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

I am submitting this follow up complaint to you today to forward to you about my issue of being a victim of fraudulent activity. Again, per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on the FTC report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

That by law since the account was purchased from the original creditor, the XXXX paid your debt. Thus making the original terms, conditions and legal obligation to pay the alleged debt void. Since the alleged debt was paid off to the original creditor that under certain sections of FDCPA, paying the debt without an agreement with XXXX to pay the debt, voids any claim. Under the FCRA and FDCPA, provides that adequate validation be provided. They did not provide adequate validation that the account is in deed yours and that you owe this debt.
Product: Debt collection

XXXX and Perfection Collection have attached my social security number to someone else 's debt. They installed an alarm system in a house in TN for an individual with a similar name as mine. A name that I have not used in over 20 years due to divorce and remarriage and I live in NC, and have never owned property in TN. I filed XXXX disputes with transunion and perfection collection still claims this is my debt. I am filing a police report on monday and filed a dispute with XXXX today. I requested a copy of the original sales contract to verify where they have obtained my social security number but I have not received a copy as of yet. They have illegally accessed my social because I have not applied for any service or loan with them.
Product: Credit reporting or other personal consumer reports

________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Discharged Bankruptcy from Credit Report Dear Sir/Madam , I am writing to formally request the removal of a bankruptcy that has been discharged from my credit report. Upon reviewing my credit report, I have identified that the bankruptcy is still being reported despite being fully discharged in [ XXXX XXXX XXXX ]. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), bankruptcies are required to be removed from a consumers credit report after 10 years from the filing date. However, a discharged bankruptcy may be reported for this period, but I believe it is now time for this record to be fully removed if the 10-year period has passed or if the bankruptcy is no longer an accurate reflection of my creditworthiness.

Please investigate this issue, and if the bankruptcy is indeed past the legal reporting period, I respectfully request that it be removed from my credit report immediately.

I would appreciate it if you could send me an updated copy of my credit report once the necessary adjustments have been made. If you require any further information or documentation from my side, please feel free to contact me at the above address or phone number. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt with Equifax, XXXX, and XXXX. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/year>. I saw some late payments ; they were supposed to be on time. And the creditor said " I wouldn't be marked late because I had things going on not because of the pandemic but because I was incarcerated. XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX are my missed payments. I sent a letter to Equifax to get this fix, but they still said everything is reporting correctly. But it's not. Can you help with this situation? Thank you.
Product: Debt collection

Citi located at XXXX XXXX XXXX XXXX XXXX, MO XXXX which finances XXXX XXXX XXXX  which I had one but due to XXXX XXXX could no longer use or keep I let it go, this was many months ago. 
Then in XXXX of this year I got a letter stating that you had sold this account to XXXX XXXX XXXX XXXX in XXXX XXXX CA That's strange, I received NO NOTIFICATION that this was even happening, by Federal Law I was supposed to get a notification before such action was to be taken, you have violated the law and if this is not rectified by you to me I will take swift action against you in a court of law believe me this is no an idle threat, you must think you are above the law, YOU'RE NOT. 
I have notified my attorney and demand a cease and decease from any credit collection agency you have supposedly sold this to and further we hereby demand a copy of the actual sale to XXXX for evidence to be presented in a court of law should you not take the correct course of action in resolving this issue.

And one last thing, I have suffered from XXXX and under a doctors care should you or anyone associated with this case do anything to cause stress to come upon me you will face consequences as I have been told that another drop in the Ejection Fraction level might be fatal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account has disappeared from my credit.
Product: Student loan

I am a former XXXX student. I took out their private Genesis loan when I XXXX applied in 2012. I was promised flexible repayment options and an easy manageable monthly payment. It was all going well until XXXX and XXXX of this year when I suddenly found myself short on money. I was denied a deferement for the XXXX dollar charge, so I did what I could, and in the span of a week paid XXXX XXXX dollar payments to cut down on the now past due payment of 340 dollars. Despite paying XXXX XXXX dollar payments to Genesis Lending in the span of just one week, my balance for XXXX still reads 340 dollars. Now I am aware that companies send late payments towards interest charges instead of the actual loan amount, but the fact that even after XXXX payments in one week led to absolutely no reduction in the extravagant payment leads me to reconsider what this so called fair and honest company does with my hard earned money. I consider myself lucky enough to have a job in the field I had studied for but it was all due to my own searching, the school never helped me with a solid lead for a career, and I feel very cheated by Genesis lending. The name of my now defunct school is XXXX, XXXX XXXX XXXX, XXXX XXXX, California, XXXX. Any help or advice will be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I do not have any knowledge about them, and the company did them without my consent.
Product: Credit card

I contacted Citi on XXXX XXXX at XXXX at XXXX. The representative was unable to locate my account when searching by the account number, numbers at the bottom of a bill, my social security number or my full name. She thought this was very strange and I was very upset. I advised her that I have been paying this bill every month and I am extremely concerned that I pay them {$80.00} per month ( or more ) for an account that they are showing no record of. How can a creditor collect a debt from you that they can not even track in their system?
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate accounts and information on my consumer in which I've previously sent them dispute letters to investigate these accounts. They responded that they are verified and accurate but never provided any documentation of proof. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt. How can I owe them a debt if there was no agreement set in place? I understand that it is Experians duty to do whats fair and equitable for the consumer and it isnt fair that they failed to properly investigate these accounts. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter in which I ask Experian to thoroughly investigate these accounts and remove anything thats inaccurate or Non verifiable. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXXXXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and contingency under15 USC 1681. 

Account name : XXXX Account # XXXX Has 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 an account without my written instructions 5 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX I claimed to my chase bank about a transaction I didnt made of amount XXXX at XXXX XXXX XXXX they had to lock my old debit card to get a new one. So I got a new debit card and a new ID. And I got my money back the XXXX but then I saw that it was denied by XXXX XXXX XXXX. So I called XXXX XXXX XXXX and told them why was it denied when I didnt made the transaction. And they could help me with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transform Credit INC XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/2022 ( XXXX ) XXXX The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized report
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

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Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding the accuracy of information being reported to consumer reporting agencies under my name. I believe that the information you provided is inaccurate, and I would like to remind you of your duties as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, and relevant Florida statutes XXXX AND XXXX XXXX XXXX REPORTING INACCURATE ACCOUNT INFORMATION I HAVE POINTED OUT ALL INACCURATE INFORMATION AND INCOMPLETE INFORMATION, AND ALSO THE MISSING INFORMATION. PURSUANT TO THE FCRA Obligations FCRA XXXX XXXX AND STATE LAW Statutes under XXXX it is unlawful for any person to make false statements regarding a consumer 's creditworthiness, and such actions XXXX lead to civil liability
Product: Other financial service

I am submitting a complaint in regards to a background check performed by Sterling Infosystems. I had recently applied for employement with XXXX for a warehouse job in thier XXXX California location. Staff Management/XXXX is the contracted company used for hiring process. I qualified for every step in the process until the background check. Sterling Infosystems is also contracted to do the background check. I recieved an email and regular mail copy of the background check and the " Notice of Adverse Action '', disqualifying me for employement. The " Criminal Background Check '' information was correct. The problem was that this information was not only misinterperated but due to the in ability to read and understand the court doc info the agency or Staffing company both tagged the information as " High Risk ''. The court dcoument were transcribed, are not an Official Signed copy of the original court docs. Sterling Infosystems claims that there are XXXX ( XXXX ) seperate charges of a XXXX ( c ) XXXX, that is incorrect. The information shows XXXX Docket/case numbers which represent " Transfer of Juricdiction '' from XXXX California to XXXX California. This is due to my moving to another county. The Incidents are the same within 1 day, again typo error. In the " Additional Information '' field you see the transfer to XXXX XXXX but is the same case/charge. Both Sterling Infosystem and StaffManagement XXXX were made aware of this problem vis a phone call using XXXX XXXX of Staff Management and XXXX from Sterling Infosytems on Thursday XXXX XXXX. I have not had any further contacts with Sterling or XXXX regarding this issue. I am troubled that the background check company was neglegent/incompitent in reading the court document and risking my employment with XXXX. Once again the information on criminal background check is correct but was not interpreted correctly by said professionals. I want this claim investigated and all parties made responsiable for this crime in it self, fraud claims, to correct thier said expert positions in background checks. Same goes for Staffing ManagementXXXX, they too did the same or may seek damages for violations to FCRA. 

Sterling InfosystemsXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Management XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX, Illinois XXXXXXXXtele ; XXXX
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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Acura Financial Services and XXXX XXXX Credit bureau. Although I made payments on time by using XXXX XXXX XXXXXXXX online payment system, Acura Financial Services claim that they didn't receive payment on time due to post office delays because of covid-19. I called Acura customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX  Rep also talked with Acura Rep but Acura didn't correct the credit report. I am disappointed that Acura will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to XXXX XXXX Credit Bureau but they have not corrected the report.
Product: Checking or savings account

Good Afternoon, I am complaining on the actions taken by NFCU on XX/XX/XXXX in which they permanently closing my account due the suspicion of fraud. I had a friend wired me money from his bank XXXX XXXX XXXX in the amount of {$9600.00} to my credit card, it was on hold for 7 - 10 days to be process but it didn't process at all after several attempts. NFCU representatives declined to assist me in resolving the issue.
Product: Mortgage

This is a continuation of previous complaint : mortgage company 's implemented insurance was cancelled, but I'm being told that they are now adding my Personal Condo Insurance payments to my Escrow payment. I am Personally Paying for this insurance monthly in a XXXX insurance " package ''. There is No Reason for Rushmore Servicing to be charging me monthly for my personal condo insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act EXPERIAN AND XXXX Account # 's XXXX andXXXX has 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 a account without my written instructions.

15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has 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 a account without my written instructions
Product: Debt collection

On XX/XX/2019 I sent a certified letter to Mid-Michigan, RE : Account XXXX**. The letter was received XX/XX/2019. In the letter I requested they validate the said debts that I owe without violating HIPPA rights. They have not corresponded. Its now XX/XX/2019 and I am requesting this company remove and delete this alleged debt from my credit reports due to the failure of adhering to the request on the certified letter.
Product: Credit card

I have an autopay set up for minimum account balance on my Wells Fargo account linked to my XXXX XXXX XXXX. For two months I got interest charges even though the minimum payment went through without issue. I called and they refunded one and we changed the auto payment to account balance, but there should never be a charge for their issue. If I pay the minimum payment due, there should be no interest due. They are either charging the wrong minimum due or being fraudulent some other way. I worry this is a wider spread issue with the XXXXXXXX XXXX through Wells Fargo. 

Screenshots are of the old autopay for min balance due and the new recommended one for statement balance. I also attached the two interest charges.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw inquiries that I dont recognize or remember applying for. I never gave permission or consent for these companies to access my credit report. Its been really stressful and has left me feeling XXXX.