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

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove.

These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX  balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally pr 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 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 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 1681c. ( a ) ( 5 ) Section 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX  information is incorrect. All information has been sent to credit reporting agencies and a firm. This includes providing documentation of my identity which they have asked for multiple times and it has been sent certified mail as well as uploaded into their systems. 

XXXX XXXX XXXX XXXXXXXX. Accuracy Violations** - Reporting incorrect or outdated information on a credit report. 
- Failing to use reasonable procedures to ensure maximum possible accuracy. * ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX2. Failure to Reinvestigate DisputesXXXX - Not investigating a consumers dispute within 30 days ( or 45 days if additional information is provided ). 
- Failing to correct or delete inaccurate or unverifiable information after a reinvestigation. * ( Section 611, 15 U.S.C. 1681i ) * -- - XXXX XXXX XXXX XXXXXXXX. Reporting Errors After Disputes** - Data furnishers ( e.g., creditors ) reporting incorrect information after being notified of a dispute. * ( Section 623, 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX4. Failure to Notify of Disputes** - Credit bureaus failing to notify creditors or furnishers that the consumer has disputed information. * ( Section 611 ( a ) ( 2 ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inclusion of Obsolete Information** - Reporting negative information that is too old : - Most items : 7 years. 
- Bankruptcies : 10 years. * ( Section 605 ( a ), 15 U.S.C. 1681c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Access** - Providing credit reports to unauthorized parties ( e.g., without a permissible purpose ). * ( Section 604, 15 U.S.C. 1681b ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Lack of Proper NotificationsXXXX - Failing to notify consumers about : - Denials of credit, insurance, or employment due to a credit report. * ( Section 615 ( a ) ) XXXX XXXX Their right to request a free annual credit report or dispute errors. 

XXXX XXXX XXXX XXXX XXXX  XXXX. Willful or Negligent Noncompliance** - Willfully or negligently violating any FCRA provision. 
* ( Section 616 - Willful ; Section 617 - Negligent, 15 U.S.C. 1681n and 1681o ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Failure to Provide XXXXonsumer DisclosureXXXX - Not providing consumers with their full credit file or failing to disclose the sources of information upon request. * ( Section 609, 15 U.S.C. 1681g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Misleading or Inadequate Reporting** - Mixing credit files of two individuals ( e.g., similar names or SSNs ). 
- Failing to provide clear explanations of credit scores or factors affecting them. 

Violations- These violations could result in liability for actual damages, statutory damages, punitive damages, and legal fees.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report today, and I cant figure out why theyre there. I check my report frequently, and everything was fine until now. Even refreshing the browser didnt help. Im asking for my documents to be carefully reviewed so I dont have to live with this kind of XXXX  anymore.
Product: Debt collection

Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX ncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX ncorrect Name : - XXXX XXXX XXXX ncorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged 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 or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX
Product: Debt collection

On XX/XX/2023. I received a collection notification from National Recovery System with an account number XXXX on my XXXX and XXXX Credit report. This medical debt is not mine. I have reached out to all three credit agencies to dispute this collection to no avail. This debt is Not mine. I have impeccable payment history and have never paid a bill late. This has affected my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Student loan

We have been paying first XXXX XXXX now Navient since 2005. We have XXXX daughters that went to different colleges and we tried to consolidate these loans at the lower interest rate and we never heard from anyone. We now have 8.5 interest on our remaining loans, which, at present are in deferment, as I have had an accident and can not work. I believe the way they determine the lost interest is incorrect as it seems the balance we owe never goes down. The statements they send are very confusing for the layman.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please update the accounts to reflect correct status : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

I refinanced my mortgage in XXXX of XXXX with LoanDepot. My mortgage is escrowed. They have collected over {$22000.00} from me for escrow and have not paid my home taxes. 
I have been trying since XXXX of XXXX to resolve this. I was told in XX/XX/XXXX taxes were paid however they have not been. 
I started emailing and calling again in XXXX of XXXX with no resolution. 
LoanDepot tried telling me I was not on the deed however that is inaccurate information and I have provided them another copy of the deed as I am the only person on the mortgage. 
With the late fees the tax balance is now {$10000.00}. 
I have talked to multiple people, and have received emails as well however the taxes have still not been paid.
Product: Credit reporting or other personal consumer reports

equifax have given me the hardest time just to dispute XXXX inquiries that are fraudulent. I have battled for XXXX months now and they keep making me send in the same information as i already did. I want these inquires removed asap
Product: Credit reporting or other personal consumer reports

I have disputed this information plenty of times but to no resolve. The company only added more false info to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL XXXX COMMISSION or https : XXXXftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission.Inaccurate Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XXXX
Product: Checking or savings account

This is a follow up to my previous complaint about Chase because my situation is getting worse. Since XXXX, I have been trying to get something in writing from Chase about how to close deceased parents ' accounts and received only harnessing emails stating that accounts that have roughly {$7000.00} have been overdrawn. 

I was called by Mr XXXX from Chase 's executive branch who told me he would look into my situation and try to find the documents I had already submitted. On XX/XX/XXXX, I received two emails ( attached ) stating that the account was overdrawn by XXXX. I called Mr XXXX who told me to ignore those emails and he told me to send in another copy of my mother 's death certificate and documents proving I have the power to control her affairs, which I did. ( attached ) Yesterday, I received a telephone call at XXXX XXXX  fro Mr. XXXX letting me know that my documents were not sufficient. I called back yesterday and today, left several messages on voicemail and spoke to someone who said the people working on my case were not in the office. I asked that someone call me and send me something in writing letting me know what documents I need to submit and why the documents I submitted are insufficient ( they are exactly what he requested ) so that I can close this account. 

I have attached also links to the relevant Chase webpage and the Massachusetts legal handbook that describes the documentation I submitted as sufficient to give me authority to manage my deceased parents ' bank accounts. 

I feel that Chase 's refusal to put information in writing and to respond in a timely manner is becoming harassment.
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXX 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 U.S.C 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS.

15U.S.C 1681 SECTION 602A STATES IHAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FALLOWING ITEMS OF INFORMANTION 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 ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

DELETE THE ACCOUNTS BELOW :
Product: Debt collection

I did not authorize this account, please remove this from my credit report. 
XXXX XXXX date open XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The scoring program used by TransUnion incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years. 
-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ). 
-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %. 
-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments. 
-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts. 

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. Transunion 's new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I have a few hard Inquiries on my Credit that Im not aware of such as : 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 Wells Fargo XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX, I received a call about a XXXX XXXX XXXXXXXX for {$1200.00} from XX/XX/XXXX for a Judgement that was entered XX/XX/XXXX. 
I never received any kind of notice nor Documation. 

Violating 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 and 807, 807 ( 2 ) ( A ), 807 ( 5 ), and 807 ( 10 ) of the FDCPA, 15 U.S.C. 1692e Also, Collecting on any Debt purchased through an agreement executed more than 60 days after the Effective Date without : a commitment from the Seller to provide the following documents for any individual Debt in the Portfolio ( Promised Documents ) within either 90 days of closing or 60 days of Defendants request : - XXXX  that reflects ( 1 ) the Consumers name, ( 2 ) the last four digits of the account number assigned to the Debt by the Creditor that created or was awarded the XXXX, and ( 3 ) Lower XXXX  Amount or the amount of the Debt at the time of purchase by Defendant, Charge-off, or judgment ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to Chexsystems and XXXX, a consumer reporting agency. 

The following false information was sent to Chexsystems and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with Chexsystems and XXXX on XX/XX/2017 ; however, XXXX XXXX  XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXXXXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to Chexsystems and XXXX XXXX Consumer Serivces. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report from XXXX  and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If XXXX  cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.