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

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX is writing this complaint in regards to a ongoing matter with FactorTrust Inc that consist of inaccurate personal information that's reported on my consumer disclosure report. I am a victim of Identity theft and the following inaccurate and unverified information should be deleted from my FactorTrust Inc consumer disclosure report pursuant to 15 USC 1681s-2 ( a ) ( 1 ) and 15 USC 1681c ( a ) ( 5 ) if the Fair Credit Reporting Act. Inaccurate Addresses : XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX WI XXXX, and XXXX XXXX XXXX XXXX MI XXXX XXXX I have never lived at nor resided at the addresses listed above. 

*Inaccurate phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, & ( XXXX ) XXXX *Inaccurate Employment : XXXX XXXX XXXX XXXX XXXX names : XXXX XXXXXXXX XXXX & XXXX XXXX XXXX *Unverified Accounts : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act : *15 USC 1681 ( a ) ( 4 ) states : A consumer has the right to privacy.

*15 USC 1681b ( a ) ( 2 ) states : A consumer reporting agency can not furnish a account without written instructions.

*15 USC 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any item of information, other than convictions of crimes which antedates the report by more than seven years.

*15 USC 6802 states : No financial institution is suppose to share my information to third party agencies.

*15 USC 1681s-2 ( a ) ( 1 ) states : 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. It is evident that FactorTrust Inc failed to uphold it's responsibilities in ensuring the accuracy and verification of information reported on my consumer disclosure report. As a result, Im requesting a proper investigation of these items and promptly delete any inaccurate and unverified information from my consumer disclosure report. I trust that FactorTrust Inc will address this matter promptly and in accordance with the federal regulations. Failure to do so may result in further action to protect my rights as a consumer. I appreciate your attention tothis matter and look forward to a timely resolution.
Product: Money transfer, virtual currency, or money service

I was scammed by this person. He sent me a check for {$3100.00} and then asked me to send money to some people through XXXX from Wells Fargo and also get some gift cards for them. I filled a complaint on XX/XX/2020 to the bank and they said the check was fake. 
On XX/XX/2020 they said they can't refund me my money because this was a scam and they can't help. They didn't help me to track the transactions as well. I went to Wells Fargo bank in XXXX and they told me to contact their customer service and they said they can't help with a scam.
Product: Credit reporting or other personal consumer reports

This message is to the CFPB and to the FTC to formally investigate Experians handing of my legal rights under the debt bondage act protecting victims of human trafficking. I am now attaining a lawyer and plan to fight not only for my rights but women like me that this law is supposed to protect.

While other credit bureaus have already verified and handled the situation with respect, Experian has not. The law is not up for Experians interpretation.

Under the law Experian is required to block all disputed accounts as identified under the debt bondage act within 4 days while they investigate. Experian has failed to do so. It has been 20 days since I initially filed on XX/XX/XXXX. 

I started calling Experian XX/XX/XXXX because I had not heard back from them. I finally got a hold of someone that said Experian had communicated by mail on XX/XX/XXXX that my application was denied. I asked why? It was stated that they couldnt verify my XXXX. 

This is completely unacceptable. Experian needs to hire a team that is experience with this sensitive topic and actually knows the law. 

XXXX. I have asked repeatedly that Experian not contact me though mail as I do not always receive my mail. I have asked to be emailed correspondence. It can be dangerous to communicate with victims this way as we often jump house to house or have people checking our mail. 
XXXX. Experian has failed to do their due diligence and has instead stated over the phone ( not in writing via email ) that they decided that my XXXX does not qualify. A quick XXXX search would have shown them that not only does the XXXX that signed my paperwork qualify ( which by the way- experian doesnt get to determine that ) but they are XXXX of the oldest XXXX  in the United states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has been around since XXXX. Not only do they provide resources to human trafficking victims and fight to proetc victims but they are also part of a group of about XXXX XXXX  that lobby for human trafficking victim legislation to be passed federally. The reason XXXX signatures were added to the law as verifiable sources in the first place is because MOST instances of human trafficking go unreported to law enforcement out of fear and safety. If this is not upheld you have a large number of women and children that suffer in silence when laws like these are made to protect us. The law is written the way it is for a reason by legislators that understand human trafficking and the sensitivity of the topic. Its not up to Experian to try to make their own interpretation of that law. By doing so you are perpetuating the abuse women like myself have already had to endure. 

I have submitted everything required by law XXXX. Identification ( drivers license submitted ) XXXX. Letter of what items to be blocked XXXX. XXXX attest letter signed by ngo ON the template Experian has requested. 

This will be my last attempt to solve this matter without legal representation. I am asking you follow the law and block these items within 4 days.
Product: Debt collection

I called XXXX at XXXX Apartments for the amount of {$2200.00} in debt on my credit. I asked for information on this debt, proof of notice being sent out to me for this debt against the fair housing act and I was told that this was sold over to a 3rd party. After many attempts to speak with someone, disputes this claim through XXXX XXXX I never received a call back from the property. I then received calls from a 3rd party vendor harrasing me to pay the full amount with credit card and it will then fall off my credit in a week. I called the apartment complex to inform them of the call I received and to verify who the account was sold over to and I was told thats not information they can provide. Please remove this off of my credit as my attempts to gather information, settle this disputes has went unrecognized and sold to different agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the XXXX XXXX credit card Charge Off and balance for XXXX years now with XXXX and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the XXXX dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.
Product: Payday loan, title loan, or personal loan

I contacted the Branch Manager in XXXX XXXX, LA ; XXXX XXXX and informed him of my current job status. Informed him that I am struggling to pay the full amount of the loan payments at this time. It would help to lower the payments. He informed that he will proceed with legal actions and wanted confiscate the collateral ; but I informed him that it has been pawned. He informed me it is against the law.. However I needed the funds to stay afloat. He made arrangements for a {$110.00} payment on XX/XX/XXXX. But says he still will pursue legal action.
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 NOTICE! of inaccurate unverified and fraudulent reporting resulting in great pain and suffering for the last 10 years due to fiduciary irresponsibleness Regarding all claims/inquiries/ on my credit report I request a copy of a 1099C regarding these inaccurate debts The Department of Education is reporting on my credit report I have the right to report The Department to the IRS and to sue for fraud and damages The Department of Education has been non compliant and unresponsive to my many attempts to resolve these inaccurate reportings and mulitple FDCPA violations. 
Pursuant HJR 192 of 1933 " The Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My rights are being violated by the following credit reporting agencies Equifax, XXXX and XXXX. I never gave them any consent or any written authorization to report any of my private or personal information. By law ( Bad Credit is illegal ) according to 15U.S Code 1681b ( 2 ) CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : Permissible purpose of Consumer Reports : In accordance with written instructions of a consumer to whom it relates or an order, a subpoena issued in connection with proceeding before a Federal Grand Jury. I have tried to get this matter resolved serval times and have been unsuccessful. This is affecting me mental and financial and this is also discrimination of my credit history creditworthiness according to the law 15 USC 1691 scope of prohibition : I demand that all accounts and inquiries are reinvestigated for the proof of my authorization of my written consent I demand the removal of all items. For Each Violation that is not reinvestigated you will owe me {$1000.00} for each Violation found. # fcraviolation # fdcp # consumerlawsrights # consumerlawsrights FCRA SECTION 604 ( a ) since there's no written consent that's considered identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union never properly investigated the issue of reporting inaccurate information about me on my consumer report and for that reason Ive been experiencing hardships on progressing in life due to the account from XXXX XXXX that was never validated nor properly investigated has impeded me in accomplishing goals
Product: Checking or savings account

I had accidentally approved a payment to the department of education for my student loans and while it was still pending in my account, I called XXXX and they told me to call Chase to put a stop payment order on it. The charge was pending in my account and I told the gentleman to put a stop payment on it and he also mentioned that even if its in a pending status that they can still stop it. They never mentioned that it was going to be their best efforts, he actually said theyre going to stop the payment in the phone call. XX/XX/XXXX at XXXX XXXX cst is when I called Chase to put the Stop payment order. I woke up this morning XX/XX/XXXX and the payment of XXXX came out of my account even though when speaking to the Chase representative, he can clearly see the pending charge on my account and I never even had to give him the name. He typed it all our for me.
Product: Debt collection

On XX/XX/XXXX I had XXXX XXXX XXXX XXXX due to XXXX It was the most deviating thing that has ever happened to me. I did everything in power to give that i could to help my brother but it was to no avail. Unfortunately because of this tragedy I didn't notice I wasn't paying for the Barclays account that I opened on XX/XX/XXXX. Still in the stage of grief I let my Barclays account go into collection. That account is the only collection and the only negative account I have on my report. Ive tried calling the bank personally and explaining what happened, nothing. Ive tried calling the credit bureaus to explain the situation and still nothing. Please, like I said this is the ONLY negative account i have on my report and it is greatly hurting my financial future.
Product: Debt collection

Hello, I just finished talking with 6 different representatives at 3 different offices about an alleged debt that was sent to them. They couldn't verify the SSN and reporting the wrong balance. The credit bureaus are saying that I owed {$390.00}, however, when I call them they kept saying that the balance is {$0.00}. Again, : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a dispute letter over a month ago ( XX/XX/2022 ) and I was expecting you would give me some kind of response since that's what the FCRA requires you to provide an update within 30 days but I don't know what happened it seems I need to seek help from CFPB first before it gets noticed.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit card or prepaid card

I noticed a random {$68.00} charge on my Capital One months ago, Capital One claimed to have resolved it but got it rebilled. 

I contacted them again and they had me fill out a form which I submitted, only to have them rebill it again. 

I called and they removed the transaction and rebilled me AGAIN!!! 

If that wasn't bad enough they allowed an extra {$68.00} charge so now theres two!! 

What the XXXX is going on?!
Product: Mortgage

On XXXX XXXX, we started our process to get a construction loan approval with BBVA Compass in XXXX, TX. After giving all our information and running our credit we received pre approval for a loan. The loan officer then quit. XXXX from XXXX office referred us to another loan officer who was not qualified and then after a month finally referred us to a XXXX XXXX out of the XXXX, TX. We submitted our paperwork again in XXXX XXXX over the phone. Every Friday new paperwork was asked to be submitted and was faxed to XXXX XXXX the loan processor. Every month was a new promise of closing by the end of the month. Our credit report has been run about 3 times. It is now XXXX XXXX and we barely received our appraisal ( which we paid {$600.00} ) and have been told it will take another month to close on the loan. After repeatedly telling them and emailing them that our builder has given us a deadline regarding his material prices. Both officers blamed us for submitting paperwork late although we have the emails and fax reports that correlate our promptness. When I finally told XXXX XXXX that we will leave if our loan wasnt expidited and cleared within two weeks. She said it would be best if we leave and go with another bank. Both me and my husband have good credit, good jobs, our property is paid for, and we are only asking for a $ XXXX.
Product: Credit reporting or other personal consumer reports

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX - XXXX - {$960.00} XX/XX/XXXX -Medical Agency - XXXX - {$910.00} XX/XX/XXXX - XXXX XXXX XXXX - {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge Offs XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Payments : -XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXXXXXX XXXX  - XX/XX/XXXX {$10.00}
Product: Debt collection

A debt collection mail was sent to me PennCredit for a debt for XXXX  XXXX  which amounted to {$480.00}. The state of nevada does not use this energy and I already pay the actual energy bill. XXXX  can only believe that this is some sort of scam.
Product: Credit reporting or other personal consumer reports

This complaint has been filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block any information on my consumer credit report that is the result of identity theft and fraud. The fraudulent information includes two apartment leases : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These accounts have led to several fraudulent hard inquiries and collections appearing on my FICO credit report.

I do not recognize these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud.

Ive attached a copy of the FTC Identity Theft Criminal Complaint from the UXXXX Federal Trade Commission as proof that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Couple of my mortgage accounts with JP Morgan Chase were in forebearance between XX/XX/XXXX- XX/XX/XXXX. When the forebearance neared the end, Chase didn't act on time and asked me to make XXXX month of payment on both accounts to defer only 12 months of payments to the end of the loan. I made the payment. Chase sent me the deferment offer letter for both accounts. I accepted the deferment offer on both accounts on XX/XX/XXXX by calling the number provided on the letters. XXXX of the accounts became current right after that and I was able to resume payment on XX/XX/XXXX. I followed up on the status of the other account XXXX and I was told that the deferment is under process. I again followed up on XX/XX/XXXX when I couldn't make payment on this account. I was told by the agent that it is still under process and I'm protected by the forebearance law until the processing is completed. On XX/XX/XXXX, I received alerts from the credit monitoring services that my XXXX XXXX dropped from XXXX to XXXX due to a delinquent mortgage account with more than 180 days late payment. I called Chase to investigate on what's going on with the deferment processing and why the protection was removed. There is no clear explanation from Chase on what happened and why I was penalized for following everything I was asked to do. Later, Chase told me that due to a missed workflow in their processing, my deferment got stuck in a limbo and they found that on XX/XX/XXXX. I was told that the deferment processing has started again but due to their mistake, there was no forebearance protection between XX/XX/XXXX and XX/XX/XXXX. I requested them to reverse the credit reporting which they refuse to make by saying it was appropriate even though they made the mistake. Please note that there was no communication made to me during this time.