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

Violation of Fair Credit Reporting Act ( FCRA ) - Inaccurate and Unauthorized Reporting Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Details : I am submitting this complaint to address the inaccurate and unauthorized reporting of late payments by Ally Financial on my credit report. Specifically, this issue violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : Unauthorized Reporting : You have reported late payment information without my explicit written permission, which contravenes 15 U.S. Code 1681b ( 2 ). I did not provide any written instructions or authorization, including a wet signature, for such information to be shared or reported. Inaccurate Reporting : The account in question is inaccurately reported across the three major credit bureaus : XXXX : Reflects a positive payment history. TransUnion and XXXX : Report 90 days past due, which is factually incorrect. This inconsistency demonstrates non-compliance with Section 611 of the FCRA, which mandates the reporting of accurate information to ensure fairness and accuracy in consumer reports.

Impact on Creditworthiness : This inaccurate and unauthorized information is severely impacting my ability to obtain credit. The false reporting of late payments is unjustly lowering my creditworthiness and causing undue harm. Requested Resolution : I respectfully request the CFPB to conduct an immediate and impartial investigation into this matter, including : Verification of whether XXXX XXXX has obtained my written permission for reporting this information, with documentation of my wet signature. Validation of the late payment entries and correction of any inaccuracies in compliance with the FCRA. 
Confirmation that all inaccurate and unauthorized entries are removed from my credit reports. A detailed written response outlining the investigation findings and any corrective measures taken. I trust that your agency will address this matter promptly to protect my consumer rights as guaranteed under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  XXXX XXXX ( now XXXX XXXX XXXX ) included me on a judgement that that they had no legal ability to do. I received a court order to remove my name from the judgement. The HOA/Management company hired Thunderbird Collection Services ( TCS ) to collect on this inpropoer judgement. I have disputed this debt at least 20 times over the years, spoken with TCS and XXXX XXXX  and to no avail - it is still currently listed as a collection on two of my three credit reports. This incorrect posting by TCS has prevented me in qualifying for auto and home loans. The credit bureaus have contacted TCS to confirm the debt and TCS has continued to confirm the debt - despite the fact that I have provided TCS with a copy of the court order removing my name from their judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

*XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX is reporting INACCURATE information to XXXX and Equifax. 
It says on my Equifax report the last active date is XX/XX/2022 but, it says on XXXX XX/XX/2022. 
It says on my Equifax report the last date a payment was made was on XX/XX/2022 but, it says on my XXXX report the last date a payment was made was on XX/XX/2022. 
It says on my Equifax report the payment status is " Late 90 days '' but, it says on my XXXX report the payment status is " Late 30 days ''.
Product: Payday loan, title loan, or personal loan

I can't get an update from the bank to connect to the XXXX app
Product: Debt collection

I am receiving repeated inquires about a debt that I have no knowledge of. I feel that it must be a scam. 

XXXX XXXX <XXXX> XXXX XXXX ( 4 hours ago ) This is an important message for XXXX XXXX XXXX XXXX 

You currently owe {$18000.00} to CACH , LLC. 
You may wonder why XXXX is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

XXXX XXXX XXXX, XXXX was the original creditor. When your debt was overdue, XXXX XXXX XXXX, XXXX sold the debt to CACH , LLC who currently owns this balance. CACH , LLC has asked XXXX to help you resolve this balance. That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 

> View My Options Current Creditor : CACH , LLC Original Creditor : XXXX XXXX XXXX, XXXX Total Balance Due : {$18000.00} XXXX account number : XXXX Product : Credit Card This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 



View Account Information Contact Us Read our FAQs Unsubscribe Dispute This Debt Privacy Policy Copyright 2021 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : XXXX, XXXX XXXX - XXXX XXXX ET The law limits how long you can be sued on a debt. Because of the age of your debt, CACH , LLC can not sue you for it, and CACH , LLC can not report it to any credit reporting agency. 

This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : XXXX : XXXX CACH , LLC account number ending in : XXXX.
Product: Checking or savings account

On XX/XX/year>, I signed up with this despicable website XXXX XXXX XXXXwww.skrill.com without doing my diligence and linked by my XXXX XXXX account and XXXX XXXX XXXX  using their " secure '' platform and made a deposit of {$270.00} from my bank account and another XXXX XXXXXXXX same bank account via debit card. They then, without explanation, froze/locked my account. After repeated emails and requests for my funds to be refunded and the account closed, they credit the bank account direct transfer of {$270.00} but have since outright refused to refund the {$270.00} made via debit card. This company is regulated and on the bottom of their emails state that I may submit a formal complaint through you. I have supporting bank statement ( XXXX ) /evidence of money withdrawn and e-mail traffic. A quick XXXX search reveals that there are hundreds of complaints and negative reviews against this company for borderline fraudulent practices. I am certain your office has received many. I would greatly appreciate any assistance. While the amount of money is not great, to me it is the principle of the matter. Companies like this should not be allowed to conduct business in this manner.
Product: Debt collection

Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp.
Product: Vehicle loan or lease

I had a vehicle loan through Wells Fargo Dealer Services. I did struggle to keep up with payments, but was trying to resolve that issue with them when they repossessed my XXXX XXXX XXXX without proper notice on XXXX XXXX XXXX Once the car was in their possession, every attempt I made to reinstate the loan was denied, and I ended up losing car. I feel like they failed in their duty to provide notice of potential repossession as well as to negotiate in good faith regarding reinstating the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance : {$55.00} ; XXXXXXXX XXXX XXXX Balance : {$25.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX Balance : {$15.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Further investigation reveals that Equifax will supply requested reports to creditors, but only if date of birth omitted from consumer data in report request. 

Obviously this is preposterous, impractical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Equifax Complaint : Equifax has refused me access to my account after verifying my identity on multiple occasions. I have mailed the required documents to the provided address and answered their questions via internet and phone. Even after following their steps they still refuse me access my account or credit report. I have tried for months now but, they will not contact me and I have tried everything possible. They are refusing to allow me control, access and legal privileges of obtaining and disputing info on my credit report.
Product: Debt collection

This company keeps calling my number to collect an alleged debt. I have no knowledge of this debt and they have not provided any written notice of this debt. I have told them to cease calling my number but they have not done so. 

I received a phone call XX/XX/2020 from XXXX at XXXX XXXX They have also called from XXXX.
Product: Credit reporting or other personal consumer reports

1. Summary of Complaint I am filing this complaint against XXXX XXXX for inaccurately reporting two closed credit card accounts with derogatory remarks, including false references to a discharged bankruptcy, late payments, and closed by credit grantor notations. These remarks are factually incorrect, legally misleading, and unsupported by any documentation. 

Importantly, there is no XXXX XXXX XXXX XXXX  XXXX bankruptcy present anywhere on my credit report, yet XXXX XXXX records imply a discharge, which is a serious legal misrepresentation. I have made multiple attempts to challenge this reporting directly with XXXX XXXX and through the credit bureaus. They have failed to validate the information or provide any original contracts, billing records, or formal bankruptcy documents. 

2. Accounts in Question Creditor : XXXX XXXXXXXX Account Ending in XXXX : Closed Account Ending in XXXX : Closed Remarks : Closed by XXXX XXXX Delinquent history not tied to actual late billing References to bankruptcy discharge with no bankruptcy on file 3. Violations and Legal Framework FCRA 1681e ( b ) Accuracy of Reporting Furnishers must report with maximum possible accuracy. False bankruptcy notations violate this standard. Reporting derogatory information without underlying evidence ( such as billing history or court orders ) is unlawful.

FCRA 1681s-2 ( b ) Duty to Reinvestigate XXXX XXXX is required to conduct a reasonable reinvestigation upon dispute. They have failed to verify any aspect of these accounts with documentation, including : Payment history proving actual lateness Legal discharge orders Any bankruptcy case number tied to me Failure to produce any of these makes continued reporting noncompliant.

FCRA 1681i ( a ) Dispute Resolution Process Creditors can not rely solely on internal records or legacy data. They must independently verify all negative information challenged by the consumer.

CFPB and FTC Interpretation Furnishers are not required to report negative items, but if they choose to do so, they must provide verified, contextual, and non-misleading data. Reporting a bankruptcy discharge that never occurred is deceptive and causes material harm.

Fair Credit Billing Act ( 15 U.S.C. 1666 ) If creditors can not produce billing statements showing the specific delinquency or default, they can not legally maintain that the account was delinquent or in default at charge-off.

Case Law Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) Even technically correct data may violate the FCRA if it gives a false overall impression of the consumers financial reliability.

False Bankruptcy Claim Federal Concern Falsely associating a consumer with a bankruptcy carries serious consequences. It may be construed as defamation, reckless furnishing, or intentional interference with creditworthiness under federal and state law.
Product: Checking or savings account

I received a letter saying within 10 business days, I would receive some kind of response, and NOTHING, its like theyre not even investigating my matter, and its really hurting me financially!!! They keep giving me the run around, I have send XXXX pdf responses like they have asked in order too be eligible for a provisional credit, on the XXXX business day, I was finally able too get a representative too even transfer me too a supervisor, supervisor tells me he doesnt see my responses but too wait until tomorrow and itll all be sorted, Im currently on the phone, being the 10 business day, theyre claiming they have mens received anything from me, and I asked for a supervisor, and he told me too wait on the line for an hour if I wanted too, just too be hung up on and too rate his customer service XXXX mins later!!!!!! He also told me that since its early in the day, give them all day too have an answer for me and to basically stop calling about my stolen money!!!???
Product: Bank account or service

I had a checking account with US Bank that I requested to be closed in XXXX. It was never done and they continued to charge me fees. Then they forced the account closed in XXXX with an outstanding balance for XXXX. I have been making payments to the collection agency on that balance since as I was unable to get US Bank to waive any of those fees. There is a payment plan in place. The account is closed and I 'm paying fees for them forcing the account closed. Then in XXXX there was a refund issued to that closed account of XXXX ( not sure where the refund came from ), US Bank then reopened my account for the XXXX and sent me a deposit statement. Then US Bank charged me XXXX for that paper statement, making the account negative. SO they reopened the account that was closed and charged me to close the account in the first place, XXXX in fees, which I have been paying. Then charged me XXXX to send me a paper statement, on a closed account that I 'm paying the collection agency for. I have written them several letters regarding this and they continue to send me a statement each month showing a negative balance. I closed this account, they never closed on their end and say they do n't see my request. Then charged NSF fees, monthly service fees and eventually closed the account, charging fees for that too. When I finally received the letter that the account was closed back in XXXX 2016 ( 5 months after I asked them to close the account ) they said I owed XXXX in fees. I set up a payment arrangement with the collection agency and have been paying. I wrote them many times over several months disputing the charges and the account balance, to no avail. So now months later they took it upon themselves to reopen this account and again start charging me fees.
Product: Debt collection

As expressed in my original letter for the return of my original documents, which is theft per my original letter sent, which is still unresolved. I would like my original documents returned to me. I was sent copies of my original document along with other unrequested documents. If not acceptable, why haven't they returned the original if not accepted? 

This is not a duplicate request. This issue was never resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I conducted a dispute with Experian, XXXX, and XXXX Credit Bureaus as recently as of XX/XX/2020 regarding the XXXX XXXX credit card being reported on my credit report. 
I have spoken to XXXX XXXX cardmember services and confirmed they do not have any information as far as profiles and credit accounts. 
The result they are getting from the creditor is confirmed account information as accurate, and I have yet to see what proof if any, have been used to confirm the account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting on this account for over 15 years and says to be posted for another year and half way past the maximum statute.
Product: Credit card

on XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX i did not get XXXX  my order and what i did get from them was all broken! it was junk! scrap! i have filed disputeS a XXXX  times with citi bank on my credit card and their not doing anything about it! and i've also tried to contact XXXX and they just tell me to bad i'm stuck with it and hang up on me! i even tried to refuse the XXXX broken order and the truck driver said i can't and dropped it off in my driveway and took off..
Product: Debt collection

On XX/XX/2023 I received an email from XXXX XXXX saying I had an outstanding bill of {$89.00}. However, when I logged in their customer portal to view my account and multiple policies there was nothing due. I did not click on the link in the email due to phishing concerns. 

I received a 2nd email on XX/XX/XXXX and once again could not find a bill due in the customer portal. I also did not receive a voicemail or mailed statement. Recently I found this had been reported on my credit report as a late payment. I immediately call XXXX XXXX and determined the following : - they did turn it over to a credit agency- they mailed statements to an address of over 3 years ago, when they have all my correct and current addresses ( I have multiple houses and policies with them ). 
- The issue occurred because I sold my 2nd home in AL and transferred my auto insurance back to GA. When they canceled the AL policy there was a balance due, which they did not mention on the phone call otherwise I I would hav paid it immediately. 
- XXXX XXXX has all my credit card information on file so I don't know why they didn't charge it then. 
- When I spoke to the agent, she explained the bill NEVER showed up in their billing portal, because once a policy is cancelled it no longer shows up there! Not sure how that is my fault... immediately paid the {$89.00} on the call using my credit card they have on file. 
-It also turns out she found another small bill hanging out there in " no man 's land '' related to the home owner policy. I had received no notices about that and it was about to go to collections. 
- I spend over {$10000.00} a year with XXXX XXXX and they now claim there is nothing they can to do remove this from my credit report.
Product: Mortgage

I am writing in reference to the relationship manager response to my application for applying for assistance for my home. The response the relationship manager gave me was my modification was denied. I have been communicating with PHH but they refuse to send the information needed in order for the underwriters at Maryland Home Assistance Program to continue the process. This has been going on since the application was submitted in XXXX XXXX XXXX. All I want is to complete this process so I can go on with my life. Living everyday of not knowing the uncertain is very stressful. Please help with this issue I am really mentally drain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security finance XX/XX/2019