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

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Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX XXXX Notes XXXX | next ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Things in dispute : XXXX -- Credit Collection Acct # XXXX XXXX -- XXXX XXXX XXXX XXXX -- Acct # XXXX TransUnion -- XXXX Acct # XXXX, shows paid as agreed, and in reporting dates are incorrect, and old account. 

No credit report match. Somethings reported on XXXX and not the other. 

Please refer to XXXX Consumer Law XXXX XXXX ( A ) ( XXXX ), section status and XXXX XXXX ( A ) ( XXXX ) All these disputes are inaccurate and by law this information should be accurate, if not should be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX { last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Product: Student loan

On XXXX XX/XX/year>, I received a bill for my student loan payment, which indicated a payment due date of XXXX XX/XX/year>. This does not meet the Education Department 's requirements to provide a bill with at least 21 days advanced notice. I tried to clarify with EdFinancial why this occurred and they did not provide clarification on this, nor did they place my account into administrative forbearance to rectify the issue.
Product: Credit reporting

My XXXX account has been paid in full this month on the XXXX 
Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks --
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to Equifax, XXXX XXXX, XXXX  about my consumer credit report. Under 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 : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, EQUIFAX, XXXX XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC complaint, it took some time for the credit bureaus to clarify that they are not obstructing records. I'm providing this complaint to help with formulating a legal response because it is required by FCRA regulation 605b. In the event that you decide not to stop the other items listed below that are responding incorrectly due to fraud. Following are the items that should be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX 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  : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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
Product: Debt collection

Dear SYNCB/LOWES ; I'm really surprised, shocked and dismayed that this account is still reporting {$1600.00} balance as of today. I was on the phone with your staff few weeks ago and i paid this in lieu that this account will be removed off my credit report or updated as paid as agreed never late. As of now, it continues to report inaccurate, invalid, and inconsistent payment history, all invalid dates, questionable balances, and erroneous status. It's illegal the way this account is reporting and therefore, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove these inquiries as these are suspicious to me : XXXX and XXXX
Product: Mortgage

I contacted Loan Depot in regards to being off work ill since XXXX. I made all payments on time never late until savings ran out in XXXX. I sent them my job offer advising them I was starting new job and will be able to make payments on time. I ask if I could get one month deferment and was advised no. They refused to take partial payment which I advised i could make biweekly payments to get current they refused and told me to do loan modification ; deed in lieu. I applied for modification In XXXX and have been getting run around since and modification still not completed. Home is now in foreclosure with sale date and I never got update from mortgage company in regards to anything or status of modification. I only got updates because I was calling weekly. Than I started getting hung up on every time I called or recording stating leave message someone will call back and never have called back. I had to start calling off other phones to get thru and speak with someone about status and not enter loan number or will get hung up on. This company has caused me so much stress and the process in which they function is terrible. If the calls are recorded I would love to have them pulled so the CEO and share holders can hear and see the unjust I have been experiencing since XXXX still with no solution to my home. I believe they have caused me more fees and stress than my initial call when I ask for a month deferral which I would have had account current in two months time.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

So I first had a wrongful repossession but I just returned the car I didn't want to deal with it anymore and was told the money I already gave them would be returned to me and now there saying there not giving it back to me after on a recorded line I was told that they would send a check that it will be to me within 20 days I waited 20 days no check called back they said that information was incorrect they would not be sending a check instead it was processed on the XXXX of XXXX to be returned to my bank card I paid within 5 days I waited 5 days now there saying that they don't owe me any money and the account is closed and everything I stated is on a recorded line thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Product: Mortgage

I was on a forbearance and it was never explained to me, I dealt with constant bank transfers from one to another and its left me with an outstanding debt in which is incredibly high and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXG ( Original Creditor : XXXX  ) XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card

barclays bank placed an account with their attorney who consequently filed suit for a credit card account that Barclays refused to negotiate a reduced interest payment plan so that we could pay the principal balance at a XXXX interest rate for 5 years. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa filed suit against us in the beginning of XXXX according to a letter we received XXXX, however we were never notified or served a notice of a court date. They instead served our documents to another individual being sued by Barclays and we in turn received his documents. Docket XXXX. They further advised that they are entering a judgement in this matter on us. They were sent a letter by me on XXXX via certified mail concerning this matterDue to their error, we never had an opportunity to present our side and they also compromised our personal information including address etc and financial information to an individual that we do not know.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 an account at XXXX XXXX was established in my name, I noticed that fraud account was reporting on my credit report and tried disputing this account multiple times as identity theft fraud and the end result is, the account is still reporting on my credit report as charged off. when I called XXXX XXXX and supplied the customer rep with my social to look up this account, the account could not be found. I supplied the rep with the account number that i received and was told that the ssn doesn't match what's on their file. I have filed another dispute with the credit agencies to have this information removed from my credit report. I asked for validation of this debt, I have yet to receive it. this fraudulent account has lowered my credit score and held me back from getting approved by apartments, this account has cause me unnecessary hardship. I need this account removed from my credit report and compensation for the hardship I endured. 

the ssn number on the account or application doesn't belong to me, this account needs to be removed
Product: Debt collection

I am a victim of identity theft, and this company has no record of me signing a contract with them claiming this debt belongs to me. I asked the company 3 times to provide documentation that this debt belongs to me, and they haven't provided any documentation yet. I need this removed from my account immediately please.
Product: Debt collection

I received a notice from my employer in XXXX about a garnishment from XXXX XXXX XXXX XXXX located in XXXX Wyoming. I haven't received any communication from them about this garnishment. I contacted someone through their office by phone and asked them to work with me, I had just found out that I was XXXX and struggling to pay the bills. they refused to help me so I called the XXXX County Courthouse. The woman instructed me to write the judge so I did. That was a complete waste of time, so I dealt with the garnishment. In XXXX they garnished me a total amount of XXXX dollars. The amount I owed the Original company XXXX XXXX was less than 400.00 dollars. Once again I received no communication from this debt collector, then recently received word from my employer that they were going to garnish me again. I wrote a letter of validation and dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent it off that same day. I was under the assumption that they had to stop all attempts to collect this debt until they could validate this disputed debt. They have still garnished me once on XX/XX/XXXX and the next on XX/XX/XXXX for a total of XXXX Dollars. This makes a total of XXXX dollars they have collected from me on a less than 400.00 debt. This is a very old debt possibly time barred, and I want to know how this is legal. I disputed the validity of this debt and they are still taking money from me. I have received nothing from them regarding my dispute. I am a family of XXXX and the only one working, I can't pay my bills nor feed my family.
Product: Debt collection

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation to verify an alleged debt owed by me to PORTFOLIO RECOVERY ASSOCIATES in the amount of $ XXXX.Verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) through the physical verification of an original signed consumer contract has not been established and I have yet to recieve the documentation that I have requested.They continue to be in violation of the FCRA and the FDCPA and are causing severe damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I deposited a check at my personal account to Chase Bank for the amount of {$5000.00} the check was written under XXXX XXXX XXXX fencing. ( The second is the name of my company ). So when the money was acredited Chase bank put the money on hold and did not release it because they suspected that I was commiting fraud. When I went to the bank and I explained it all to them they said that they will call the customer that gave me the check to a phone number that they had on file and they said that the customer never answered the phone so they did not give the money back to me. 

Next thing I did is I went to talk to my customer and we both made an appointment with chase bank to explain that it was not fraud, the person who issued the check went with me, we both presented our documents, explained the situation to the bank so that they would release the money, they took copies of our IDs and other documents and they said that they would fix the problem. 

The next thing Chase did is instead of releasing the money since we had clarified everything, they closed my account and they kept the {$5000.00} from the check and also they kept about {$300.00} of the money that I had in my account. I have called them many times and walk in to their branches many times but none of them can fix it, I have spoken to about 10 different agents from Chase and they all give me different explanations and it seems that they just do not want to give me the money back. 

The customer has been also going to talk to them and she has called them many times but they do not want to give us the money back, I feel terrible since I feel that they are stealing the money and I can not do anything and I feel like no one is by my side to help me agains this atrocity. 

I am writing to you with hope that you can help me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


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

Net Credit Financial my last payment, XX/XX/2019. ( XXXX ) i reported to them I have been affected Disaster/covid 19. Which shows on my credit reports lates for over 2 years. I have been trying to settle or work out an arrangement but they are not willing. However this monthly lates is hurting my score. They have told me they would not report but it keeps happening.
Product: Credit reporting or other personal consumer reports

Experian continues to violate Federal Law by reporting a bankruptcy on my credit report I have notification back from the bankruptcy court which states that they do not report to any credit agency. ( Please find attached the letter from the court ). Under the privacy act of 1974 and the opt out law any authorization that Experian thought they had, they no longer have. Pursuant to the law this information needs to be removed from my credit report immediately