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

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXXXXXX XXXX XXXXXXXX account ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the COVID-19 pandemic, as protections outlined under the CARES Act and 15 U.S.C. 1681s-2 requires leniency for accounts affected by national emergencies. 

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations. 
Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting. 
Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm. 
Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the COVID-19 pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
Immediate Action Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : -- Account Rating : Paid Account Status : Closed Payment Status : Unpaid balance reported as a loss. 
Two-Year Payment History : Charge-offs inaccurately reported for XXXX and XXXX. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX ( Mastercard ) managed by First Bankcard of Omaha, NE. The card was advertised as having an annual membership fee of {$20.00}. However, I was charged an additional {$50.00} fee described as for the " Rewards Program '' that was not disclosed in the ad offer. If I had known there was an additional {$50.00} fee, I would not have signed up for this card.
Product: Credit reporting or other personal consumer reports

I did not get a response for the 605 ( b ) Blocking Request for the Fraudulent Accounts on my consumer credit report that was sent to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
Product: Credit reporting or other personal consumer reports

I wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. 
-- -- -- -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Td Bank is currently furnished inaccurate payment history to the reporting agencies. I opened the account XX/XX/XXXX and was XXXX  XX/XX/XXXX and released XX/XX/XXXX I provided proof to TD bank and the reporting agencies. 

In accordance with the fair credit reporting act TD Bank Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

In XXXX of 2020 I was going not be able to pay my XXXX mortgage payment. I reached out the company proactively to try to get some help and get back on track. So let me be clear, at that time I was not 30 days or more late on my mortgage. 

The quicken loans representative came up with a loan modification plan. This plan included 4 payments in XXXX, XXXX, XXXX, and XXXX. I have made all of those payments except the XX/XX/XXXX payment as that date has not occurred yet. I am not allowed to pay in advance. The payment must be auto-deducted from my bank account on the prearranged date. 

My issue is that even though I was never 30 days late, and I have made all the agreed upon payments, today I received notice that Quicken loans has been reporting me as 90 days past due to the credit agencies. Again at no time have been that late on my mortgage. Meanwhile Quicken Loans, also know as Rocket Mortgage have been taking my money on a plan I can not deviate from. 

How is it legal that I can both pay them on time and they can still report me late? That's my issue.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX To : The Office of Registered Agent for SOUTHWEST CREDIT SYSTEMS , L.P . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter today that my account as closed due to creditworthiness. It report my credit score was XXXX. However, my score was lower than that when I got the card. I recently paid the card in full in XXXX 2017 and a few weeks later I received a notice that my credit has been pulled and my Belks card is closed. I never have paid late and this is going to reflect negative on my credit report. This type of protocal is unfair and deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Per Gov. XXXX order, collection efforts are to be on hold for a minimum of 60 days during the pandemic. This company has continued to send me mail and phone calls regarding medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not mine, nor is my addresses, names. The companies listed also were not authorized to run my credit. Please remove them immediately as this is a second request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 no right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting energy 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 or any consumer reporting and see if the person also knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit. In The Early 2000, I Was A Customer For Over 5 years. I Had An Health Issue With XXXX In My XXXX. I Had Sit For Over A Month Without Being Able To Walk. I Got Behind One Month. I Tried To Settle My Bill Which WAS {$500.00}. The Salesmen Gave Me Extra Charges & Two Extra Months Worth Of Bills That Werent True. My XXXX XXXX XXXX   Bill Came About To Be {$1800.00}. This Amount Is Not Correct! I Tried Negotiating And Was Refused! 

Thank You
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I contacted XXXX XXXX on XXXX XXXX 2018 and this for sure is not my account.
Product: Credit reporting or other personal consumer reports

A validation was sent out about the alleged account. Plus the company was reporting to all three credit bureaus wrong I found 6 items that were not reporting the same. The letter that was sent out from the company was not validation. Based on USC code the company did not furnish any creditable information. Company has caused damages where I was denied a home loan. Since there is in fact punitive damages XXXX XXXX is held under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and Transunion and have yet to receive anything.
Product: Student loan

I applied for public service loan forgiveness under the Temporary Expanded Public Service Loan Forgiveness waiver. I have been employed in the public-sector for over 10 years, making on-time and in-full payments the entire time. My loans were transferred to MOHELA and my employers have been certified, unfortunately only the payments made during the covid forbearance are currently considered eligible. The other payments are showing No bill was due for this period, which is blatantly false. I have since been told this is because my Temporary Expanded Public Service Loan Forgiveness ( XXXX ) counts have not been added, but this contradicts the information I am seeing on my account ( which is demonstratably inaccurate ) and I'm not confident the servicer has any record of my payment history. 

I have been assured the payments should and will be counted but I have been hearing misinformation for the entirety of the 10 years Ive been in public service. This has been well documented ( https : XXXX ) and I have fallen victim to misleading claims throughout the entirety of this process. 

I am collecting my bank statements that demonstrate all my payments to XXXX in preparation to dispute this and have been told that all the payments will be counted. This entire process has been mired with gotchas that inevitably benefit the lender. I am simply trying to claim what Im owed and have diligently worked for for over a decade.
Product: Checking or savings account

My SSN compromised in a breach. I am a victim of identity theft. Fraudulent account opened up under mysocialsecurityaccount.gov and money fraudulently taken ( approx {$15000.00} ) and transferred to Stride/CHIME accounts fraudulently opened ( bank and credit card accounts ). From what we can see on credit reports, they have opened up multiple accounts at XXXX XXXX XXXX name and XXXX. I have called Srtide/Chime with an ID restoration advocate from XXXX and XXXX would not tell us how many accounts under my name and refused to close them as fraudulent. Stride/Chime not assisting in closing fraudulent accounts and participant in fraudulent money taken from my Social Security account XXXX their bank via bank. Social Security has blocked my online account and XXXX and FTC and police reports all filed. I am unaware as to how many accounts or what other banks have been opened in my name. Stride/CHIME has shown up on my credit report. Events began XXXX XX/XX/XXXX. I became aware on XX/XX/XXXX when I had to open up a my social security account online to apply for XXXX A as I turn XXXX XX/XX/XXXX and found out someone already had opened an account under my name with false address, phone #, and XXXX account and opened Stride bank account and collected retirement from my XXXX account and also applied for XXXX A and XXXX XXXX report filed XX/XX/XXXX, FTC report filed XX/XX/XXXX, police report XX/XX/XXXX, personally met with XXXX XX/XX/XXXX, called Stride/CHIME XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

My agency recently conducted a background investigation on me that included a criminal and credit check. The credit report revealed a collections item from XXXX XXXX that is over 20 years old ( XXXX ) The debt was settled and closed several years ago. When I purchased my home XX/XX/XXXX, this debt resurfaced. I disputed the debt and had it removed from my report then. Now, nearly 10 years later, this issue is resurfacing. I work for a financial regulatory agency and fiscal responsibility is a condition of employment. TransUnion is the only Bureau that shows this item in collections. The fact that XXXX XXXX is allowed to report on an account that has been closed over 20 years AND TransUnion accepts this report is egregious. XXXX XXXX continues this post mortem debt reporting because they have not been held accountable. My employer is threatening removal if this is not resolved in 30 days. I need to get this matter resolved expeditiously and some level of assurance that XXXX can not continue these predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX   to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account