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

I am filing this complaint to inform you of Equifax willful noncompliance with the Fair Credit Reporting Act, Equifax continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. Equifax continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure Maximum possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the stress it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXXXXXX XXXX XXXXXXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

i have identied information on my report that are a result of identity theft these account do not belong to me XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry were made by a company
Product: Debt collection

XX/XX/year> I received collection notice from XXXX XXXX XXXX. 

XX/XX/year> I responded Certified Mail with Cease and Desist letter redquesting validity of debt as outlined by FDCPA Laws Rules and Regulations. 

XX/XX/year> XXXX XXXX XXXX responded without fulfilling my request to include proof of debt puchase and laws governed by FDCPA concerning third-part collections.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : [ Date of Charge-Off ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to access my credit report since XXXX. However, I am unable to do so. I paid XXXX XXXX to monitor my credit. My information was compromised years earlier ... a leak of information occurred at XXXX XXXX XXXX. I was informed that I should put a freeze on my credit file. I thought that I was successful. However, I have been informed that my ssn # was in fact used for at least XXXX loan ( possible car loan ) and possibly a credit card. I filed bankruptcy in XXXX. I have no credit cards. Furthermore, I haven't had a driver 's license since XXXX! I don't own any vehicles. I've only lived at my current address since arriving in XXXX. 
Please help me resolve this problem and remove any bogus items on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud. The account was deleted in XX/XX/XXXX. The account was reposted on my credit report back in XX/XX/XXXX. This account is not mines.

OTHER LOANS 1. XXXX XXXX XXXX   {$4100.00} These inquiries were deleted once and were reposted almost a two years later.

Inquiry details XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Bank Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts are current yet my credit score reported byTransunion is XXXXand XXXX  is XXXX. My score is is usually mid 600 as it were XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Information on a credit report I am writing to dispute the following information from your companies I am writing to dispute information on my [ credit report/account ] that has been compromised as a result of a data breach. It has come to my attention that personal information of mine has been exposed and possibly misused due to this breach. As a result, certain accounts or activities on my credit report do not accurately reflect my authorized actions. 
My social security information was exposed and misused by someone As this data breach was beyond my control, I request that you investigate the affected account ( s ) Equifax XXXX XXXX XXXX XXXX XXXX XXXXand take appropriate action to correct or remove any fraudulent entries linked to this breach. I also request that you block any information resulting from the breach in compliance with the Fair Credit Reporting Act ( FCRA ). 

I have been notified of this breach by, and I have taken steps to mitigate the potential damage, including such as freezing your credit and reporting fraudulent activity. A copy of the breach notification or any related documentation is attached for your reference. 

Please notify me of the actions taken to resolve this matter. I look forward to your prompt response and the necessary corrections being made to my account/credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have approximately 12 or 13 cash app accounts personal business and my daughters account. Someone keeps taking over my accounts changing cash tags, verification methods, and or closing after the money has been removed. Identity is verified on all but one and that one has been opened before verification was needed. Then there is obviously inv of privacy XXXX XXXX is evident in the names of XXXX, XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX i was an unsuspecting victim of fraud from a loan company. They were supposed to deposit a loan of XXXX by thr end of the day thru ACH. Instead they logged into my chase account and made a mobile deposit of a fake check. Chase revoked access to my account once that happened and i was able to get back into my account wmd was told to go inside the branch and create a new account due to being hacked. Went to a branch wnd was able to get a new account and routing number. On XX/XX/XXXX i woke up to being locked out of my account again. I was told i was not allowed to do business eith chase. No other explanation. 
I have called the fraud department went inside for a manager etc. i was told originally they could see someone logged imto my account that wasnt me to deposit thr funds XXXX now im being punished for being a victim of a scam.
Product: Debt collection

Ive disputed these collections, sent letters to Wakefield asking to verify and validate the bills belonged to me they sent record of charges and nothing more, they are affecting My ability to move forward, I am constantly contacted by them by phone which caused me to send a no contact letter to them as well, the credit beauraus has failed to honor my disputes, I have no knowledge of these accounts. They also violated my rights by sending a medical packet with services and locations of services with drs names attached, when I did speak to a rep they harassed me about why I did not pay my bills, I was furious. I recently tried to purchase a vehicle in which the bank acknowledges Wakefield and associates on my credit file, this Company will not remove bc these accused debts! Please help me as a single Mother I am struggling to get my life in a order because of this third party company who claims these medical charges are mine!
Product: Mortgage

On XX/XX/XXXX I reached out to our city 's tax office to determine the amount of taxes we should be paying per quarter. They emailed Mr. Cooper on XX/XX/XXXX saying " The assessed value of this property is currently {$170000.00}. With our tax rate at XXXX, that equates to annual property taxes of {$9200.00}, or approximately {$770.00} per month. '' They attached a copy of the XXXX taxes billed, showing first and second quarter. We determined that we XXXX have over billed them based on an incorrect assessment. Our monthly increased by {$2000.00} and we were trying to determine why. 

On XX/XX/XXXX I sent a follow up email after not hearing back from the email on XX/XX/XXXX saying explaining that our escrow analysis was saying that we have an escrow shortage of {$11000.00} which is well above our XXXX annual taxes of {$9200.00}. In another spot of our account, it is saying we have a shortage of {$980.00}. I was confused about the different shortages we have and also confused how we have a shortage when it says we have {$8300.00} balance in our escrow account. I attached screenshots of what I was seeing as far as our escrow balance goes and requested a statement showing where we are short. I requested a phone call. This email went unanswered On XX/XX/XXXX We received a statement from Mr. Cooper on XX/XX/XXXX saying that we would hear a response back from them by XX/XX/XXXX but still haven't heard back and our loan still hasnt been corrected. I reached out to the tax office to see if they heard anything but Mr. Cooper never answered their emails. 

On XX/XX/XXXX I reached out to the tax office again asking if they ever heard back from Mr. Cooper but they had not. They said they have not heard back but Mr. Cooper had paid the exact amount owed for the taxes on XX/XX/XXXX It is now XXXX and our monthly payment has dropped by {$1000.00} but we are unsure why. Last time our payments dropped, they issued us a check for {$14000.00} and then began overcharging us the following. I am nervous this is going to happen again and would rather them communicate with us and the tax office to bill us correctly.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY CREDIT REPORT 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: Checking or savings account

I went to Chase bank to deposit a check on the XXXX of XX/XX/2022. The check was verified on XX/XX/2022. The check cleared in my account. The bank decided to close my account. Now they will not release my funds to me. They refuse to send the funds back to the issuing bank where the check came from. I have spoken to multiple people at chase customer service and in person at the actual branch. I have been told by multiple people that the check was verified and cleared. I have also spoke with the company that sent the check to me in the first place and they have also told me Chase Bank verified my check on XX/XX/XXXX through their website and cashed the check on XX/XX/XXXX. The customer service reps have been very unhelpful and rude. They refuse to give me an email to corporate or a phone number. Chase Bank is also refusing to call the company who sent the check. Chase customer service has told me plenty of times they do not have to release my funds to me or the company the funds came from. They have also informed me that they will keep my funds as long as they can! I have all the proof and documents I need to prove they will not release the funds to me. I also have proof the check has been verified, cashed and cleared by chase bank. I was able to use {$13.00} on my account when the check cleared and as soon as I tried using my card again they closed my account.
Product: Credit reporting or other personal consumer reports

I received a letter from Mohela on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.
Product: Credit reporting or other personal consumer reports

The account is question is fraudulent. Please refer to attachments. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 card or prepaid card

On XX/XX/XXXX I contacted Macys to purchase a sofa and chaise. I called in online to speak with a representative after applying for credit through the website. A few things happened during that initial call. First, I confirmed with the sales agent, XXXX XXXX, that I would be receiving 20 % off of my purchase. She affirmed and said that the 20 % off would apply to the total purchase price of {$3000.00}. This did not happen and I was instead reimbursed only {$100.00} ( rather than {$610.00} ). Additionally, the wrong sofa was ordered. After numerous mishaps with delivery ( first delivery didnt happen because the item was damaged and refused, second delivery did not have the chaise, third delivery had the chaise in the wrong color, fourth delivery was accurate ), I was charged twice for the sofa portion of the order. This was a purchase totaling {$1300.00} with taxes and miscellaneous charges. My credit limit was raised manually back on XX/XX/XXXX ( which is why I had to call in originally ) to a total of {$3500.00}. By charging me twice for the sofa, I was put over my credit limit on XX/XX/XXXX and reported negatively to the credit bureau. 

When I received my first billing statement I noticed the overage on my account. I contacted Macys customer support ( Case # XXXX - XXXX ) and told them all of the details above. I was told that they would open a double charge dispute which will take up to XXXX billing cycles ( for a total of XXXX ) to resolve. I requested that the cease negatively reporting me to the credit bureaus and remove existing negative information and they refused stating they would not do so until the dispute was resolved. That said, I will now have upwards of XXXX total months of being over my limit despite not and the company refuses to correct this mistake. 

To summarize : Macys is incorrectly reporting me to the credit bureaus for being over my limit. Macys did not apply the correct discount to my initial purchase. Macys refuses to stop negative reporting and removing existing reporting until their arbitrary process to resolve my dispute is finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *CXXXX XXXX XXXX account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING EQUAFAX, XXXX, AND XXXX have violated my rights as a consumer and disregard to the laws set forth in FCRA. 
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.

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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any 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

Transunion, XXXX, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to Transunion or XXXX and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting

EQUIFAX credit factors considered XXXX old collection accounts, which I have cancelled them properly see attachment, and does not consider the antiquity of credit from XXXX XXXX XXXX 's eight years old. I need to re-evaluate my credit rating.