23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am saddened that I can't not get this resolved. I recently disputed inquires on my credit report and you guys said they're authorized and they are most certainly not. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you delete these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX - CARXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Also, I have accounts that remained on my report that are over 7 years. Please removed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I received a letter from BOA indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether BOA states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to BOA because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed BOA account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

ATG CREDIT LLC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with ATG CREDIT LLC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I identified a billing error in the amount of {$10000.00} on this account and promptly sent a formal dispute letter to XXXX via certified mail. I have documentation confirming the delivery of this notice. According to the Truth in Lending Act ( TILA ), XXXX was required to acknowledge my dispute and cease reporting the disputed amount to credit bureaus while conducting their investigation. However, they have failed to comply with these requirements. Specifically : XXXX. XXXX has not acknowledged my dispute. 
2. They continue to report the disputed amount to credit bureaus.

These actions are in direct violation of TILA regulations.
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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 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. 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 or other personal consumer reports

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I sent letters months a ago and I never received any response for the XXXX credit bureaus. I'm so stress because this inaccurate accounts this items is FRAUD I'm never recognized this account I will listed the accounts I want to be letter thank you XXXX XXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report. Despite submitting the necessary documentation to correct the error, they have failed to make the required updates. I have provided all supporting evidence, yet the incorrect information remains.
Product: Debt collection

Since XXXX XXXX, XXXX I never received any medical bill i live in XXXX XXXX, and now i am owing total {$2400.00} in medical bills that could of been charged to Medical since I just recently got approved for Medical in XXXX XXXX, Medical would n't do anything. i suddenly receive phone calls about the medical bills totaling that amount and asking them to release the phone number and information they refused to release phone number for ambulance and City of montebello paramedics, I am trying to get financial assistance for XXXX XXXX i have no income, just recently approved for foodstamp and trying seek a job and original amount owe for XXXX is {$1.00} XXXX and XXXX is {$350.00}, CMRE never told us any information regarding any debt collection or no mails ever received
Product: Debt collection

I have submitted multiple letters to this company to verify the debt they say i owe. They have not submitted the proper documents with my signature on it to verify this debt belongs to me,
Product: Credit card or prepaid card

NOTICE AND DEMAND EQUIFAX is reporting erroneous information of comments by XXXX BANK Credit Card. This information is incorrect and liable us, and may lead to a repairable damage. This needs to be deleted.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Student loan

I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. I was looking at my credit report after being XXXX again from XXXX in XX/XX/XXXX. During that time in the end of XXXX I discovered a student loan was opened and received on XX/XX/XXXX. If I was in a XXXX  where we have no access to computers or bank accounts, how did I take this student loan out? I have tried disputing this account from XXXX for {$4200.00} or something close to that amount but I never went to any college in XXXX and wouldnt have been able to do this sort of request or confirmation to have had received that money.
Product: Vehicle loan or lease

The dealer I purchased my car from " mistakenly '' added an optional warranty or coverage in the amount of {$1500.00}. I reached out to Westlake Financial Services to cancel it on XX/XX/22, I received written confirmation of the cancellation on XX/XX/22. I was told the amount would be credited to the loan. I noticed a partial amount was issued, I believe around $ XXXX {$500.00}. I was later told the dealer was to issue the remainder to them and then it would be issued. I followed up several times and was told the they could not reach the dealership, sounds like a personal problem since the remainder had to be paid to them. A few months later I informed them the dealer was gone, there were no cars in the lot. I was thanked " for providing the information '' but they did nothing. Several calls and emails later and each time I was told the issue had been " escalated '' and here were are, a whole year later and nothing had been done. They no longer reply to the emails and the remainder was never credited to my loan. I have copies of the emails should you require them.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely RESOLVED : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello Southwest Credit Systems ; XXXX ; I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Checking or savings account

On XX/XX/year>XXXX  I should have received an ACH deposit into my checking account. I have yet to receive my funds into my account due to a system outage of a third party vendor of some sort is what was explained to me during the 1 of many phone calls with this particular financial institution. I have been made several empty promises of resolve and ACH deposits being fixed and updated. Yet here it is end of day and I have not received my deposit. I am asking for help with investigating this matter and getting my funds into my account asap.
Product: Mortgage

I have had a mortgage with Fifth Third bank since 2011. On XX/XX/XXXX, I refinanced with XXXX XXXX. Ohio had a three day cooking off period where I could change my mind so on XX/XX/XXXX, XXXX sent a payoff check to Fifth Third via XXXX. 

On XX/XX/XXXX, a XXXX XXXX at Fifth third signed the receipt from fedex for the check. 

On XX/XX/XXXX, I noticed that the payoff check had not been cashed by Fifth Third. I verified with XXXX that the check had been sent/received by Fifth Third and that it had not been cleared.

I immediately contacted fifth third to see the status of the check. I contacted them again on the XXXX and the XXXX ( all via their mobile chat ). I provided the name of the person who signed for the check al XXXX with the fedex tracking number. 

On the XXXX they said they had submitted a research request to find out about the check. They said they would get back to me in four business days. In the meantime, I went ahead and made my XXXX Mortgage payment to avoid any chance of a late fee. 

Four days later, I still had not heard from them. I contacted them again today ( XX/XX/XXXX ) to check on the status. They have provided zero update on the payoff check or any actions they are taking but said they have mailed me a letter asking for more information. There is no more information for me to provide and I am extremely concerned that they are holding my XXXX payment as well as charging me more interest. 

They have not given me any information on my check and are now saying I need to wait for some mysterious letter in the MAIL to give them more Information.
Product: Credit reporting

I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.