23daVinci/CFPB_Complaints huggingface dataset:
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize, consent to, or benefit from any of the following inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report they can't do anything, don't see anything regarding my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX  credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report, they don't see anything with my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov.I notified XXXX. 

XXXX XXXXXXXX XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times but can't reach anyone. Police won't do a police report. I also reported to usa.gov. I notified XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report outdated and obsolete information on my account.     They refuse to delete it because they state that the law reads they do not have to delete it until the information is outdated 7 years from the date of the last activity.     The law reads that the original delinquency date is the date when the account first became delinquent, or past due. Delinquencies ca n't stay on your credit report more than seven years from the original delinquency date, even if you pay your bill in full the very next month.  <P/> Credit bureaus are to REMOVE the outdated information on an account seven years after the original default date no matter who has bought the debt or when, the account has to come off your credit report.  <P/> Mr.  XXXX , I.D . #  XXXX , a supervisor at Equifax says is it from the date of the last activity. He does not know the law and Equifax should be fined for falsely misconstruing and violating the law. The law states it is from the date of the first delinquency not the date of last activity.  <P/> I want the outdated information removed from my credit report immediately.
Product: Credit card

I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE OPENED THIS ACCOUNT FRAUDULENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.
Product: Mortgage

There was tax increase in XXXX which was not caught by Chase 's escrow department. Payments were increased in XXXX to cover the shortage however it was at no time conveyed to me that the escrow deficiency was going to be added to the mortgage balance reported to the credit agencies. It is still unclear how this is legal when the mortgage balance should not reflect an escrow amount. Furthermore, the balance on my Chase mortgage account is still the correct amount so Chase is reporting an incorrect number to the credit agencies. This has negatively affected my credit score.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as Equifax and XXXX which are currently being sued for reporting fraud and inaccurate information class action lawsuit. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my FTC affidavit for your review. 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them. The law states all items must be reported accurately and truthful 15. u.s. code 1692j 1681s 2b cra must block the information within four days and notify the furnished of the report of the fraudulent data. Below are the items that need to be blocked from current and future reporting and deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL INQUIRES LISTED IN THE FTC FRAUD AFFIDAVIT BELOW ATTATCHED FOR YOUR REVIEW.
Product: Mortgage

XXXX took over servicing my home loan on XX/XX/XXXX from XXXX XXXX ... Letter was sent XX/XX/XXXX stating to now pay XXXX per bankruptcy court starting in XX/XX/XXXX ... In XX/XX/XXXX XXXX became Green Tree ... I was now paying Green Tree till it became DiTech in XX/XX/XXXX ... My loan was a predatory loan from XXXX ... I alerted the Banking Lending Comission of Texas in XXXX in XX/XX/XXXX ... I became part of XXXX 's bankruptcy filings due to the fact of only {$50.00} going to the principal of my mortgage ... I found this out upon the death of my husband XX/XX/XXXX ... I have tried to get out of a 7.9 % loan interest ... but to no success ... I have applied to Green Tree and Ditech for a loan reduction mortgage rate ... still no success ... 
The road block is {$20000.00} taxes owed on my property due to a long story ... I have tried to have them put it on the back end of my loan and they pay the taxes but they say it can not be done ...
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

The accreditor has failed multiple times to verify the account information based on my requests to the accreditor and the credit bureaus. Their responses were generic or frivolous, which gave me certainty that they are not capable of validating the account I have been disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :
Product: Mortgage

Im on a fixed loan. My payment almost doubled from last year. No one at statebridge will help me. I keep telling them theres no way this is right and they tell me to refinance my loan. But could not explain why my payment went from XXXX a month to XXXX and I have had other people look at it for me and they all say there is no way this is right. Im XXXX and only get XXXX a month so Ill lose  my house. Ive never missed or been late on a payment. Please help!! Im scared and this place is all I have
Product: Debt collection

I was alerted by XXXX XXXX on XX/XX/2023 that I owed {$2400.00} in collections by Midland Credit Managemen. I contacted Midland Credit Managemen and they said they knew nothing about that account and they kept telling me they would connect me to claims department and when they do the agent stated they are having difficulty from there side, they also asked me for my full social and still didn't found any charge made from there side, I called 3 times on that date stated above and I also called today XX/XX/2023, Because of that XXXX points drop from my score on XXXX XXXX, I'm frustrated and I don't know what to do
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 3 months and I still haven't received results of an investigation.
Product: Vehicle loan or lease

I was XXXX payments behind on my truck. I made XXXX payments and they repossessed it.
Product: Checking or savings account

I am a victim of a cheque deposit and bank/check card transfer fraud incident that happened on XX/XX/XXXX. 
On XX/XX/year>, I received an email on my school email account ( XXXX ) from a person using the school account ( XXXX ), introducing himself as the Professor and an agency for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). He asked if I would like to volunteer at their organization. My main job included the following : - To receive health/medical supplies or donations from our donors across United States XXXX 
- To help purchase a list of items from any retailers. 
- To deliver items to the assigned students/educational workers with XXXX and foster care giving. 
- To send donations to the assigned students/educational workers with disabilities. 
After accepting the job offer, I completed two " tasks '' that involved transfer of money. Both cases followed the order of : " XXXX XXXX '' sends me a signed cheque via email -- > I make the deposit online to my bank account using my Chase bank app -- > I send the deposit receipt to " XXXX XXXX '' -- > I send a designated amount of money to the " disabled students in need '' using either Chase wire or an app called XXXX XXXX 
The first cheque that I deposited got through and I checked the amount of XXXX dollars on my CHASE bank account. ( I believe here CHASE is responsible because they didn't have a strong identification system and just believed the cheque to be authentic -- it was also the main reason why I trusted this Professor. ) So I proceeded with my task of wiring the money to a person named XXXX XXXX. For the second task. Only after the second check deposit, Chase was able to find out that the check was fraudulent, and I still wouldn't have been able to find this out had I not called the bank myself on XX/XX/XXXX. I immediately filed a dispute to reverse the wire transfer that I made using Chase to XXXX XXXX, and Chase told me to wait for 10 days. I waited, and when I finally received a response, it was devastating. They said that they can not reverse the wire transfer because I initiated the transfer myself. They said that although they are aware that I didn't really " know '' know this, it was still by " my will '' that I sent the money to the Professor and that there's nothing they can do about this. I am so devastated about this, and I am suffering from immense psychological pain and physical pain. I had to cancel my plane ticket to visit my family and I have been working 2 jobs to pay for the XXXX and the money that I had lost because of this, but still the thought of Chase not being able to protect their own customer 's money is unacceptable. Chase is able to help people who made wrong transactions on golf wears and jewelries but they can't help people who had been scammed? I asked CHase over and over again why they can't help me, and all they said was that that was the process and that was how things were. But isn't my money somewhere in someone's bank account right now? Why can't the bank help its customer by standing on the side of justice? Do they expect me to just die? Please help me. I am so devastated. I need help. Please.
Product: Debt collection

This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX, I have been turning in proof of Identity such as my ID, SSN, and utility bill to be able to have credit repair agencies monitor my score and report. I had sent in the same information in XXXX, XXXX, and XXXX of XXXX  and still no success in obtaining my information on identity, XXXX, XXXX, XXXX, etc. I was advised it will take only XXXX to XXXX business days and it's been months.
Product: Debt collection

I originally receive a letter of pending wage garnishment from XXXX, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called Allied Interstate LLC. I was never given the hearing or review that I requested.
Product: Credit reporting or other personal consumer reports

I pulled my account on Experian and I see that XXXX XXXX XXXX is reporting my loan as being late as of XXXX XXXX. They overcharged me on my account and when they corrected it, I paid my loan off completely. They are reporting inaccurate information on my credit report. I have enclosed my lien release from them. I do not have my title either. This error is against the law per 15 USC 16814. This account needs to be deleted from my credit report immediately.
Product: Debt collection

I got a notification text from a company called " Halsted Financial '' telling me I can save money on my XXXX XXXX XXXX XXXX. '' account. I have no idea who XXXX XXXX  is, so I called, assuming this was a phishing attempt. They told me its for an account that is over 7 years old ( XX/XX/XXXX ) with date of delinquency being XX/XX/XXXX. This account has passed the states 6 year Statute of Limitations and the credit bureaus 7 year Statute of Limitations. 

I remember seeing this account on my credit report years ago, and I disputed it several times and requested original documentation to no avail. It finally dropped off due to the statute of limitations. Well, I guess XXXX XXXX  sold the debt again to Halsted Financial Services on XX/XX/XXXX and they are trying to collect this debt again, despite it being past the statute of limitations. Halsted didn't even look at how old the account is before continuing to contact me. I had to point it out to them and that i requested no contact. I contacted XXXX XXXX XXXX and they said that they were not given the delinquency date, and its not listed on the account, so I would have to get it from the credit bureaus. I told them this account fell off my credit report last year due to statute of limitations, so the credit bureaus probably wouldn't have that information, but Halsted Financial was able to give me the date of delinquency from XXXX, so I gave it to XXXX XXXX  ( i find it odd they dont have that information but are selling the debt still ). XXXX XXXX  informed me that they could keep calling on the debt, but that it cant be reported to the credit bureaus anymore. I told them that I fought to have that charge removed for years, and it was only removed because of the XXXX, so i would like them to stop trying to collect.
Product: Payday loan, title loan, or personal loan

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

REGIONS BANK XXXX XXXX {$250.00}
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act conversion the accounts listed violated my rights, XXXX XXXX ( # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section ( 2 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate