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

Equifax, XXXX  and XXXX  is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.
Product: Credit card or prepaid card

This is XXXX XXXX who is submitting this CFPB complaint myself. BRCLYSBANKDE is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( BRCLYSBANKDE XXXX )
Product: Debt collection

We have information to reflect that the mortgage debt was paid in full. XXXX XXXX  XXXX has reported to the credit bureau that the debt was paid in full and there is a XXXX balance. The loan you are attempting to collect on does not exist and was removed from Mortgage Electronic Registration Systems , Inc. on XX/XX/XXXX and has been INACTIVE since that date. According to the MERS integrated system handbook " The process of making a loan inactive on the MERS System including in conjunction with the Resignation or Termination of Membership. A loan is deactivated if the debt no longer exists, or the loan is assigned out of MERS. The following deactivation transactions are available : Paid in Full ( includes payoff, deed in lieu, short sale, etc. ) Transfer to non-MERS Status Involuntary transfer/default by Servicer Involuntary transfer/default by Subservicer Foreclosure Complete Deactivate-Assigned from MERS for Default or Bankruptcy. According to Mortgage Electronic Systems, Inc records, XXXX XXXX, XXXX is an ACTIVE member of MERS. Therefore, according to the Mers integrated system handbook, the new servicer should have changed the min number to reflect the new information and the loan should not have been transferred off the system unless the loan was paid in full. 
The MERS automated system indicates that this mortgage was transferred off of the MERS system on XX/XX/XXXX and rendered INACTIVE. Although the mortgage was transferred off the system and closed to show INACTIVE at this date of XX/XX/XXXX, the assignment of mortgage remained in Mortgage Electronic Registration Systems, Inc name. The assignment of mortgage remained in Mortgage Electronic Registration Systems , Inc name until XX/XX/XXXX, when Nationstar Mortgage executed an assignment to itself from Mortgage Electronic Registration Systems , Inc. This is 3 years AFTER the loan was INACTIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

At approximately XXXX CST, on Monday XX/XX/2021, I received a notification from the Experian Credit Monitoring app on my XXXX. The notification stated that a hard inquiry was provided to XXXX XXXX XXXX. I have not authorized any inquiry, nor have I applied for any new credit cards or loans, nor have I requested a credit increase from XXXX XXXX XXXX. I have have not applied for any credit cards or loans backed by XXXX XXXX XXXX that may be presented as a branded card ( for example a department store card, or a rent-to-own loan ).

I immediately followed the steps outlined on my Experian account dashboard and found that disputing an inquiry must be done over the phone, with Experian. The fruitless call that followed ended with the Experian dispute center representative stating that no credit pull would be authorized without some type of certification showing that the pull is authorized, therefore, XXXX XXXX XXXX must have had authorization and if I have issue with the inquiry on my report, I should contact XXXX XXXX XXXX and request an investigation. 

I should also mention that I have not had an account with XXXX XXXX XXXX in nearly 20 years. Their help line requested an account number and transferred me multiple times until I finally reached the " Fraud and Security '' department ( this was after several attempts and being disconnected while on hold ). When I reached a human being, they tried to look for any documentation of an application using my personal information, such as my social security number, and found nothing. I was advised to contact Experian once again, and when I did, was given the same direction as the first person from their dispute department.

My second successful call to XXXX XXXX XXXX yielded similar results. Because I have no account with XXXX XXXX XXXX, there is evidently nowhere to look for an application. I requested to speak with someone from their fraud department. I was told the same again- because I have no account, there is nothing they can do. They did confirm that they could not find any sort of application or request for my credit report. The representative from XXXX XXXX XXXX then denied that any inquiry was actually made, and suggested that Experian was providing inaccurate information. My credit score did decrease immediately following the notification, so to me, it seems to be very real.

Growing increasingly concerned that my identity had somehow been stolen, and perplexed at how Experian could insist that XXXX XXXX XXXX  had received a " hard inquiry '' of my credit report, I'm now left to wonder who can provide me with assistance. I feel that Experian specifically has failed to protect me, and that XXXX XXXX XXXX has failed to exercise due diligence in ensuring there are no fraudulent attempts to steal a person 's identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by Equifax. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX  has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Product: Credit card

I was contacted today by phone and told that someone used my SSN to apply for a Bank of America credit card. I was surprised to find my XXXX in the public domain. 

The caller identified himself a being with BOA XXXX XXXX, XXXX XXXX. He asked, and I agreed he could pass this to CFPB. 

The caller identified himself as XXXX XXXX with CFPB. He provided the following : CASE ID XXXX CONFIRMATION # XXXX PHONE XXXX The reason for this communication was to get confirmation from your agency that all this is in fact true, and not a scam. 

Best Wishes, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have an auto loan through XXXX XXXX XXXX for our XXXX XXXX XXXX. We took this auto loan out in XXXX of XXXX and ALWAYS made timely payments without fail, with payments being automatically deducted from our bank account on a bi-weekly basis. In early XXXX of XXXX, my husband and I were both furloughed from our jobs due to the COVID-19 pandemic. Therefore, we were unable to make our payments through NO fault of our own. I immediately contacted XXXX XXXX and explained the situation and they said that we should put our payments on pause until we were able to return to our jobs. The very first concern that I brought up was about our credit reporting. My husband and I have worked EXTREMELY, EXTERMELY hard over the last two years to bring our credit scores up to where they need to be to build our dream home. I was assured by XXXX XXXX that this would NOT harm our credit scores because it would be reported that we were affected by a natural disaster/pandemic and that all credit reporting for any payments that we would miss as a result of this pandemic would be FROZEN so as to NOT harm all of the hard work we have put into improving our scores. Long story short, we put our payments on pause for a few months until we finally went back to work. We have been making on-time payments ever since then, with even a little bit extra added on top of our normal payment amount. Fast forward to this morning, XX/XX/XXXX, my husband and I both received email alerts from Experian stating that our XXXX scores had decreased and a new late payment had been reported. Having no idea what this could possibly from as we pay ALL of our bills on time and being extremely distraught by this alert, we logged into our credit bureaus and immediately saw that XXXX XXXX had reported us as 180 days late. This is NOT, I repeat NOT accurate. Our credit reporting was to be FROZEN for those missed payments last year because of the pandemic and we have made EVERY SINGLE PAYMENT IN A TIMELY MANNER WITHOUT FAIL SINCE THEM. Now, our credit scores have dropped nearly 20 points as a result of this, RIGHT when we were about to obtain a mortgage for our new home, effectively HALTING our home purchase plans, all because of these fraudulent predators at XXXX XXXX. My husband and I have been EXTREMELY diligent about our payments and ensuring that our good credit remains intact, and now these people have illegally gone back on their word, after making as feel as though we could actually trust them to help us during this pandemic, which had a huge impact on our lives last year. They have DESTROYED our good credit. NO LATE PAYMENTS SHOULD HAVE EVER BEEN REPORTED to our credit bureaus. We will also be consulting our attorney about this. What these people have done is ILLEGAL and DISHONEST and we need our 3 credit reports corrected IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Victim of identity theft, XXXX XXXX XXXX all credit inquiries and New Credit during XXXX XXXX XXXX to be Deleted From Credit Report Immediately.
Product: Debt collection

XXXX XXXX is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now CKS Prime is reporting it as a collection on my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a credit card via XXXXXXXX XXXX website. I was denied for credit. 
12 CFR 1002.7 - Rules concerning extensions of credit. 
CFR 1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

12 CFR 1002.6 - Rules concerning evaluation of applications. 
CFR 1002.6 Rules concerning evaluation of applications. 
( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Discover and XXXX XXXX  have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit card

I have been a loyal customer of Capital One for over 10 years. I recently opened a separate card with Capital One, transferring a balance from another card. Ever since moving from XXXX to XXXX, I have had nothing but issues with them " not receiving payments '' or when I call in a payment, they do not apply it in time, so then they charge me a late fee. When I call about the incorrect late fee, they tell me they will " reverse it '' and it should be reflected on my next statement. But then the cycle repeats. I make a payment they either " did n't receive '' or it 's applied too late and yet another late fee is applied. This happened for months and months and months on end with both Capital One accounts. I notified them in writing and also contacted their fraud department to complain, but to no avail. They insist on charging late fee after late fee. I have notified the Attorney General 's office here in XXXX and they have contacted them on my behalf, issuing them a cease and desist order, but of course, my credit score has taken a huge hit because of the late fees. Until this is resolved I have not been paying them anything because it does n't matter when I do. Their business practices are shady at best and illegal in my eyes. 

Capital One and the like are a bunch of crooks ripping off the people who pay for their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( XXXX, XXXX, TRANSUNION ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct XXXX, XXXX XXXX TRANSUNION to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, XXXX XXXX
Product: Debt collection

I have contacted the company XXXX XXXX directly, as well as the Collection Agency -Credit Collection Services . which is they are using. They are trying to collect a debt in the amount of {$2300.00}. I contacted both these companies in XXXX of this year ( 2022 ), to explain this this account is not mine. The account was supposedly opened in XXXX 2022. When speaking to the person at the Collection Agency, the debt is not even under my current name, but rather my maiden name which I have not used in over 21 years. The address that is listed for the account is also an address which I have never lived at.I have not heard back from either company. I have NEVER received any correspondence pertaining to this account, either by mail, phone or otherwise. This is the second time my name is being used fraudulently, as an application for unemployment was also filed under my name last year, which I also reported but never heard anything back. I have also been in contact with the credit score companies regarding this, and they continue to claim that this information is accurate, which it clearly is not. I do not even know what kind of company this is, but I think maybe cable or cell phone.
Product: Credit reporting or other personal consumer reports

I'm submitting my complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts listed below remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report # XXXX, and supporting documentation. 

XXXX XXXX XXXX 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: Debt collection

On XX/XX/year>, I was contacted by a debt collector from Source Receivable Management regarding a debt from XXXX XXXX XXXX. During the call, the debt collector used threatening language, stating that legal action would be taken and that the debt would be reported to my credit report. I have contacted XXXX previously, and they confirmed the account was closed incorrectly due to a change of address. Despite this, the debt collector continues to make threats and refuses to acknowledge the error.
Product: Debt collection

Sirs : I have spent the last 6 yrs. trying to give XXXX XXXX XXXX and now Portfolio Recovery 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
1. The following personal information is incorrect Account Number : 2. The following personal information is incorrect Account Number : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. The following personal information is incorrect Account XXXX : XXXX. The following personal information is incorrect Account Number : 7. The following personal information is incorrect Account Number : 8. The following personal information is incorrect Account Number : 9. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
10. XXXX Account XXXX : XXXX XXXX. Validate the late payments. I have never been late on this account. 
XXXX Account Number : XXXX XXXX. Validate the late payments. I have never been late on this account. 
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. 
XXXX XXXX XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Bank account or service

I have bank documents that show closure of both personal checking and savings accounts at Bank of America on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization.
Product: Credit reporting or other personal consumer reports

It took me by surprise how these inquiries on my report are still reporting when I have previously asked XXXX to delete them. They said they were going to but I've been reviewing my credit report and it still hasn't gone.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.