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

I received an email from the Chief Financial Officer of Florida, XXXX XXXX, that encouraged citizens to access their credit reports for free from the three main credit reporting agencies ... noting that there was a large problem with incorrect data contained in said credit reporting. I duly accessed my credit report from TransUnion and noted two different accounts that did not belong to me, one from The XXXX XXXX showing the original creditor as XXXX XXXX, the second from XXXX XXXX XXXX, with the original creditor as XXXX XXXX Kansas. I immediately followed the instructions on the TransUnion website to dispute the charges, stating I had never done business with either XXXX XXXX or XXXX XXXX. Approximately one month later, XX/XX/XXXX, I received an email from TransUnion advising of Investigation Results ... both accounts were noted as " Verified as Accurate and Updated ''. I then phoned TransUnion at the number listed in their email and spoke with a person who told me they couldn't do anything because the creditor had verified the charges. I explained again that I had never done business with either company and she told me I would have to provide written verification of this ... from the company that made the false credit report!!! Help! The TransUnion File Identification Number is XXXX
Product: Checking or savings account

On XX/XX/2021, I logged onto my card account and saw that my account had been suspended/closed. This was done without any notification from the financial institution. I contacted customer service and was told that I needed to provide proof of identity. I provided copies of my driver 's license, social security card, proof of address, and proof of unemployment benefits. Although I provided ALL requested documents, my account is still showing that is suspended and customer service keeps giving me the run around.
Product: Debt collection

I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems did not respond or provide requested information when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They have never notified me of their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX.
<P/> XX/XX/XXXX XXXX  reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau.
<P/> XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX CBNA Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
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Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
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Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
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I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report.
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How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Product: Debt collection

Caine and Weiner reported a debt in the amount of {$250.00} on XX/XX/XXXX. No letter was ever sent to me regarding their ownership of the debt or who the original debtor was and my rights to dispute the letter. I called multiple times to retain information or dispute this account but they always lie and say they dont have any notes that I called or spoke with anyone. 

On XX/XX/XXXX when calling them in attempts to retain more information and possibly settle the debt, I was informed by a manager that it is illegal for them to remove a negative mark off any credit unless the amount is paid in full. This is a direct violation of the Fair Credit Report Act which does not state that it is illegal for credit agencies to delete a debt unless paid in full. If there is an error the collection agency must work to fix that error.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. 
Wells Fargo bank XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX/Neltnet I recently viewed my credit report and noticed errors on my credit report. I 've contacted you notifying you about some fraudulent student loan accounts open without my authorization, consent. I 've sent you certified mail letters, a police report, documents verifying that it was all fraud but you fail to send me any documents bearing my signature and it 's been past 120 days and going on 6 months. You 've contacted the credit bureau notifying them that these accounts belong to me. I 've called several times speaking to customer service reps and making them aware of this situation but I have n't received any fraud packets in the mail. I was lied to and given the run around. It is ridiculous. I 'm accused of these accounts and I 've never been a member of any colleges or signed any student loan documents. I am a victim of identity theft, and have been a victim for some time and several times throughout my life and it 's not a great feeling. I refuse to be accountable for someone 's wrong doing and this will be my final letter before any legal actions are taken against you and the credit bureaus for posting false information on my credit file. No ongoing reporting from month to month shall be posted on my credit because these are fraudulent accounts I am not aware of these accounts. I will have my lawyer investigate any documents, if for any reasons I suspect that a signature was forged by someone impersonating to be me, I will be seeking a lawsuit against any institutions, credit bureaus, and XXXX XXXX XXXX/Nelnet as well. I am now giving 5-10 days total. I am not sending any documents I 've sent in the past because I 'm spending my hard earned money sending over certified documents and if your company did n't correct these issues before then it 's not my fault. I repeat for the final time these accounts are n't mine. I have been an identity theft victim several times in the past and impersonated. How much more would I have to prove my innocence to you? I have discriminated against by your company as a criminal because you continue to contact the credit bureaus verbally verifying accounts that does n't belong to me. If that is n't discrimination then what is it? I am disheartened that your company continued to verify month to month for several years that this account was mine and it was n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX, I submitted a request to Eqiufax to investigate a debt that has no creditor information, nor is it a complete reporting account. Ive requested the method of verification, and still zero response. But they have updated my credit file to state that consumer dispute this account. 

There is no chance that this has been investigated properly as you can see from my credit report that Ive attached there is no contact information from a creditor or collection agency. 

It is ridiculous that Equifax can add whatever they like on my credit report and its affecting me negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is currently reporting 6 accounts that either do not belong to me, have inaccuarate balances aand are a result of identity theft .These accounts were removed previuosly after an investigation and have been plaaced back on my credit .I do not have an account with XXXX and they are reporting two accounts on my credit that do not belong to me .XXXX is reporting a balance that is inaccuarate and I have sent proff to equifax of the correct balance determined by a judgement in court for less than half of what is being reported.XXXX XXXX has been paid off and the two medical accounts with XXXX  were paid by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, specifically related to accounts with XXXX XXXX XXXX XXXX XXXX XXXX, and other disputed accounts. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for accounts such as those with XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX someone used my name and home phone ( land line ), a fake XXXX email address, along with the address of a hotel a couple of miles away to open a lease agreement with TEMPOE , LLC to lease a XXXX XXXX XXXX inch laptop. I believe this was purchased through XXXX. 
In XXXX of XXXX I received a letter from XXXX XXXX XXXX saying I had a debt of {XXXX}. I thought this was a scam and ignored it. In XX/XX/XXXX I started receiving phone calls and began to dispute this debt. 
On XX/XX/XXXX I called XXXX and found out that it was difficult to talk with them because they said my SS # did not match what they had and could not speak with me. 
I have been in contact with XXXX XXXX XXXX and they have since sent me a letter back saying that I am " the responsible party for the account ''. 
I have filed a police report and am trying to get this removed from my credit report as it is bringing it down. I have also contact the Consumer Protection Division of North Carolina since I have read that TEMPOE , LLC had been charged with fraud and was hoping there was another way around this issue. They responded by saying I need to contact the District Attorney 's office ( I will do this after finishing this ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX and XXXX XXXX XXXX Account number : XXXX 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.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Product: Credit card or prepaid card

I have my minimum amount due set up on automatic bill pay. I have made no purchases on this card the last 3 months yet my minimum payment due fluctuates. I was charged a {$27.00} late fee for being short {$10.00} on my XXXX statement. 

XXXX min payment due XXXX XX/XX/279 XX/XX/276 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home Equity Loan with Wells Fargo has been paid off. I recently reach out and provide credit bureaus agencies documents of my Home Equity Loan has been paid off. It should've been reported to all three reporting agencies XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX Document By U.S. Department of Housing and Urban Development indicate Payoff to Wells Fargo Bank N.A. in the amount {$43000.00} XX/XX/2020 2020
Product: Debt collection

I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). Despite my specific and legally backed request for a manual reinvestigation, Experian has relied on automated processes such as e-OSCAR, which does not meet the requirements of a reasonable reinvestigation as outlined by the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ).

Violations of the FCRA : Failure to Conduct a Manual Reinvestigation ( FCRA Section 611 ( a ) ) : I specifically requested that Experian conduct a manual, consumer-specific reinvestigation for each disputed item on my credit report. Automated systems like e-OSCAR are not sufficient to meet the FCRAs requirements, as they do not account for the unique circumstances of each dispute. My dispute specifically demanded that Experian : Review each disputed item with human oversight.

Consider the full context and supporting documentation I provided.

Conduct independent verification beyond reliance on furnisher responses.

Despite this, Experian continued to rely on automated systems, violating FCRA Section 611 ( a ).

Failure to Address Unauthorized Hard Inquiries ( FCRA Section 611 ( a ) ) : I disputed several unauthorized hard inquiries that should have been removed from my credit report. Experian failed to remove these inquiries or provide proof of their legitimacy, further violating FCRA Section 611 ( a ).

Failure to Correct Inaccurate Information on Multiple Accounts ( FCRA Section 611 ( a ) ) : I identified several inaccurate late payments, charge-offs, and incorrect account statuses on various accounts, which Experian failed to reinvestigate properly.

Requested Resolution : I am now demanding that the CFPB require Experian to : Delete all inaccuracies from my credit report due to their failure to perform a proper manual reinvestigation.

Ensure that all further responses are sent via certified mail with return receipt requested, as per my original demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed you will find two letters : 1. XXXX XXXX Security Freeze   Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX I was contacted by an individual and encouraged to invest increasing amounts in a cryptocurrency investment scam. I was guided to transfer funds from my bank account to Crypto.com, then to send it to a wallet address guided by customer service on an an app called encryption.com accessed from XXXX XXXX. The money was then invested in a fake account and returns were posted, but in reality the funds were routed though XXXX and other exchanges and were never returned. Culpable companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other exchanges which laundered the stolen funds. All told, I lost {$170000.00}, {$160000.00} of which were transferred through American banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

I opened an account with Bank of America and in that face to face process explained i can not use my street address and not comfortable to give it out. Where i live the people on the street take mail from mail boxes, break into cars amongst many forms of vandalism and theft. I explained it is imperative that my account be noted to 'NOT MAIL TO THE STREET. ' Because I am FORCED to give a street address I am at risk. 

This complaint is to exemplify that all the double text codes and call codes, passwords and verifications FORCED upon people are null and void ... nothing short of pure harassment that is only protect for the banks and little to zero protection for the consumer. I was trying to view last years downloadable spreadsheet format for 2019 tax purposes and the online system is not easy to use. ( ALL BANK AND CREDIT CARD ONLINE SYSTEMS SHOULD FOLLOW EXACT SAME FORMAT SO PEOPLE CAN NAVIGATE EASILY ) _. So i called in and asked the bank be sure to cancel any mistakingly ordered paper statements in my trying to figure out how to get a download version. 

The statement being mailed to the POB would have been ok and something I could over look ... that the bank didn't head my request to NOT mail paper. But no, my statements were mailed to the street address that i have more than once, verbally and in writing, have requested DO NOT MAIL TO THEW STREET PEOPLE ON THE STREET USE IT FOR TOILET PAPER OR ID THEFT. But Banks do not care ... they say that the FEDERAL GOVERNMENT " requires '' they only use a street address. IS THAT SO?

So the government is on the band wagon to terrorise consumers and put our personal credit at risk? Not only are consumers FORCED to divulge our complete social, mail address, phone numbers, birthdate to people in other countries but now our government is making banks use street addresses that are given solely as reference when someone live in a high crime area?

XXXX XXXX XXXX!!!!!! you guys i am calling the bull  XXXX card on this one. Are you on the consumer 's side at all? Who the heck is supposed to protect us? 

We have no one and you guys are allowing the banks, insurances and even foreigners in foreign countries more rights over our own private information than ourselves. 

LAYER UPON LAYER of security in texts, codes, emails and passwords for everything we do and you will FORCE us to jeopardize our credit files over something so prehistorically ignorant as a street address? 

XXXX XXXX XXXX!!!!!!!!!!! 

This must be rectified ASAP
Product: Student loan

XX/XX/XXXX and XX/XX/XXXX XXXX XXXX report to my credit bureaus. I was 90 days and 120 days past due when I was in fact only 60 days past due accordingly to my online account with them. I did contact them I was told unfortunately they where unable to fix the account once reported I find.that hard to believe. I currently pay on time and when if cant they give me forbearance and deferments. On my credit report it shows XXXX XXXX XXXX current and then all of a sudden XXXX 90 days past due and I spoke to them in XXXX and got approved for forbearance then all of a sudden XXXX 120 days past due makes no sense that they report current then jump to late and refuse to fix. I attached the copy from XXXX XXXX showing I was approved XX/XX/XXXX to XX/XX/XXXX. Per there documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the 3rd party Factor Trust an requested my files frozen XX/XX/18 due to identity theft by fax, I also sent a copy of my lease & drivers license as I did all companies on the same day. the fax was received confirmation # XXXX. I received a letter from Factor Trust requesting another copy of my id & social security number. I sent required documents that where accepted on there website. However they still have not froze my files. Which contain inaccurate information, this is a 3rd party & they do not have authorization to share my information. I am requesting this security freeze asap. For this has caused me multiple denials due to the inaccurate reporting they are providing,
Product: Mortgage

I have contacted Flagstar Bank several times this year of 2021 in regards to Flagstar Bank reporting inaccurate information on all three of my credit report this inaccurate information is affecting my credit score. I was told by many of Flagstar Bank Customer service rep & managers that it is not anything they can do to correct any errors or move any money in my account to reflect corrected amounts of payments I have made or dates of when payments were made on my behalf, in due to issue being over 60 days old I was unable to challenge this inaccurate information then I was told I should have called about these items then it was too late to correct their wrongdoings now. in that, they do not have to remove or correct any errors on their behalf they stated that they also can see that I have tried to dispute some of the accounts but only two payments were correct on my XXXX  credit report only # 6 late payments still stays as of today with XXXX  credit report. My XXXX, XXXX  credit reports are also showing # 7 Late payments which this information is not true or accurate.