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

I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX XXXX XXXX MD XXXX The following information is incorrect XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXX, MD XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX
Product: Debt collection

XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, and XXXX credit reporting bureaus incorrectly reported US of The Treasury Account as Delinquent. When XXXX Reinvestigation results shows Not Currently Reporting.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting

a company did XXXX credit inq on me with the help of cfpb this company agreed to have these inq removed of my credit and i did an online they are refusing to delete these inq XXXX of them there are also issue with them no updating my score when they have to
Product: Vehicle loan or lease

To Whom It May Concern : I have yet another problem I am submitting to you in reference to 5th and 3rd Bank. They are continuing to cause problems for me pertaining to my XXXX  XXXX XXXX XXXX XXXX. I have made my payments on time since last year of XXXX, with the most recent payment made and cleared on XX/XX/2022, please see attached screen shot of my XXXX XXXX  Account, transaction circled in Red showing the payment has been made.

However, I received an email today from 5th 3rd Bank stating my account needs immediate attention. I called the customer service number, such that the representative communicated a payment has not been made and that I owe XXXX $ She asked if I had made a payment. 

I replied, I made a payment and it cleared my XXXX Bank Account on XX/XX/XXXX. 

The rep communicated that the payment was applied to the principle and not to the car payment. Additionally, she asked me if I select principle. 

I replied with extreme stress, I do not know what you are talking about. I made my payments on time all the time doing the same steps as always in the portal making my car payments. 

I am very stressed and angry at the 5th 3rd banking operations as they seem to change constantly. Either log in operations change or now payment operations change. 

I can not by any means afford to make a XXXX payment. They need to apply my car payments to the car payments and NOT complicate matters by asking questions with respect to how a payment is applied. I do not understand, its a car payment, not rocket science, as it should be simple, such as the following steps : 1. ) Log into Account/Portal 2. ) Select Amount to be paid, which I always select XXXX 3. ) Select Payment type.

4. ) Apply payment and submit.

How hard is it to have 5th 3rd bank comply with making a simple auto payment. I never in my life experienced such problems with a bank institution before. 

They need to apply my Car Payments to the Car Payment, and, not cloud matters that are un related.

The rep offered no solution, expect to ask me to make additional payment, which is unacceptable.

5TH AND 3RD BANK IS TO DO THE FOLLOWING : 1. ) APPLY THE PAYMENT ALL PAYMENTS ALL FUTURE PAYMENT TO THE CAR PAYMENT AND NOTHING ELSE.

2. ) CORRECT AND UPDATE MY CREDIT REPORT 3. ) REMOVE ALL ADDITIONAL FEES.
Product: Credit reporting or other personal consumer reports

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Target reported a fraudulent address and phone number to XXXX Credit Bureau. 
They told me to also file with you so there is a record of the issue/complaint. Target has frozen the account until proper documentation is received. I have elected to let them close the account for these security issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian & XXXX Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. Experian is also showing a debt to some debt collector agency neither Experian nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is now with a third party collection agency. The debt collector account is reported on my credit report wrongfully, as well as the original creditor. There are inaccuracies such as the balance, and dates of opening the account, closing account, etc. In addition, this account is reporting twice on my credit report, which is similar to " double jeopardy '' in this case. That is a direct violation of the FCRA.
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 XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I have filed online a request for annual credit report. I went thru all the steps and at the end I did not get the report. Their system hang and that was it. I did not get my report. 
Now, this company make impossible to contact them. 
I did call and they never pick up the phone. Automated system ask endless question and it is impossible to get a person on the phone. 
In the end I don't have my credit report. This was about XXXX to XXXX days ago, which would make a XX/XX/XXXX, 2021 The company hides behind their automated system and it is not possible to get in touch with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX never belonged to me
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

Third party debt collection company harassing and attempting to collect a debt that does not belong to them and is not owed. Misleading and inaccurate reporting is preventing me from current job employment.
Product: Debt collection

I would like to advise you of a debt collection scam being run by the " XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. '' I will hereafter refer to them as XXXX I received a " Summons and Complaint '' in the mail and it looked like I was being sued. I am attaching a copy. 

I also received communications from the debt collector asking me to call up a " non-attorney debt collector. '' Naturally, I tried to file an answer to my complaint with the XXXX XXXX XXXX, where I was being sued. Imagine my surprise to find out, despite all indications to the contrary, that I was not actually being sued. 

Let me explain. Lawyers must file multiple forms to initiate a suit. One of these is an " XXXX '' or " Request for Judicial Intervention '' which then causes the case to go to court. 

XXXX filed the forms necessary to create an index number, which makes it look on the county website as if I am being sued, however, the suit has no judge assigned because they didn't file all the necessary paperwork. They just filed enough paperwork to invoke fear. 

So they have given the impression that they are suing me, but they are not. The kicker is if I want to file a counterclaim or have their suit dismissed, I would have to pay to do so. The amount is quite a lot of money, and quite time-consuming. 

My guess is this is done on purpose. They give the alleged debtor the fear of being sued, but are not open to any downside. Because in a suit, I can claim FDCPA violations and damages on my side. 

I would wonder if I had not filed an answer they would possibly have filed an RJI to force a default judgment. 

This is shameful behavior, and what's worse is they keep trying to get me to talk to non-attorneys. The numbers listed on their correspondence do not work or funnel me to voicemail, and I had to go through some hoops to get a person. 

I'd ask the CFPB to come down hard on them. This is not acceptable behavior. I have disputed the debt, and have the right not to be lied to, or referred to a " non-attorney debt collector '' representing the fact that they are part of some kind of legal proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX I went on the site XXXX to get my free credit repot. It asked random question to see what type of loans I may apply for in the future I clicked mortgage but I didn't know it would trigger massive banks to contact me. ( I called numerous times via telephone. I told the aggressive sales/loan associate XXXX ( quicken loans ) DO NOT RUN MY CREDIT on a recorded line on XX/XX/2019 at XXXX XXXX ). I answered the phone it was XXXX from quicken loans. He was very aggressive my score was XXXX he was very pushy I told him I can not talk at this present moment he said I just want to verify its you I told him I DO NOT want my credit pulled. I don't want any hard inquiries.. I also told him I can not talk right now because I was busy. He was Very pushy .... He said ok " I just want to verify it is you '' He Said what is your SSN I only want to verify its you. I gave him my SSN not knowing he was going to pull my credit. I hung up because I was working. 2 minutes later he ran my credit I called back and I asked him why did you do that. He said your credit is great we got great rates for you. I told him Im not interested. He said can we talk later..I immediately on that day wrote a letter to quicken loan and they replied and said they will not remove the inquiry. I wrote them again on XX/XX/2019 set it certified mail. Thy said they will not remove the inquiry and I just wrote them a 3rd letter on XX/XX/2019 they called me and told me they will not remove the inquiry. I only want them to remove the inquiry because I told XXXX not to run my credit in the first place. The Creditor is { XXXX / QUICKEN LOANS, } XXXX XXXX XXXX XXXX, MI XXXX that I'm having the problem with. Please advise me or help me resolve this issue XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX  XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well thank you.
Product: Mortgage

bank of america lied to us about doing a home loan modification .we were told at the very begining of the process that our interest rate would be lowered.and it would save us money each month.but actually what they done was add 20 more years to a mortgage the we owed 20 years on so this put us owing 40 years total and only saved us about XXXX dollars a month .they told us we had to sign the paperwork or they would foreclose on the house.during the process they told not to make a house payment until we was approved .so afterwards now we are 4 months behind i kept telling them if this was going to add years to our mortgage i didnt want it but they insisted they would lower our interest rate they lied to us and forced us to sign or said they would start foreclosure procedures on us.this is so ridicous who would ever do a home loan modificatin to save XXXX dollars a month to add 20 years to their mortgage .i looked it uo and online alot of people are complaining about bank of america home loan program .im also contacting the attorney general here in tennessee and filed a complaint with the XXXX.we also will be seeking a attorney on this matter.its not fair to lie to someone like that. if they would have been truthful from the start i would never had started the loan modification .i think the federal government also needs to look into this since bank of america took the bail out and not trying to help consumers but punish them.
Product: Credit reporting or other personal consumer reports

Good afternoon, I have contacted Capital One concerning two accounts. I was told they were applied for through XXXX XXXX. Please remove off my credit reports XXXX XXXX, XXXX, and XXXX. I have not gained anything from those accounts.
Product: Checking or savings account

Ally Bank has overdrawn my account several times when a debit payment tries to come through. They then notify me the transaction was paid. They do not have my permission to pay an attempted debit when the funds in the account are too low. 

The last time this occurred was XX/XX/2020. I then contacted the bank on XX/XX/2020 and spoke with a customer service rep XXXX CSR ) regarding this issue. She assured me there were no issues or restrictions on my account. Therefore, I went ahead and deposited a check in the amount of {$200.00} on the same day. 

This morning, XX/XX/2020, I received a notice from Ally that they were holding my funds for 5 business days due to overdrafts XXXX which they created XXXX. I contacted their customer service to try to resolve the issue, and the only solution they offered was to restrict the account so zero charges could be made unless I called them first. That is not a solution. 

I have attached copies of email notifications received from Ally Bank to confirm this complaint.