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

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). 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: Checking or savings account

i just received my statement from bank of america and it even had that charges, let me back down. I recently went to a trip to XXXX new jersey. On my current statement, those charges from XXXX airport are present. As you know sometimes XXXX happens and i needed to use my bank of america debit not credit card. it ' '' debit is my cash, you nor bank of america have a right of any kind via us law to hold me from that money. Why don't you check with bank of ameica and check yourselves.
Product: Credit card or prepaid card

I prepaid for a months at the extended stay to receive a discount. None of the hotels description matched the actual hotel including website and ratings. upon arrival I was told there were no rooms available and the one would be a XXXX upcharge. I was also asked to come back at XXXX for my room, the front desk closed at XXXX. I was not shown my room before hand I was just given a key. There were no amenities that were advertised included ( pots, pans, kitchen utensils ). The room had bugs, stove did not work and was unsanitary, I stayed two nights and left when I was very concerned for my safety. This included another guest informing me the place was a known XXXX, homeless and XXXX spot. I am a small women traveling alone. When I left I contacted both the hotel and discover several times asking for a full refund due to the money I spent having to wash all my clothes and buy sheets and a blanket. I was denimed. Discover admitted the rooms looked nothing like the website and the whole thing was false advertising and fraudulent but told me that if the extended had a room available, they were allowed to charge me even if I provided proof I had left the hotel.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Product: Debt collection

I have told them plenty of times that I never resided with my mother nor signed a lease. I was in XXXX XXXX FL around the time they stated this account was opened XX/XX/2016. I was still working for XXXX that was in XXXX FL. I advised them of this and still this is on my account no documentation or anything was sent to me. All i seen was my XXXX with this info on it
Product: Credit card

My husband opened a credit card with Country Door in my name. I want my name removed I called them several times and keep getting the run around. 
First they said my husband has to write them and put the account in his name- he did this and they still refuse to remove my name- they are ruining my credit I called again and told them my husband sent a notice to remove my name and put it in his name. XXXX I was told. Oh no he has to write a letter and have it noterized! 
This is ridiculous. My husband told them it is his card and yet they refuse to change it I told them not to call me and they keep harassing me every day- calling me. My nerves are shot! I want my name removed as my husband told them and to stop calling me- that is harassment
Product: Credit card

We got home from a trip we found a small box from Macy 's at our door containing a XXXX deodorant for about {$29.00}. We called the next day to request a return authorization since it was an item I neither used, ordered, or wanted. After 7 requests and as many phone calls I thought it incredulous no one could or would send me an RA ( return authorization ). No one mentioned, nor did I ever receive a statement showing I owned more. After months of waiting I started receiving daily calls from Bloomingdales / Macys credit asking me to pay my bill of around {$200.00}. Why not the unresolved {$29.00} I asked? They did n't know or care to do anything about it except call again every day. Finally some dear soul told me I had another purchase on the account again made on Macy '. online. and with it my current balance was roughly {$200.00}. 
In all these months I have n't received a monthly bill -- do n't know why. She could not tell me where it was shipped to, since it was n't to me, because they only had records 3 months back in fraud dept ). She asked me why I had n't filed a claim with their Fraud department. Did n't know you had one -- no one 's ever mentioned it to me and I have never been in this situation before.. I have been asking all along if someone used my credit card that it was fraud and I wanted them to cancel it so this would n't get worse. That never happened until the associate that told me what I should have done 5 months ago. They finally closed it 5 months late and are suppose to send me a new one, which will never be used after XXXX that they have put me through. When I looked at it on credit karma I would have thought reading it that they closed it on me and there was no mention of them sending me another card. So it looks like I 'm a bum that does n't pay his bills. If you check you can see where I paid about about XXXX in XX/XX/XXXX on my dept s -- so clearly it was n't that I would n't or could n't have paid them if I had indeed owned them a penny.. Macy 's XXXX customer service is n't something that works. Our family is a XXXX that sticks together and all are refusing to shop Macy 's this XXXX for me -- that will cost them a ton over {$200.00}. Honesty is it 's own reward.Macy 's!
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am reaching out to you because I'm concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it's essential that our records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into XXXX XXXX compliance standards, I've found that there may be some inaccuracies in your reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against you.My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information.
Product: Mortgage

I financed my home with BSI Financial in XXXX I have had payments drafted from my checking account from the first day of payments. They have called and said my account is delinquent and keep changing my payments. my payment has went up {$500.00} this month. I have reached out to them many times over the last 3 months but know response. Their website say I am delinquent. I have all my bank statements where my payments have been drafted. I have even asked for payoff several time but no answer. Can you help Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative items on my credit report and didn't get a response back
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I submitted my first initial dispute on XX/XX/XXXX with Transunion, XXXX, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO  on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and XXXX removed this account long ago but Transunion keeps reporting this inaccurate balance and has yet to verify this account with any proof.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number XXXX {$10000.00} XXXX XXXX  Account number XXXX {$18000.00} XXXX XXXX  Account number XXXX {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting these fraudulent inquires to Equifax for months now. I sent certified letters with documentation and FTC reports, Police reports and other evidence and Equifax has refused to remove these fraudulent inquires from my credit. They are costing me time, most for certified mail, and XXXX  XXXX as these fraudulent inquires are interfering with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CITI XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft all these inquiry are fraud please remove these inquiries from all credit reports.
Product: Credit reporting or other personal consumer reports

On reviewing my credit report, I noticed an issue with the XXXX account and its reporting. The debt associated with this account was sold to XXXX XXXX, which is now reporting the balance as a collection account. However, the original creditor, XXXX, is still reporting the account as a charge-off with a {$0.00} balance. 

This double reporting of the same debt is inaccurate and misleading. It negatively impacts my credit score, as it appears I have more debt than I actually do. The Fair Credit Reporting Act ( FCRA ) requires credit reporting to be accurate, and accounts should not appear twice when the debt has been sold or transferred. The original creditor, XXXX should reflect a {$0.00} balance and indicate that the account was transferred or sold, without continuing to report it as an active derogatory account. 

I took action by disputing this issue with the credit bureaus ( TransUnion, XXXX, and XXXX ) but have not received a satisfactory resolution. As of XX/XX/year>, both XXXX and XXXXXXXX XXXX are reporting this debt on my credit report, and this duplicative reporting persists. 

I am requesting that XXXX tradeline be removed from my credit report, as the debt has been sold and is already being reported by XXXXXXXX XXXX  This correction will ensure the accuracy of my credit report and compliance with FCRA requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting this account without permission and that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX of XXXX I requested a refinance equity with cash out I was denied stating that that department was closed due to an internal covid process no Wells Fargo 's customers was allowed to apply for refinance nor get equity as a home I was under a modification which I knew I was not going to be able to make that payment for the month because of a parasite and I had to pay for an emergency XXXX in my face I advise Wells Fargo XXXX  days prior and also advise them within the next XXXX months I will be making a double payment to make up for that payment I was told that go ahead and miss that Mom the modification will be voided and I will be placed back through modification and place back on the modification that I was on this didn't happen I was forced to pay {$950.00} for the last XXXX  months on a trial modification which I told them I could not afford that I paid the XXXX on the XXXX as usual on for the last XXXX  months and by the XXXX I sold personal items pawn what I could pawn to come up with the {$200.00} I was in communication with them Wells Fargo every month advising them that I was having very much difficulty making that payment and how did they come up with that amount when I'm on social security XXXX my income is not it's half of what it was when I bought my home back in XXXX I feel like an exception should been considered and I also requested that a complaint was submitted a couple of months ago on the exact issue the problem is the reply from Wells Fargo they advised that I was under the modification of {$770.00} that's been signed in black and white and that is not true the modification is still in place I was forced to pay a modification that was not in writing for the last XXXX months or I will be pushed into foreclosure and or my review for a modification would be voided I have the proof that I paid them {$950.00} for the last XXXX  months they did not comply with the {$770.00} modification that's on file as they indicated to you in their answer of the previous complaint
Product: Debt collection

I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.
Product: Credit reporting, credit repair services, or other personal consumer reports

unlawfully add inquiry to my score
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed belo
w must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!