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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : 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 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 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 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 Incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXXXXXX account ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the XXXX pandemic, as protections outlined under the CARES Act and 15 U.S.C. 1681s-2 requires leniency for accounts affected by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations. 
XXXX Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the XXXX pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
XXXX XXXX Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$XXXX} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Payment after charge-off/collection Two-Year Payment History : Inaccuracies for XXXX reported as charge-offs. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 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 was in contact with Navy Federal initially on XX/XX/XXXX after noticing that my tax refund would be deposited in my checking account which was closed in XXXX of the previous year, XXXX. I was told by a Navy Federal rep that the account was closed and the funds would be rejected and sent back to the IRS. However, the funds were deposited or forced into my savings account which was still open with a balance of XXXX  XXXXThe deposit amount was {$3800.00}. The funds were immediately disbursed among my charged off accounts that I had with the bank. Navy Federal was made aware prior of my intent to file bankruptcy due my XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who lived for XXXX  months and eventually passed. In addition to going through a divorce. This caused me to have to walk away from my employer of 13 years and I could no longer keep up with my monthly unsecured obligations. I retained an attorney and provided Navy 's information. Upon, contacting Navy with efforts to refund the money to me or the depositing institution ( IRS ), I was denied on many levels. I expressed to many representatives of my dire need of the funds to be able to keep my home in addition to paying some utilities. I finally spoke to a supervisor in the Charge of department. He stated that he can use the funds to settle my accounts and he could refund about {$400.00}, which I was a little hesitant because of the 1099C consequence and I already have an attorney for bankruptcy. I told him will return call. I waited about two weeks trying to search different avenues for the recovery of funds. In this wait I contacted Navy several times to ask questions and also provide me with documentation to reflect my account being closed to have proof that the funds should have been rejected and returned to me. They have refused. So after feeling helpless and desperate, I decided to take them up on the offer to settle. I was told that I would have my checking account reopened after settling my accounts, checking account have a {$0.00} balance and I get up arrangements for the other accounts. My checking account was reopened immediately. I get a call the next day from the same rep stating that they have decided to close my account. I was transferred to a supervisor who said it was done in error and she was in agreement that I did everything necessary to open the account. She reactivated my debit card and told me everything was okay. The very next day, I opened the app only to see the there was longer a checking account. was told that the back office made a decision to close my account. I express how unfair the whole process has been and acknowledged that I owe the bank but they are not holding their part of the deal. I feel as though I was mislead on several occasions from the onset of noticing the funds will be deposited into a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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 #, and I'm including it again. Please update the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

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

I am initiating another complaint to request further investigation into fraudulent inquiries on my credit report. I urge the three Credit Bureaus to carry out a thorough investigation into these inquiries as legally mandated. Listed below are the fraudulent inquiries needing investigation : 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

Account name Consumer Portfolio Svc Account number XXXX XX/XX/XXXX was opened XX/XX/XXXX was closed and paid off Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX No phone number
Product: Credit card

My name is XXXX I was informed by my wife that she was in contact with a debt collection company named XX/XX/XXXX because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that your company never informed me that you purchased this account from Comenity Bank. I believe that your company has violated the FDCPA, first by failing to send me a debt collection notice in the mail to give me the chance to dispute or pay this account, reporting this account to the major credit bureaus without a validation of the debt, and improper sharing of information with a third party. You have also violated the FCRA by reporting this account as open on XX/XX/2016. I am requesting that you to remove that account from my credit file immediately. XXXX can not use abusive, deceptive and unfair practices. I believe that your company has crossed the line and I am preparing a complaint with the FTC. I have already file a complaint with the Attorney General 's Office and the Better Business Bureau against XXXX, and I intend to file a complaint with the FTC and a lawsuit against your company and Portfolio Recovery for violating the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ending in XXXX is listed as a Charge Off account on all all three credit bureaus. The date opened was XX/XX/ and has been reported as derogatory for over 7 years. This must be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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

I submitted a dispute to Equifax concerning inquiries on my credit report. The two items were : XXXX XXXX ; XXXX XXXX XXXX XX/XX/2018 and XXXX - XXXX XXXX XX/XX/2018. 
Their investigation concluded that inquiries are a factual record. Which I received on report # XXXX after their investigation. They also stated I need to contact the creditor from the information they provided for the creditor. 
The information for XXXX has no phone number and the address letter I sent was returned stating " unable to forward ''. The information for XXXX XXXX states a phone number of XXXX which when I called was not their number. I sent a letter asking for compliance to the metro2 compliance and did not dispute the items but asked if they can verify compliance which they state is true but the above examples clearly show they are not compliance of accurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a complaint AGAINST EARLY WARNING SERVICES , LLC in regards the mailing this company is sending to me IS ALWAYS LOST. I REQUESTED EARLY WARNING SERVICES , LLC SEND ME CERTIFIED MAIL IN ORDER TO AVOID " THE LOSING MAIL '', WHICH IS STOPPING MY CASES BE CLOSED LEGALLY. TODAY I CALLED TO EARLY WARNING SERVICES , LLC WITH AGENT CRISTAL, AND SHE TOLD ME THAT EARLY WARNING SERVICES, WILL NOT ANSWER ME ANY OF MY DISPUTES, DESPITE THE FRAME TIME THE BANKS HAVE TO ANSWER ME IS OVER, SHE ALSO TOLD ME THAT EARLY WARNING SENT ME YESTEDRDAY XX/XX/2021 A CORRESPONDENCE THAT I HAVE TO ANSWER IN ORDER TO CONTINUE WITH MY DISPUTES TO THE FRAUDULENT STATEMENTS AND REPORTS THE BANKS ARE MAKING TO MY PERSON. I REQUESTED THE TRACKING NUMBER OF THE MAIL SENT ON XX/XX/2021, AND SHE TOLD ME THAT THEY WILL NOT SEND CERTIFIED MAIL TO ME. I ASKED HER TO ASK ME BY PHONE WHAT IS WHAT THEY NEED IN ORDER TO ANSWER MY DISPUTES, AND SHE TOLD ME THAT SHE WOULD NOT TELL ME ANYTHING BY PHONE. I COMPLAINT FROM EARLY WARNING SERVICES , LLC FOR THE SUSPICIOUS ACTIVITY THEY CREATE IN ORDER TO AVOID TO CLOSE MY REPORTS LEGALLY. IT APPEARS EARLY WARNING SERVICES , LLC ARE COVERING UP THE BANKS IN ORDER TO CONTINUE A HATE CRIME FROM BANKS THAT ARE WRITING AND REPORTING MY ACCOUNTS AND MY PERSON FRAUDULENTLY.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my credit report from Equifax was mailed to me but was addressed to someone else. After checking my credit report the name that was used is not listed under my personal information. A day later another credit report with the same name but this time from XXXX arrived. XXXX explained they couldn't locate my report ( probably because of the wrong name ) so why is Equifax mailing my credit report to anyone who request it? I just removed a fraud alert a day or two prior.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reportingXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XXXX following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XXXX following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

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 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( 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.
Product: Mortgage

Our son passed away on XXXX XXXX, 2015. 
His mortgage was with XXXX XXXX but they sent it to Seterus for processing. 
After sending Seterus our sons death certificate twice, they continue to call our mobile and home phone asking to speak to our deceased son. 
This has caused XXXX to his mother and prolonging her grief leading to a decline in her health.
Product: Credit reporting or other personal consumer reports

In despite of my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I'm submitting this complaint my self and there is no third party involved. 

I XXXX XXXX consumer, natural person and original creditor of an open end credit plan, was denied my right of credit by American Express. 

I was notified of the transgression of my rights specifically 15 USC 1601- The Truth in Lending ACT by American Express on XX/XX/2021 via U.S Mail. 

In order to evaluate my credit worthiness American Express obtained information from a third party who had no permissible purpose to furnish a consumer report. 

Pursuant to 15 USC 1681b ( 2 ) a consumer reporting agency must first obtain written instructions from the consumer to whom the information relates in order to furnish a consumer report. 

As a natural person possessing an open-end credit plan, I was harmed by American Express in the form of an adverse action taken against me by denying my rights as a consumer to benefit from a consumer credit transaction.

Pursuant to 15 USC 1681m ( b ) ( 2 ) ( c ) ( ii ) information used to take an adverse action does not include information in a consumer report.

It would be a violation against 15 USC 1691 to discriminate against me simply because I exercised my rights as a consumer under Title 15 USC chapter 41.

The civil damages for such an action pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to ( {$5000.00} ). 

The civil damages for any violation of 15 USC 1691 are up to ( {$10000.00} ) American Express is now civilly liable to compensate me for the damages.
Product: Credit card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.