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

XX/XX/23 According to the Fair Credit Reporting Act, Experian, the consumer reporting agency, has violated the following US codes pertaining to the removal unnecessary names on my, the consumer, credit report : 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Among that, they have also violated 15 USC 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

There should only be one name on my credit report and there is 9 total, some of which were my married name that I no longer legally use and others are misspelled. I should only have one name listed, and that name is the only one tied to all of my accounts. I have attempted to call and resolve this matter several times and was blatantly refused by multiple employees ( XXXX, XXXX, XXXX, & supervisor, XXXX. ) I have stated that they were violating the FCRA and multiple laws within that ( 15 USC 6802, 16 CFR 313.7, 15 USC 1681b, n, e, & c. ) I attempted to call Experian again to resolve this matter, only to find out that my phone number was flagged/ blocked and I was not allowed to complete the call. Attached will be a copy of my credit report via Experian. If you need any further information on this matter, I will gladly provide what I can.
Product: Credit reporting or other personal consumer reports

At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX XXXX report Data Unavailable, XXXX on XXXX and Experian on time. XXXX report account on time on months XXXX, XXXX and XXXX when Experian and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Product: Checking or savings account

I deposited a check and on the receipt was written that the deposit would be avaiable the next morning. I ordered an expensive construction system to be installed and found the a hold was placed on the depost for 12 days. 
I relied on their written statement as to when it was to be made avaiable and now will not have the funds to pay my obligations. 
I have been told by the person who wrote the check that it was removed from their account already and the bank will not release the hold. 
I could understand a hold on a check but all they had to do was not put in writing that it would clear the next day and then not clear it. 
It is for a large amount of {$500000.00}, but it is not uncommon for large checks such as that to be deposited in the account. I put checks in for over a XXXX and this has never happened. they claim that I exceeded my daily balance of {$5000.00} was the reason for the hold. that limititation has never been on my account before and I usually deposit far more than that over the years. 
I have also been informed that the check was paid by the back on which it was written. 
Wells Fargo is holding money that has already been paid by the other bank and refusing to release it. 
This will destroy my companies credit rating and I have no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

XXXX  account ending in XXXX is not my account and doesn't belong to me. I did not authorize or approve for any loan or credit to be used in my name. I do not have any business with this company. I reached out and spoke to XXXX XXXX on XX/XX/year> and she stated they had 5 contact numbers for me which none of those belonged to me. The account is showing 60 days late on my credit report for {$100.00}, and this account should be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

I opened a Best Buy Credit Card recently thru Citi bank. I received my card on XX/XX/XXXX, on XX/XX/XXXX I set up my account online so I could make payments. The purchase i.made with the card was 18 months no interest with payments. Once I setup my account online it showed a payment due on XX/XX/XXXX or XX/XX/XXXX, I immediately made a payment. I never received a notice saying when a payment was due. I messaged Citi & Best Buy for a explanation. Both blame the other. As of today, Citi has given me a reply that I would receive a explanation within 24-48 hours and another message saying 15 days. I also have ask that since I closed my account does this affect the 18 months finance, will I have to pay the balance in full to avoid interest. It's been a week since I inquired about this. I can't get a reply from Citi, Best Buy still says Citi is responsible. I need this looked into since I get different answers. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureau, I have noticed on my credit report a publi

c record Bankruptcy that doesnt belong to me. I have already contacted the Court and received a letter from them saying that they dont report any Information to Credit Bureaus . Also they do not even have a case number on my name, which proves that I do not have a Bankruptcy. So it should be deleted from my credit report. I require you to delete and block all the information related to this record. Thank y
ou!
Product: Debt collection

Titan receivables is the name that this collector has changed to from a different case called XXXX XXXX XXXX XXXX XXXX. He has added an amount of {$2100.00} from XXXX XXXX XXXX and now he calls it XXXX receivables. The file number matches XXXX and XXXX for a cost of {$2100.00} which is correct. Titan receivables is same account but with a fraudulent amount he has the same file number which makes my credit score in-depth XXXX plus dollars that is not supposed to be on my credit. The odd {$1800.00} it's from a case from 2012 bails bondsman that the statue of limitations is up and he changed the name to add it to my account anyway and put it under Titan receivables look at the file numbers they are the same except for he is fraudulently putting money on my credit that does not belong there
Product: Credit card

I received a card in the mail from XXXX. 
It never applied for the card. 
I called the company and asked the account to be closed, yet they did not talk to be about it. They said they will only speak to the account owner! Which is probably the hacker who stole my ID.
Product: Credit reporting or other personal consumer reports

" I am writing to report unauthorized hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit history. These unauthorized inquiries negatively impact my credit score and financial reputation. I request an immediate investigation and removal of these inquiries as per the FCRA 's provisions for addressing inaccuracies in credit reports. '' Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 mailed a dispute letter to Equifax on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, explained in my letter : Several of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws were violated. First, the credit reporting entities failed to verify the accuracy of the information being reported about me, which is a willful violation of 15 U.S. Code 1681n and makes them liable for up to {$1000.00} per violation. They also failed to inform me of my right to opt out of sharing my personal information, violating FCRA Section 603 ( d ) ( 2 ) ( A ) and my consumer rights. 

In addition, inaccurate inquiries and accounts were furnished on my credit report without proper validation, violating FCRA Section 623 ( a ) ( 3 ) and misleading creditors by reporting false information. Debt collectors further exacerbated the situation by sharing my personal information with third-party credit reporting agencies, which violates laws that protect against disclosing debt details to unauthorized parties. 

Late payments were reported inaccurately without defining what constitutes a late payment, which is deceptive and violates timely payments regulations under the FCRA. Furthermore, finance charges were miscalculated, which the credit reporting entities are responsible for determining accurately. Finally, these entities violated FCRA Section 604 ( 15 U.S. Code 1681b ) by including information on my credit report without obtaining my written consent. 

The specific accounts I am disputing include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts involves either willful noncompliance or a failure to validate debts under 15 U.S. Code 1692g. 

Because of these violations, inaccurate and unauthorized information has negatively impacted my credit report, causing unnecessary stress and potential harm to my financial standing. I am demanding the immediate removal of these inaccuracies, proper validation of any remaining accounts, and assurances of compliance with the law moving forward. If these issues are not resolved promptly, I will have no choice but to take legal action under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged off a credit card account on which I had fallen behind on payments. I do not dispute the legitimacy of that credit report entry. XXXX XXXX transferred my debt to XXXX XXXX XXXX and I paid the debt off in installments culminating in a payment of {$980.00} in XX/XX/XXXX. In XX/XX/XXXX I disputed the content of my credit report as it did not reflect that I had paid the charged off amount in full. Experian reported the charge-off on my credit report as happening again in XX/XX/XXXX. My credit score fell 26 points as the delinquency now appeared on my credit report as a new event. I disputed the report again as a new report of an old debt which had been resolved. Experian reported the charge-off again as having happened in XX/XX/XXXX I called Experian and was told there was nothing they could do and that I had to contact XXXX XXXX to get them to remove the reported data. I call XXXX XXXX who told me they were no longer reporting to Experian. They referred me to the collection agency XXXX XXXX XXXX XXXX, who represents XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent me a copy of my paid letter and told me they were not reporting anything to Experian. Experian is basically penalizing me for trying to dispute the completeness of a credit report entry by making a delinquency appear on my report as much more recent than it is. I would also like to comment that neither XXXX nor XXXX are reporting the charge-off in XX/XX/XXXX or XX/XX/XXXX so this appears to be specific to Experian 's systems or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX  report earlier this year, but it still appears on my Equifax and XXXX. It should be removed from all 3.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> an unauthorized/ fraudulent transaction of {$1000.00} was forwarded from my account for which I immediately sent a dispute and requested to stop payment or give me a refund. Both request were subsequently denied without a full and proper investigation into the receiver and circumstances I described.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$17000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. U S DEPT OF EDXXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX. U S DEPT OF EDXXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX. U S DEPT OF EDXXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX. US DEPARTMENT OF EDU - XXXX - XX/XX/XXXX - {$1200.00} Unauthorized Inquiries : XXXXXXXX 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

Capital one has 3 hard inquiries on my credit report when advirrtisment said it would not count against credit it was a soft inquiry .They lied or were not truth ful
Product: Mortgage

We have tried to communicate with them in regards to the payment and scheduling. They said they couldn't help us. Just ignored our attempts. We've had this loan for years. No cooperation. 

Thank you.
Product: Debt collection

The amount that they are trying to collect was not mine to pay they were suppose to charge my insurance and charged me when they had my insurance information. I called they have removed it but they are trying to make it stay for 90 days and that is not right because I do not owe them this money, my insurance had paid the money. They were never suppose to bill me
Product: Credit card

I 'm in the process of trying to cancel American Express Credit Card for my mother. She has never requested this credit card and is unable to cancel herself as she is elderly, suffers from XXXX, and does not speak XXXX. I believe she 's been paying for some time now, because she did not know how to cancel it. 
When I called American Express, they said she needed to be with me or have a power of attorney. My mother lives in XXXX, and I am in XXXX. We will have to go through great lengths to cancel a credit card she never asked for. I would like American Express to not only cancel this card, but stop preying on the most vulnerable for financial gain. 

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

I reviewed my Consumer Reports and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXXXXXX XXXX : Account # [ XXXX ], XXXX XXXX : Account # XXXX XXXX  XXXX, XXXX : Account # [ XXXX ], XXXX XXXXXXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : [ Account : XXXX ] XXXX 

Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report. 
Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion. 
Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account. 
If you require any further documentation or clarification, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOWCOM/WESTLAKE FINANCA XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I checked my credit report and noticed that there were late payments reporting on my credit from my mortgage company, I noticed they were inaccurate because it was during the covid payment deferment, so no payments were due. I sent a dispute to the mortgage company and the credit bureaus, they wrote back and removed SOME of the late payments, but not ALL of the late payments. They admitted they reported in error and admitted to breaking the law, but they still kept some of the inaccuracies on my credit report. Just today, I checked my credit again and they added a NEW 180 day late payment to my credit report which dropped my scores significantly. I'd like to request that the mortgage company remove all of the inaccurate late payments from my credit report and stop trying to ruin my credit over blatantly inaccurate items reporting.I have been enrolled on 2 forbearance from XXXX XXXX XX/XX/XXXX. Once the forbearance plan was over on the 1st one, I was in review for a loan modification with kept my mortgage current. The review was complete and enrolled me into a special forbearance plan from XX/XX/XXXX XXXX. The entire time I was current o. Mortgage. I spoke with Freedom mortgage and they realized that they made a mistake and notated that on my fie. They told me to go through the dispute process to have the items removed
Product: Credit card

I received a notice of change in terms and conditions dated XX/XX/year>, for changes that go into effect on XX/XX/year>. On and after XX/XX/year>, APR for purchases will be 34.49 %. It is notable that in addition to the APR for purchases, 34.49 % will also be the APR for cash advances. Conventionally, cash advances have always had a high, somewhat punitive rate but this is unprecedented. The body of the letter indicates a number to call with questions. I called and followed the prompts to reject the changes and close the account. My current APR is already ridiculously high at 31.99 %. I have no late payments and a credit score over XXXX with both XXXX and XXXX. This is absolute usary.