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

This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : 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 CAPITAL ONE AUTO FINANCE 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 I do not contact these companies for the following dates that have been listed with capital one which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Checking or savings account

Bank of America Checking Account NSF Fees ( $ XXXX over 16 Months ) XX/XX/XXXX to XX/XX/XXXX No Written Notification or Courtesy Calls provided Checking Account Type was changed in XX/XX/XXXX without owner approval, requiring {$25000.00} Min balance. 
I am officially Co-Owner on this account dating back to XXXX or so. My mom who passed in XX/XX/XXXX was the Owner. Through estate planning I was official her XXXX XXXX XXXX XXXX XXXX XXXX XXXX dating back to XXXX. 
After her passing, I dispersed to her XXXX sons ( includes me ) all funds as beneficiaries. This account remained open with a balance of {$3600.00} as of XX/XX/XXXX, to satisfy potential reimbursement needs of an overpaid private pension and claw back provisions that followed my moms death. Account remained dormant from use for 16 months. 
BofA was made fully aware of the situation regarding acct owner being deceased, prior to the checking type change and NSF fees.

Attempted to work through BofA for reimbursement of fees when I requested the account be closed. Was informed that they could only reimburse the Original Owner of the account, ( which is my mom and is deceased ), and not me as the Co-Owner with full legal access. 
Looking for guidance on this situation, as it seems highly unreasonable. Asking for the reimbursement of NSF fees in total ( XXXX {$25.00} = {$400.00} ). Would like the complaint filed with the NJ Department of Banking and Insurance as well.
Product: Debt collection

I contacted Brown and Joseph LLC about my amount owed to XXXX XXXX XXXX that they were attempting to collect a debt of which I acknowledged the amount from them wad {$260.00}. I authorized to pay {$50.00} bi- weekly until amount was paid. Payments dates were as followed XX/XX/XXXX and XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX was {$50.00} leaving a balance of {$10.00} of which I called said company and said please take the XXXX on XX/XX/23. Then said representative stated when she tried to say I still owed another {$190.00}. I have the original letter from Brown and Joseph LLC and my final statement from XXXX XXXX XXXX with the exact amount of {$260.00}. Starting again on XX/XX/23 {$50.00} started being taken from my account and continued on XX/XX/23, XX/XX/23 & XX/XX/23. I at this pointed asked why these funds where taken and they gave me a credit on XXXX of {$45.00} and one of {$14.00} and reversed a payment that was pending from my account On XX/XX/23. I could never get a answer as to where she got the additional amount she said I owed as I spoke to XXXX XXXX XXXX and said they had nothing matching that said figure. These amounts drawn from my account caused a fee of {$28.00} for each amount taken.
Product: Credit reporting

Equifax lists XXXX of my wife 's credit card accounts on my credit report as missing a payment. This is a XXXX card beginning with XXXX. This is not my card. I was an authorized user on the account but the financial responsibility is 100 % my wife 's. The initial application for the card reiterated this. 

I filed a dispute with Equifax once I learned this missed payment was on my account. I told them this account was not my responsibility. I did the same with XXXX other credit bureaus, who promptly removed it. Equifax notified me 2 weeks after the dispute that they were still working on it. They never communicated with me again after that. I took it upon myself to check the status yesterday only to find it was closed and they determined the account was my responsibility. 

So my complaint to the CFPB is two-fold : Equifax deliberately did not notify me of the results of the investigation, no doubt because they refused to make the proper change. And the second complaint is that they are continuing to provide libelous information that I missed a payment on a card that I had no financial responsibility to pay.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and Im completely at a loss for why this has happened. Ive been diligent in checking my credit report regularly, and Ive never seen anything like this before. I even refreshed my browser, thinking it might just be a temporary error, but the incorrect accounts remained. I feel so desperate for help and am asking for a detailed review of the documents I provided so I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to refinance my property so I consolidate my bills. Lending Club is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. Lending Club automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.
Product: Debt collection

On XXXX XXXX XXXX  i was writing the company to request verification of the debt they claim i own to XXXX XXXX XXXXXXXX XXXX XXXX I never receive nothing from them
Product: Credit reporting

TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. 
And refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Unauthorized Inquiries on EQUIFAX Consumer Report Dear EQUIFAX, I am writing to dispute inaccuracies and unauthorized inquiries appearing on my EQUIFAX consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 

Disputed Accounts, Late Payments, and Inquiries : Company Name, Account Number : XXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXXXXXX XXXX XXXX XXXX  : Account Number XXXX XXXX Name, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. Additionally, under 15 U.S.C. 1681b, any inquiry must have my explicit authorization and a permissible purpose. If the reported items or inquiries were the result of unauthorized access due to the breach, they must be immediately removed.

Furthermore, under 15 U.S.C. 1681e ( b ), EQUIFAX has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. 

Attached is my EQUIFAX consumer report regarding this matter. 

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ssn : XXXX Subject : Revocation of Consent for Information Sharing and Privacy Violation Concern To Whom It May Concern, I am writing to file a formal complaint concerning the handling and unauthorized sharing of my personal and financial information by Navy Federal Credit Union and XXXX particularly related to my accounts with the account numbers XXXX and XXXX. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights to privacy and control over my personal financial information. I hereby expressly revoke my consent, whether it be written, unwritten, verbal, or non-verbal, for any authorizations previously granted to Navy Federal Credit Union or XXXX and any associated entities for sharing any and all information pertaining to the stated accounts. This revocation is in accordance with 15 USC 6802 and is effective immediately. 

I have reason to believe that my personal information has been handled in a manner that is not compliant with the FCRA and other relevant privacy laws. This mismanagement of my personal data is not only a breach of trust but also a violation of my rights as a consumer. 

Additionally, I seek confirmation that all forms of consent for sharing my information related to the above-mentioned accounts have been fully revoked and that no further sharing of my information will occur without my explicit consent. 

Your immediate attention to this matter is not only appreciated but essential in maintaining the integrity of consumer rights and privacy. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have multiple collections reporting on my credit report for the same creditor, they are various amounts, but they have already been paid and the collection agency is refusing to remove them from my credit report and correct the incorrect information. I have sent them proof of payment multiple times and they have done nothing to resolve this issue Amounts paid were {$2600.00}, {$760.00}, {$360.00} since they were paid so long ago I am only able to pull the cancelled check for the {$360.00} from my online banking
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8600.00} XXXX Balance Owed : {$5900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, XXXX XXXX multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/2023. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

Account:XXXX XXXXXXXX, Account : XXXX XXXX  XXXX, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( 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 WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer.

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

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between Myself and XXXX XXXX XXXX, XXXX  XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/2023 I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 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 is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a dispute letter to Transunion on XX/XX/2022. Upon checking my mail yesterday, on XX/XX/2022, I received a notice from Transunion, dated XX/XX/2022 stating that my letters did not appear to come from an authorized party such as a credit clinic, and are REFUSING to start a reinvestigation on the disputed items that are reporting inaccurately on my credit file. I, the CONSUMER, sent in my own dispute letters and it's a consumer violation to refuse to honor my request for reinvestigation. Not to mention, I have been attempting for several months to remove inaccurate account information from my credit file and to no avail, Transunion has continued to report said inaccurate information. These blatant inaccuracies are causing me to be denied for new lines of credit and is otherwise injurious to my credit worthiness. Transunion has failed to conduct a FULL and COMPLETE reinvestigation and continues to do so. I do understand my rights as a consumer, provided to me by the FCRA and intend to pursuit litigation since Transunion is unable to correct their errors outside of court.
Product: Credit reporting or other personal consumer reports

I have sent letters explaining to remove information from my credit report due to the account closed for a long time. also my personal information was impacted in the equifax Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to have my personal information corrected. 

My only name is as listed : XXXX XXXX My only address is as listed : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX My year of birth is XX/XX/XXXX My only employer : XXXX XXXX XXXXXXXX XXXX XXXX.

All other alleged names and addresses need to be remove expeditiou
sly.
Product: Credit card

Made a medical purchase with a XXXX XXXX XXXX XXXX  Sychrony Bank  ) XX/XX/year>. Attempted to pay online a month later, card was not accepted. Called customer service and the customer service rep told me payment was accepted and payment would complete the next day. A month later I was sent notice that payment didn't go through so I attempted to pay through customer service once again and again was told payment was accepted and would complete the next day. Another month transpired and at this point after talking to customer service I was told that XXXXXXXX XXXX XXXX  debit cards were not accepted. At no point during the XXXX  XXXX months was I told that I could not use an XXXX card. There was no mention of that limitation on the website and XXXX different customer service reps did not inform me of this. I was then told checks were acceptable so I sent a check and it was not cashed as another month transpired. After all that the {$120.00} balance that I attempted to pay has escalated to {$300.00}. Called customer service several times to attempt to pay my original balance as I told them I should not have to be responsible for additional interest and fees for their mistake of not informing me XXXX cards were not accepted and telling me that my payment was accepted twice and they never cashed the check I sent. Customer service refused to eliminate the additional fees and interest and instead they told me they would escalate and investigate and it takes a month. After another month passed by I called and was told that they would open another investigation and they totally disregarded that I supposedly already had an open investigation. They told me it would take another month all while they continued to add fees, interest and reported negatively on my credit. I owe {$120.00}. I've been trying to pay that amount for XXXX months but they are trying to force me to pay late fees and additional interest for their mistakes and delays. All my calls were recorded and they have notes but they refuse to acknowledge their mistake.
Product: Debt collection

Jefferson Capital continues to call me for a debt that is my Fathers and not mine. The calls continue to come from spoofed local Caller ID numbers. Also this debt is more than 7 years old and yet they continue to call me even though I have explained that to them. The gentleman who called me was clearly not from the XXXX and even when I explained to him that it was not my debt he continued to garras me telling me I had to confirm my social security number with him which I refused to be cause it was not my debt. He then moved on to call me a liar and that I was clearly lying and that I would die in my web of lies. 

I realize a lot of debt collectors are outsourcing their call centers to XXXX based companies, but this is unacceptable because they are still calling XXXX  XXXX  and representing XXXX  based companies yet violating federal laws. 

This is not the first time Jefferson Capital has used these tactics to attempt to collect debt that is not mine or that has surpassed the statue of limitations.
Product: Debt collection

I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from my credit report.
Product: Debt collection

First Fed Credit Control is reporting XXXX Accounts in collections from Original Creditor XXXX  XXXX XXXX. 
I have requested information on what the debts are for from First Fed Credit Control and they only provide " Date of Service ''. What was the Service? First Fed Credit Control provides phone number for XXXX  XXXX of XXXX XXXX where service was to take place. 
XXXX XXXX of XXXX XXXX XXXX they are no longer owned by XXXX XXXX XXXX and provides another phone number that is only answered by voicemail with no return calls. 
Nothing but run around- they expect to be paid for a bill that they are not providing enough information on.