23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint against IC System for re-aging an account in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This action appears to be an attempt to unlawfully extend the reporting period of a debt on my credit report, which is both misleading and harmful to my financial reputation.

Under the FCRA, specifically Section 605 ( a ), a debt can not be reported on a consumer 's credit report for longer than seven years from the date of the first delinquency that led to the account being placed for collections, charged off, or similar action. Re-aging a debt by altering the original delinquency date is illegal and constitutes a direct violation of federal law.

Details of the account : Creditor Name : I C SYSTEM Date of Alleged First delinquency : XXXX  This action by IC System has negatively impacted my credit score and financial standing. I believe this was done deliberately to circumvent the legal reporting limits set by the FCRA. I am requesting that the CFPB investigate this matter and ensure that IC System is held accountable for any illegal actions. I have disputed this item and it was taking off my report previously and now it back on my credit report.

As a resolution, I am asking for the following : Deletion of this account from my credit report.

Statutory damages in the amount over {$1000.00} in damages. 
Assurance from IC System that they will cease and desist from any further unlawful re-aging practices.

Any other remedies deemed appropriate under the law. I have proof from my credit report.

Thank you for your time and assistance.

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

Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.
Product: Checking or savings account

I discovered XXXX XXXX XXXX  checking account ACH withdrawl/tranfers to an account at Goldman Sachs ( which I did not authorize. Nor did I open the Goldman Sachs account ). XXXX 's Theft Investigator learned that an account was opened at Goldman Sachs in my name. The amount taken was {$53000.00} on XX/XX/year>. It was returned to my account on XX/XX/year> thanks to XXXXXXXX XXXX  investigator 's involvement. XXXX learned today that Goldman Sachs flagged the fraudulent account as suspicious and closed it.
Product: Credit reporting or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion report.
Product: Student loan

I applied for direct consolidation loans under Navient using the Dept of Education student loan website which linked to my 2015 IRS. I received confirmation that my direct consolidation loan requests with Navient were received with estimated payments under the REPAYE program ( which I also submitted the documents to apply for REPAYE ) of approximate {$220.00}. Despite confirming the processing of everything, confirming the accuracy of the information and receiving the paperwork with the REPAYE estimated amount, I now have a bill of {$1200.00} which is not based on the REPAYE amount. Further, my private loans under Navient with the standard payment of approximately {$720.00} now shows {$0.00} due, which would be great, if it were correct. In the end, my monthly student loan from Navient should be approximately {$950.00} not {$1200.00}. This is ridiculous, I had to call them so many times to confirm everything was received and processing correctly. Their practices are unfair and deceptive as they do not properly process the loan terms and put the consumer at risk of significant credit and financial harm. I can barely make {$950.00} and can not pay {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX, Equifax and XXXX have been reporting multiple entries on my credit report incorrectly. Equifax continues to report on accounts that have been closed for 6 years with current activity there are 3 in particular that enrage me. they are XXXX XXXX  accounts and a XXXX  account, and they refuse to correct or update or delete my accounts. They just send a fake letter saying they have investigated the items when they haven't. The other bureaus just continue to report incorrect dates of last activity or just don't investigate at all. I have sent my investigations to the bureaus for the last 8 months and they refuse to correct my credit report. I sent another round of investigations today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my Transunion consumer report I've noticed fraudulent accounts reporting that doesn't belong to me. These companies purchased and shared my personal information without my consent which is fraud pursuant 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. These accounts are negatively impacting my credit score limiting my ability to have any potential relationships with any lenders or institutions.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have listed below. 
account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX .This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting if not deleted.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2021, I logged into my account at Xoom.com, which is a subsidiary of XXXX XXXX , XXXX Xoom advised that there was a compliance problem with my account and that I needed to call Xoom to clear it up. I called several times that same day and the following day, and after more than 5 hours of speaking with Xoom representatives, supervisors, and other Xoom employees, none of such Xoom agents were able to provide an explanation of the pending compliance issue or resolve the problem. 

On Wednesday, XX/XX/2021, I received an email from Xoom, which read, in part, " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your Xoom account. This decision is final and can not be appealed. '' And after speaking with Xoom and XXXX customer service representatives after receiving this email, they continued to be unable to provide additional information or resolve the problem. 

People I talked with included XXXX ( who was rather rude and repeatedly talked over me ), XXXX in compliance, and XXXX, who is a supervisor in compliance who was also unable to provide assistance. I have also reached out directly to XXXX by phone but they have been unable to resolve the issue. 

I am specifically complaining of what appears to be ineffective, arbitrary, and potentially illegal compliance methods and procedures by Xoom and its affiliates. The matter is further disappointing because I have had long standing personal and business accounts with XXXX and such accounts continue to remain in good standing. I would appreciate the CFPB 's assistance in learning the specific reason why my account has been closed and ensuring that the account is re-opened and returned to good standing. 

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

Upon checking my credit report for a mortgage preapproval, my real estate agent advised me to report these fraudulent accounts. 

Company Name : XXXX  ; Account : XXXX ; Amount : {$2100.00} Company Name XXXX XXXX XXXX  ; Account : XXXX ; Amount : {$150.00} Company Name : XXXX XXXX ; Account : XXXX ; Amount : {$220.00}
Product: Student loan

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate HowXXXX it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX XXXX XXXX XXXX  sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

will not provide a itemized list of charges for my review debt is 41/2 yrs old
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint within 4 business days of receiving said complaint. 
The following item resulting from the identity theft that should be blocked and deleted, by Equifax. 
NAME : XXXX XXXX XXXX, XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Public records : Bankruptcy : XXXX XXXX Filed on XX/XX/year> reference number : XXXX, ACCOUNTS : DEPT OF ED/XXXX  XXXX {$100000.00} XXXX XXXX XXXX  Account number XXXX {$0.00}, EQUIFAX XXXX {$0.00}, EQUIFAX XXXX {$0.00}, BANKRUPTCY XXXX  XXXX Reference number XXXX XXXX, XXXX XXXX XXXX  XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX XXXX  {$6700.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I, XXXX XXXX XXXX, have been putting an excessive amount of transactions on my credit builder credit card with XXXX as of the last six months ; and I havent seen much improvement from these credit bureaus. I make a conscious effort to make sure that if the transaction can go on that card ; I put it on that card. And my XXXX credit report is showing 20 Hard inquiries will my TransUnion is only reflecting 11. I think these credit bureaus are playing with my credit score. Keeping it low out of discrimination reasons because Im XXXX XXXX. Everything thats negative on my credit report is minor. Nothing major going there. Like $ XXXX of debt total outside of my auto loan. So Im thinking that my score should be about XXXX points higher than where it is right now. Then lets not even talk about what XXXX is over there doing. They got my score under XXXX while the other two are at a XXXX range. I want to get this resolved immediately ; because Im trying to get approved for both a personal and a home loan very soon. Thank you very much for your time ; and Happy Holidays. 

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

Initial Reporting ( Dates and Companies ) : On [ specific date ], I reviewed my credit report and discovered several unauthorized accounts reported by various companies, including XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX 
The accounts listed were reported without my consent and contain inaccurate information. 
Unauthorized Accounts : XXXX XXXX : Reported without my consent. 
XXXXXXXX XXXX XXXX : Reported without my consent and inaccurately reflected my credit usage. 
XXXXXXXX XXXX  : Reported without my consent. 
XXXX : Reported without my consent. 
XXXX XXXX XXXX : Reported with an inaccurately stated late payment. 
XXXX : Reported with an inaccurate balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Reported as an unauthorized collection. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported without my consent. 
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reported as an unauthorized collection. 
Actions Taken : On [ specific date ], I contacted each company to dispute the unauthorized reporting and inaccurate information. I requested verification of the accounts and submitted evidence of my claims. 
I also filed a dispute with the credit reporting agency on [ specific date ] and provided them with documentation to support my claims. 
Response from Companies : As of [ specific date ], I received no satisfactory response or resolution from the companies involved regarding the unauthorized reporting or the inaccuracies on my credit report. 
Financial Impact : Due to these unauthorized reports, I faced potential financial repercussions, including denied credit applications and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


Common wealth {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80000.00} XXXX 2014 XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. 

The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report. Violated 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to share my information. These accounts are fraudulent XXXX XXXX XXXX  XXXX # XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX # XXXX AMOUNT {$8000.00} OPENED XX/XX/XXXX Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX
Product: Debt collection

One Main Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX continues to use harassing tactics by calling from multiple branches throughout GA and AL. I have received 9 calls from various numbers since XX/XX/19. I have looked up every number and they all say One Main Financial. As I block a number, they call from a different location.I have spoken with them several times to voice my concern about the harassing calls but they continue. They told me they can call several times a day. I have gone online and scheduled a payment for XX/XX/XXXX. I owe {$320.00}, I've scheduled a payment for {$250.00} today online. Leaving {$78.00} balance to make me current. The payment has to show on their end. I can't believe that they have continued to call me additional times today, XX/XX/XXXX, since I set up the online payment. The calls come from different branches. The numbers they have called from so far are attached.
Product: Debt collection

Alpha Recovery Corp. has contacted family members on their personal cellular phones to discuss debt collection of my personal debt. When they have been successful in contacting my family members, they have threatened and harrassed them. They have also left threatening and harrassing messages on my personal home phone line and cellular phone.
Product: Debt collection

I never received a letter from this company about a debt i supposedly owe. I receive documents about my   XXXX   bill for  XXXX . I only had one account with  XXXX . This company   XXXX   XXXX   Opened  XX/XX/XXXX  is reaging my credit debt. I only had my one account which was in  XX/XX/XXXX . This company saying i open this in  XX/XX/XXXX  of this year. you can look at my inquiries and see i never applied fo   XXXX    services in  XX/XX/XXXX  nor   XX/XX/XXXX   nor  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and TransUnion for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against XXXX and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with the following details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, XXXX and TransUnion continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within 30 days. If they can not verify the information, they are obligated to delete it. XXXX and TransUnion have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account. 
2. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither XXXX nor TransUnion has provided the required documentation, further violating my rights under the FCRA. 
3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX XXXX XXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, XXXX and TransUnions continued reporting of the account suggests negligence in ensuring the accuracy of the information. 
4. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of XXXX and TransUnion. 

Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : 1. Direct XXXX and TransUnion to delete the inaccurate charge-off account from my credit reports. 
2. Conduct a thorough investigation into XXXX and TransUnions non-compliance with the FCRA.

3. Enforce penalties if necessary to ensure compliance and protect consumer rights. 

I trust that the CFPB will take the necessary actions to ensure that XXXX and TransUnion comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.