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

I am reaching out to highlight the inaccurate personal information I have found in my credit report upon reviewing it. I request that you remove any information that is not completely accurate in my credit file, please base it on the correct personal information I have provided in the attached file. In accordance with Consumer Protection laws, I request that these incorrect items be removed from my credit report for it is only my right and your responsibility to only legally report COMPLETELY AND ACCURATE information. I am also submitting this complaint due to several inaccuracies being reported in my credit report. The accounts mentioned in the attached file have been hurting my ability to obtain credit, that is why I was prompted to create a dispute on these accounts. I would like to highlight several violations of the Fair Credit Reporting Act ( FCRA ) that require prompt attention and resolution. These violations are detailed as follows : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand to see the verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the accounts mentioned in the attached file be VERIFIED or REMOVED immediately.
Product: Debt collection

Someone stole my identity to get a car loan with XXXX XXXX XXXX for XXXX XXXX dollars and it has now been passed down to Jefferson Capital sy for collection. When i have informed them the account is fraudulent and i did not authorize the account.
Product: Consumer Loan

I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account.
Product: Credit card or prepaid card

They said I keep paying the bill And or there was no fraud or I validated the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ASURINT provided a background check for an employer. The employer contacted me and told me i was not honest about my background and im still on probation ( WHICH IM NOT ) so i was not able to be hired anymore. That news got back to my school that im currently enrolled in and now i am in danger of getting dropped from school because you need to have a pre hire to be in school.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork per the FCRA. Nothing was done correctly, and the paperwork was not attached to my disputes. And I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX Dept of ED/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$200000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX, XXXX XXXX Balance : {$570.00}
Product: Debt collection

XXXX XXXX XXXX called me about a XXXX collection debt in XX/XX/2018 for {$1100.00}. I requested a validation letter with documents from original creditor to which they only sent a statement from their company. I have no proof this is mine or accurate and they are reporting a collection on my credit report. When I call to obtain verifiable debt documentation they refuse to provide anything and as of today said they weren't allowed to since I filed a dispute. However, XXXX closed my dispute as accurate without obtaining any real proof advising me to file a complaint with FTC. All my accounts are current and paid on a timely manner. I have also tried to contact the original creditor, XXXX XXXX XXXX to which they have no record when providing my name, account number and amount.
Product: Debt collection

In XXXX  some one open a account using my information and now the account is showing in my credit reporting.
Product: Debt collection

XXXX XXXX I called many times told them I never opened XXXX check my estranged wife XXXX XXXX. I have XXXX XXXX  & they never listened. I talk to them or collection just wants money. Its horrifying
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to reach out to XXXX, they have not given me access to my CONSUMER REPORT and XXXX REPORT. I have attached screenshots as proof
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 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 XXXX 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: Checking or savings account

I have been charged {$72.00} in overdraft fees for XXXX transactions totaling to {$2.00} transaction. I believe that is aboslutely ridiculous and misleading. This needs to be addressed, i called truist today XX/XX/year> and addressed the issue with a bank rep and supervisor and they informed me that even if i deposit the money back in the account the same day i will still be charged an {$36.00} overdraft fee for any transaction, thats not what i was told opening a business checking account with truist. this needs to be addressed immediately and reversed. This is so money hungry and disgusting behavior and i hope that CFPB investigates this, and address it accordingly.
Product: Debt collection

Company is calling family members about a " debt '' I am unaware of as I have not received any letters or notification of money owed.
Product: Student loan

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax many of times asking them to remove this item from credit report because it does not belong to me. I also asked for all original paperwork because I've never signed up for this account and Equifax still won't remove. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Mortgage

We have had a very difficult time with XXXX XXXX. We tried to do a loan modification and could not afford the mortgage payment. We have placed our property on the market to sell. XXXX XXXX and the investor have refused to postpone sale dates while we go through this process. We have had to get free assistance from legal aid. We now have a full file in the system in review with XXXX XXXX, that has met the numbers requested by XXXX XXXX for approval, and now they have refused to postpone the sale date. From my understanding, this is illegal in the state of California. ( California Bill of Rights ). All documents requested have been received by XXXX XXXX. We feel like XXXX XXXX is lying to us, and only want to foreclose and kick us out on the streets. We simply want to avoid foreclosure. 

We are both retired living off a fixed income. Our SSI and XXXX Pension.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the inaccurate items from my credit report. However, there are still inaccuracies that need to be addressed. I am writing to inform you that I have been a victim of incorrect credit reporting. According to the Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items that were opened without my knowledge, consent, or authority within four business days if provided with the following : ( 1 ) Proof of my identity ; ( 2 ) A copy of an identity theft report ; ( 3 ) Identification of the disputed information ; and ( 4 ) A statement asserting that the disputed information is not related to any transaction by me. The following items need to be removed as they are inaccurate : Experian XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ODE XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXX/XX/XXXX. You have XXXX business days to remove these inaccuracies from my credit file. I do not authorize the use of XXXX  or any automated verification systems.
Product: Mortgage

A leading financial Bank has charged me the loan application fee twice for a new home loan. Even though I have pointed this out to them and provided them all the details about the double charge, they continue to deny and are not providing any direct explanation and neither refunding the application fee. They have charged me {$390.00} once against my XXXX card and then a second time as a loan charge on my escrow statement ( without any corresponding credit )
Product: Credit card or prepaid card

My original bank ( BBVA ) was acquired by PNC and the info on file did not transfer over correctly, which has left me without access to my account. I was told by a rep that there is NO credit card account under my ss number. I know this to be incorrect so I had been making payments via paper statements. Once those stopped coming in, I went to a physical bank location and was told that the SS # on file did not match mine. I submitted a copy of my ss card, as directed by the bank mgr, but it appears that my credit had been rerun on XX/XX/22 WITHOUT MY APPROVAL. Months later and the issue has not been resolved and I still do not have access to pay my account. 
Due to all this, I have not been able to make my payment. I have no physical way of paying, it was not due to lack of trying. My account is currently showing as late but this issue lies with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i mailed Experian a certified letter Informing them that a account i disputed and had recent resolved on XX/XX/XXXX still has incorrect information. That account is XXXX XXXX-account # XXXX. On XX/XX/XXXX XXXX XXXX informed Experian as well as the other credit bureaus that this account was paid as agreed/satisfactory. Once Experian updated my account i noticed that it still had incorrect information. I tried disputing the incorrect information but Experian did not fix it and also called them multiple times only to be lied to and passed around to many customer service reps without getting any corrections. 
I attched a copy my credit report that i pulled on XX/XX/XXXX from XXXX. 
you will notice the incorrect information as followed Experian has my XXXX XXXX account listed as paid/satisfactory but also has it listed as charged off/ derogatory .... this can not be possible as this account is paid. 
Experian also has four dates - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX..all listed as 90 days late, which is totally impossible for all the dates to be 90 days late. 
Experian also has the same dates XX/XX/XXXX and XX/XX/XXXX listed as not reported.. while have the dates XX/XX/XXXX and XX/XX/XXXX listed as charged off ... 
Experian needs to remove all the negative marks from my account and credit report
Product: Debt collection

I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer TrakAmerica and both companies state that contacting XXXX XXXX XXXX to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls XXXX XXXX XXXX has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with XXXX XXXX XXXX. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from XXXX XXXX XXXX regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1681 ( b ) 2 state that these bureaus has to have my written permission to furnish a report.I have never agreed for these 3 bureaus to just take information about me and then tarnish my score. I will also like proof of them having my signature if they claim they have. Ive been harassed from multiple debt collectors on alleged debt that I the consumer have read over and said " I do not validate this debt '' which is technically just a allegation until I agree upon those debt. 

i also do not own a credit card from any bank .No bank has issued me credit therefore im not a credit card holder
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) 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. 
. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATI WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices A you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
Thereby inform you that you do not have my consent to communicate with XXXX through any medium. Furthermore, I DID NOT consent to you having my Go, personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consure reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit. 

This is an example of what I sent to each of the following companies : " Dear XXXX XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/2018 Made with : TransUnion To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX '' Below are the inquiries I'd like to have removed due to my not authorizing. The biggest culprit was XXXX XXXX XXXX in XXXX, IL : XXXX XXXX ( XX/XX/2018 ) XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, CA XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian Credit Bureau on XX/XX/XXXX at phone number XXXX to update my personal information on my credit file, after unsuccessfully attempting to dispute the erroneous information online on XX/XX/XXXX. I have also sent a letter, dated XX/XX/XXXX requesting my address be updated and previous and inaccurate addresses be removed. During my phone call with Experian on XX/XX/XXXX, the representative stated the computer would not allow her to remove the addresses because they were verified by other companies on my report. These companies have not provided me with any verifiable info confirming my address nor any other personal information. My latest report, as of XX/XX/XXXX still shows the inaccurate address.