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

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX  ( Home Equity ) on my credit reports with XXXX, Equifax and XXXX. 

I am including a copy of the following XXXX credit report, File Number :  XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following XXXX credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my Equifax credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX  is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my XXXX credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my Equifax credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The Equifax report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.
Product: Credit card or prepaid card

TD BANK N.A. is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )
Product: Credit reporting or other personal consumer reports

I disputed my credit report after my bancrupcy, my home morgage was not included nor had it been in any point in time delinquent or derogatory, the reporting agency did not research public record as all of this is included, the company stated they didn't report it closed as I see on my credit report and nor have they updated payment history. Yet after providing proof that my XXXX  account was not only current and open but also there was never a late payment. None of the credit companies think it nessisary to report accurate information that deals with people 's ability to have a true and correct credit report. It's honestly a joke.
Product: Mortgage

Unauthorized payments have been made to my mortgage company by phone. I have autopay on this mortgage on the XXXX of each month. They keep telling me I've been calling in to make the payments and I have NOT. Each time they do this, it over draws my bank account. This happened 3 times in XXXX and then again today. They can't tell me who is calling or what number they are calling from. I even added a password that they would have to use if someone called in. 

They don't seem to want to help or prevent any future unauthorized payments. Please help me!!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX 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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Capital One, XXXX XXXX XXXX : I have accounts with them and on XX/XX/year> I requested the XXXX for the charge off account and I received copies of my account statements. And this message is what is on my credit and showing I owe a balance. Account was in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor.
Product: Debt collection

Daily calls from company and messages to call about debt collection. I owe nothing. I have no debt. Continued daily calls is harassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

- [ ] XXXX  XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,
Product: Debt collection

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : \ ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about an incorrect address on my Equifax credit report. The address " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX '' is not mine. My correct address is " XXXX XXXX XXXX, XXXX, NJ XXXX. '' This mistake could affect my credit, and I believe it violates the Fair Credit Reporting Act, which says credit reports need to be accurate. Im requesting that they be removed as soon as possible to ensure my personal information is accurate and up to date. Also, check how this error happened to make sure theres no fraud involved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> JPMCB Card Customer Service Department Subject : Request for Account Information XXXX Dear JPMCB Card Team, I am writing to formally request information regarding my account with JPMCB Card. Please note that this is not a dispute but a request for clarification of specific details associated with the account. I kindly ask that you provide the following information : 1. The date of first delinquency associated with the account.

2. The date of the last payment made on the account.

3. The date of charge-off for the account. 
Your assistance in furnishing this information would be greatly appreciated. Please send your response to the address listed above or contact me at XXXX or XXXX should you require any further details. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint for XXXX, TRANSUNION and XXXX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If XXXX, TRANSUNION, XXXX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given XXXX, TRANSUNION, and XXXX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems XXXX, TRANSUNION and XXXX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and Toyota motor corporation refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
Product: Bank account or service

I used my Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX.
Product: Checking or savings account

They don't protect your account they allow companies to take out unauthorized charges when it will put your account into the negative and charges very high inconsistent overdraft fees and they take benefits away
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to transunion regarding an account with XXXX XXXX  on my credit. I sent this letter by certified mail # XXXX its been more that 30 days and if theres no response the item must be deleted but yet this item is still reporting I attach copy of letter sent along with copy of receipt from usps that shows the certified receipt
Product: Debt collection

I HAVE A TOTAL OF 4 COLLECTION ACCOUNTS ON MY CREDIT. I WAS NEVER NOTIFIED OF MY RIGHTS TO DISPUTE .... NEVER RECIVED A COLLECTION NOTICE IN THE MAIL.

I HAVE TWO COLLECTION COMPAINES ON MY CREDIT FOR THE SAME DEBT LVNV FUNDING AND RESURENT CAPITAL
Product: Bank account or service

My bank, Wells Fargo, made an unauthorized withdrawal from my checking account, in the amount of {$1500.00}, on XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

Equifax changed my personal information without a request from me, without my consent and without my authorization. Equifax now refuses to correct their mistake or provide any information as to why my personal information to substantiate why my information was changed in the first place.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX keep stating the my 3 collection accounts are accurate. However, they are not. I want the accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$290.00} Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XXXX XXXX XXXX  Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XXXX XXXX XXXX  Court : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQ ; Whereas XXXX  is XXXX, XXXX is XXXX, EQ is Equifax 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been asked multiple times to inform me of whom did they speak with at the court to verify information on bankruptcy that they have placed on my credit report. 

Each time they have insulted me and the CFPB by giving the exact same answer : they did an internal audit and have sent me results. 

The bankruptcy that is incorrectly placed on my credit report is information that I as the consumer need to verify myself. Not an internal audit by Equifax will resolve this issue. 

Equifax wants the CFPB to think that they are investigating my dispute and verifying the information. But Equifax displays disingenuous tactics while I am negatively impacted by financial and emotional. 

I need to have the incorrect information verified by listing whom and where you spoke with the verify this information. This is my third time requesting this information and each time my request have been ignored.
Product: Checking or savings account

Truist bank has completely frozen my account which has always been in good standing for 2+ years because of a deposited check. I can understand needing to place a hold on the check in order to verify. Im not new to the industry and even work at a bank. However to completely lock my account from the already approved funds and my future direct deposits is criminal! My entire life is on hold for 2 weeks because of this procedure. Truist bank will it even communicate with me and attempt to resolve the issue. All they will say is that an investigation is pending and I have to wait. This is extremely unprofessional, and inconvenient. I will never place another XXXX in Truist bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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: Debt collection

State recovery system as a debt collector tryed to collect a debt. They 're reporting inaccurate information in my credit report. I was denied credit. They told me is my responsibility to have it removed from the credit, they have no responsibility to remove it, they have no violation of law.
Product: Mortgage

We did a refinance with Wells Fargo. The closing was XX/XX/XXXX. 
At the closing they said that it is difficult to calculate the payoff of the old mortgage and that we were getting {$3000.00} more than we needed. I think its a scam. They have to get closer than that. Now it is XX/XX/XXXX and we are still waiting for our XXXX. How many people per year do they do that too? Interest they make would be staggering. Again I believe it is a scam.
Product: Debt collection

I previously disputed this alleged debt with collection agency and CFPB, Claim # XXXX, and the collection agency agreed to delete negative reporting. XXXX XXXX XXXX is again attempting collection activity without proper verification, or any new documents verifying I am the debtor.
Product: Credit reporting or other personal consumer reports

I am reopening the investigation until this tradeline is deleted. I have attached the incorrect name associated with XXXX XXXX XXXX only reporting on TransUnion. This name is incorrect. XXXX XXXX XXXX continues to reupdate the information to TransUnion. I will continue to dispute and forward to FTC. There is no longer XXXX. 
All XXXX XXXX XXXX does is send a bill of sales under an incorrect name. This will continue to be challenged until removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX Account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I mailed out a ftc report regarding XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Which explained the identity theft and account take overs to XXXX XXXX and experian. XXXX states that the information i mailed came from a 3rd party when it was I that mailed the documents with the written request to block those accounts. XXXX states they never received the documents.