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

" The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TXXXX XXXX XXXX XXXX  since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. XXXX have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.
Product: Credit reporting or other personal consumer reports

This is my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Student loan

I filed a borrower defense application back in XX/XX/2023. I chose the option to not put my loan in deferment or forbearance while it was being processed. I just received a letter stating that it was put into forbearance. I have not authorized or requested any forbearance. I am applying for a mortgage and this is making things difficult. 

I want them to remove the forbearance immediately.
Product: Checking or savings account

I was Scammed after i got my identity compromised. Upon panicking trying to get the bank and all the assistance i need to get my funds back i reached out to someone online that claimed they could trace my funds and get them back to me and they offered me a service and i believed them i needed the help. After making payments i realized i was scammed once again. This time for {$310.00} cents. I reached out to my back at chace and they stated they could not do anything to help me and can not return my funds even with proof that i was scammed. Attached is the conversation with me and the scammer asking him to return my funds and also the bank basically telling me they cant help me.
Product: Checking or savings account

when to get my money out the bank refuse to give me my money because I did know the names of my business I was and a very car accident over a year half ago and I forgot I have that account but I gave my social security number and it was the same account and along with my identification
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my consumer report with Transunion, XXXX and XXXX through certified mail. I received my investigation results in the mail and all the information I disputed was STILL inaccurate AND incomplete. I called Transunion today ( XX/XX/2023 ) and the woman with Transunion was very rude and did not want to hear anything I had to say about inaccuracies. I requested that I be sent proof of the procedures they used to investigate my dispute in a separate communication and upon continuing to argue with me, she hung up on me before the problem was resolved. 

It is to my understanding that by law, when being disputed, these consumer reporting agencies are supposed to put in the comments of each account on my consumer report that " this account is in dispute and are being investigated ''. Only XXXX did that on their report. Transunion and XXXX never put that in any of the comment section ( s ) of any of the accounts in question. Payment History is inaccurate for each account amongst all three credit reporting agencies ( Transunion, XXXX, XXXX ). The furnishers on my credit report have not responded to me about charge-offs and they've never sent me 1099-C forms. I believe the companies at hand are committing tax fraud. Multiple furnishers do not even have permission to report my consumer report. I have requested to be opted out of such reporting and to please give me the necessary documents to opt out of them reporting to these agencies asap. 

15 U.S Code 1681a ( 2 ) ( A ) ( i ) suggests that transaction ( late payments ) and experiences ( utilizations ) are to be excluded from consumer reports. We, the consumers, are entitled to privacy and 100 % complete accuracy. I believe these third part agencies ( Transunion, XXXX, XXXX ) are failing to protect our privacy and personal information. I never gave them or anyone furnishing information on my consumer reports permission to share my information with anyone. All of my negative accounts, late payments, and utilization needs to be deleted at once amongst all credit reporting agencies ( Transunion, XXXX, XXXX ). Multiple Hard Inquiries are on my consumer reports without my consent and after disputing are still not being taken off. 

Furnishers of my personal information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX are reporting without my consent. 

XXXX, XXXX, and Transunion are failing to verify accurately and to uphold their standards of accuracy. They are negatively impacting the livelihood of countless consumers and should be held accountable for the incredible amount of damage they are doing. They fail to realize that us consumers are the ultimate furnishers of information.
Product: Credit reporting or other personal consumer reports

IM NOT ASKING THAT YOU PUT A BLOCK ON MY REPORTS IM ASKING YOU TO REMOVE UNAUTHORIZED ACCOUNTS! ACCORDANCE WITH TITLE 15 6801 ( a ) b ) 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NON-PUBLIC PERSONAL INFORMATION. ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS TO BE FURNISHED ON MY TRANSUNION XXXX XXXX XXXX ACCORDANCE WITH 15 6802 a ( b ) 1ABC OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ACCORDANCE WITH 18 USC 894 TO CONSPIRE TO COME TOGETHER TO COMMIT A CRIME. I DIDNT SIGN ANY DISCLOSURE FORMS I U FEEL I DID PLEASE SEND DOCUMENTS WITH MY WET SIGNATURE I ASKING THAT THESE UNAUTHORIZE ACCTS BE DELETE AND NEVER REAPPEAR
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, Experian, is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : DP OF EDUC : XXXX DP OF EDUC : XXXX DEPTEDXXXX : XXXX XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.C.S 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 1681c-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX ), has violated my rights. 

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

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I contacted XXXX XXXX around XX/XX/year>, I was given a XXXX time XXXX  forebearance which I'm thankful for after the forebearance ended I contracted XXXX XXXX again. The construction job I worked for at the time had a company wide out break and the project was shut down... for over two years I would fill out the hardship application. I would be told from Select Portfolio Servicing they have a complete hardship application and soon they will let me know which options would be available. Then about two weeks later I would recieve an email stating there is missing documentation. I was told the underwriter who make this decision can't be reached by phone and representative who answer the phone couldn't understand why this was going either.. so there is already a balloon payment from the covid forebearance the loan continues to become more delinquent while I'm bein mislead into thinking going to get some.type.of hardship relief fast forward to know and I'm being taken to court for motion for summary judgment..please help
Product: Credit reporting

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.
Product: Debt collection

In XX/XX/XXXX, Regional Acceptance offered an auto loan to person X and myself as a co-signer. This contract was created under duress and after suffering physical and mental abuse by this individual ( person X ). The individual defaulted on the loan and the car was repossessed. All of which I was not aware of until Regional  Acceptance start their harassing and threatening phone calls in XXXX. At the time I lived in Arizona, which operates on Mountain Standard Time vs Regional Acceptance which operates on Eastern Standard Time. I let the representative know this multiple times AND requested that they only contact me via writing. The robo-calls continued and when it was a human they simply stated that, " We are debt collectors - we can do that. '' I let them know that they were calling me at XXXX XXXX. Representatives yelled at me, called me an XXXX, told me get over it, said they would sue me, and told me to take out whatever loan necessary to make them go away. 

All behaviors that Regional Acceptance has ongoing litigation concerning and have been sued for. I could no longer take the continuous harassment as it was impacting my sleep and my ability to do my job ; since I need to have my phone on when I am on-call. I asked for information to set up a payment plan and nothing was sent. Please note that the company was using incorrect and nondeliverable addresses which were reported to credit agencies. Regional Acceptance sold the account to FBCS without letting me know it was sold. When XXXX contacted me I asked if paying this would stop Regional Acceptance 's harassment, they said yes. I entered a payment play with XXXX and paid over {$3000.00} over the course of 2 years. ( Please Note : Since requesting that Regional Acceptance delete this file from my account - my online portal information has disappeared. ) During the repayment process I contacted Regional Acceptance, who assured me that Upon successfully paying the account in full, the account would be deleted from your record. I held  up my end of the contract, they are not adhering to the agreement we agreed upon. 

I have reached out to the company and attempted to contact them through the reporting agencies. My efforts have been in vain. A representative of Regional Acceptance. XXXX called asked me multiple questions about the vehicle and then said, There is nothing we can do. As long as this account is connected to my name, I am connected to person X. Some how this individual has gotten my contact information due to our association with this vehicle. I fear for my safety and have since moved across the country.I simply do not want to be associated with this account, nor this individual ( who's name appears on my credit report ) any longer. I have suffered from anxiety, XXXX, and constant fear that this individual will be able to find me, use my information, or get other credit due to his previous association with me. Since requesting that this account be deleted ; agencies have reported that this account has been reopened, verified, and an updated payment history has been reported by the big 3. Please help with this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019..I was approved for a payday loan from cash aisle loan company which is a tribal loan company based in XXXX XXXX Wisconsin for XXXX..Loan number XXXX ..for XXXX dollars..This is an illegal loan per Illinois state law and the Illinois pay day reform act which states that any payday loan company must be licensed by the Illinois Attorney General to issue payday loans which this company is not..This company charges illegal interest per Illinois state law which states no payday loan company may charge more than 99 percent interest per year and this company charges XXXX percent interest a year which makes this an illegal loan under Illinois state law..To date I have paid XXXX on this illegal XXXX dollar loan under Illinois state law and an uncollectible loan in Illinois courts..I am requested since I have paid XXXX ,XXXX more than the XXXX principal that this loan be considered paid in full
Product: Debt collection

Tsarouhis Law Group went and put a garshment on my bank account knowing that I only get social security XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax XXXX and XXXX XXXX report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Plaza Services XXXX I checked my credit report to find that this company was reporting an account for XXXX for {$590.00} I called to inquire about it, spoke to XXXX. She stated they purchase the account. told her it was not a valid purchase, and she said it was an account that was opened in 2014. I asked her for the account and company 's contact info. she told me she did not have access to it, that I would have to Google it. I told her, her company had me in collections they purchased the account she should be able to give me the information. She told me they were not a collection company, they are a holding service (?? ) I asked her how then is Plaza Services reporting this account as in Collection if they are not Collection service. I contacted every XXXX. # I could find, They have no record of me at all, and said even it was 10 years from before they would have a record. I am not only reporting to XXXX but to the FTC as well, and have made an appointment with my attorney to file suit. I was in chapter 7 bankruptcy, this is not my account. they are in violation of Federal Bankruptcy Law as well as Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, XXXX, AND EXPERIAN has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, XXXX, AND EXPERIAN does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.
Product: Credit reporting

Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXXXXXX XXXX  - Opened XX/XX/XXXX with a balance of {$1300.00} account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$770.00} account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX There are also two addresses that I do not recognize that needs to be removed from my Experian credit report which are : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX All of the aforementioned accounts, addresses and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

constantly doing inquiries on my credit, going to fight this its hurting me bad, and they call all day everyday