been applied. 

In XX/XX/XXXX, I obtained documentation from XXXX XXXX confirming that they did not and never had power of attorney over my account. I submitted this proof to the CFPB, which led to XXXX acknowledging, after several months of refusal, that I could now make payments on the charged-off account. 

XXXX conduct is a clear violation of my rights under the FCRA and other consumer protection laws. Their refusal to accept payments from XX/XX/XXXX to XX/XX/XXXX, despite my ongoing efforts, resulted in unwarranted negative reporting to credit bureaus, including late payments, a charge-off, and additional fees. 

To support my claims, I have enclosed : XXXX. Phone records documenting my repeated attempts to contact XXXX during the dispute period. 
XXXX. Emails from XXXX XXXX confirming that they never had power of attorney over my account. 
XXXX. Prior narrative correspondence submitted to the CFPB, which XXXX previously denied. 

I respectfully request the complete removal of all negative reporting associated with this account from my credit reports. XXXX refusal to accept payments directly caused these inaccuracies, and I believe the account should be fully removed from the credit bureaus due to their mishandling of the situation. 

Thank you for your assistance in resolving this matter. 

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

XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with cXXXX XXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX of Credit Reporting. Over two months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate items on my credit report came back as " verified ''. The items are incorrect and there is no way that if an investigation actually occurred that the incorrect items would be " verified ''. I've attached a document that I have mailed to the CRA via certified mail, asking for detailed PROOF of their investigation and demanding that the inaccurate accounts be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have added a credit freeze on my report since XXXX XXXX. I was a victim of a robbery in XXXX and XXXX. My social security number was also exposed through XXXX trans union breach and XXXX information breach.. I am still getting letters in the mail for credit getting denied for things I have not applied for. I still have over 22 credit inquiries on my report from the XXXX and current. I was told I needed to send a copy of my ID, and ssn, and bill. I did that last time the lost it. I want all inquiries removed from XXXX, all the way through XXXX. Also they even have a address that is incorrect and the information on all 3 reporting agencieshave different incorrect information.Their should be no credit report. No car no credit cards no loans. Why I am I still getting credit inquiries with a freeze on my report. I also want to be compensated for there mess up
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The following inquiries were NOT authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Back when XXXX first hit in 2020 I had missed a payment of {$350.00} in XXXX. The company I worked for had cut everyones hours in half and I struggled to pay my bills on time. I have since payed off entire loan and otherwise have great payment history. I reached out to BERKSHIRE Bank to request missed payment forgiveness and even provided proof of my hours being cut. They said they do not have to forgive missed payment. Now its a few years later but its still on my credit and I have learned they the federal government had left it up to lenders to do the right thing. Unfortunately birkshire bank did not.
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} The following list below are Hard hits that negatively impacts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX