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

Equifax is furnishing inaccurate information on my credit report which is violating my rights as a consumer and causing harm to my personal life. As of XX/XX/2024, as listed on my most recently reviewed consumer report, there is a fraudulent/unauthorized inquiry that was not made by me the consumer. 
This inquiry was initiated by XXXX XXXX XXXX XXXX on XX/XX/2024. 
I do not have any personal credit cards with this company, nor have I ever applied for XXXX or given them consent to pull my credit. 
Not only have I never given Equifax any form or written or express consent to publish this information on my credit report, they DO NOT HAVE CONSENT to furnish this information on my credit report and are causing damage to my personal life in doing so. 
They are also violating the FCRA and are liable for the damages should they continue to furnish this inaccurate and harmful information. 
I have disputed with them directly over this matter as well, and expect this information to be removed from my credit file immediately. 
Thank you for your help and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 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 furnish a account without my written instructions. 

VW CREDIT ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid CASH with Electronic Funds to CHASE Visa {$5500.00}. This cash was credited to my account the previous day ( Approx $ 30,000+ from mutual funds sale w/help from XXXX XXXX credited XX/XX/XXXX. ). Per XXXX at Chase Visa today, XX/XX/XXXX ( supervisor XXXX refused call ) did not received the {$5500.00} until XX/XX/XXXX, credited XX/XX/XXXX, reversed {$5500.00} as Stop Payment XX/XX/XXXX. I continue to receive mail from Chase Fraud Dept as though I HAVE COMMITTED SOME KIND OF FRAUD!!!!! 
I HAVE ABSOLUTELY NOT!!!!!! I am simply trying to GET OUT OF DEBT!!!!! What is wrong with this bank?!? This all started on XX/XX/XXXX, when a Chase loan officer could not be honest w/me nor apologize for his human mistake! And here I AM PAYING FOR IT STILL!! I will be talking to my attorney on Monday as I am near my wits end & I have absolutely no idea what to do!!!!!!!!! I am sure when I log into my account, I will be overdrawn & CHASE will probably tell me I OWE THEM {$5500.00}!!!!!!!!
Product: Debt collection

Sometime around 2016, a credit card was opened in my name. Because it was fraudulent, I was never made aware of it. Because I was unaware, the card was never paid off, and went to collections. I was made aware of the card by debt collectors. When I was made aware I disputed the card and it was removed from my credit report. Unfortunately, I did not know that I had to dispute the card with the debt collector directly as I believed it was resolved when I stopped receiving phone calls from them.
Product: Credit reporting or other personal consumer reports

I just reviewed my Transunion credit report and it shows inaccurate and unauthorized items. 

Please see the copy of my dispute letter that was already sent to Transunion. 

I have not received any responses yet.
Product: Debt collection

I had XXXX insurance with XXXX insurance because we thought we where going to get a large contract and open a business. The contract fill thru and we did not open our company but we paid the insurance policy anyway in good faith. We got paperwork to audit the policy and I filled it out explaining that we did no work because we never opened. They sent the balance that they made up to Brown and Joseph in IL that have be rude and treated me on several occasions!! I have done my part with XXXX and they have not done anything and Brown and Joseph are being scary!
Product: Debt collection

Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquires on my credit report that I have no knowledge of and/or did not authorize.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report information to the best of their ability with maximum accuracy. 
I have never been late on payments for the accounts that i have included screenshot inside this complaint in on of ( XX/XX/year> ) ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! please
Product: Credit reporting or other personal consumer reports

I recently settled my Bank of America credit card account for less than the outstanding balance. Despite this, Bank of America continues to report the original amount to the credit bureaus. 

I never received a formal settlement offer letter outlining the terms and conditions. The only information I received was the amount that I agreed on to pay to settle the debt. Therefore, I am disputing the reported balance of {$2000.00}. 

On XX/XX/XXXX, I settled the account for {$1300.00} instead of the original {$2600.00}. Subsequently, I made two payments : {$560.00} on XX/XX/XXXX and {$74.00} on XX/XX/XXXX. 

Based on these transactions, the correct amount to be reported to the credit bureaus should be {$700.00}. 

Therefore, I am requesting this account completely deleted from credit report under the fair credit act 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff? 

















llc
Product: Credit card or prepaid card

Opened the dispute of {$240.00} and Marcus credit card did not credited me the money, they just got the paperwork from XXXX which states that I paid for all other reservations, so I should pay for this one too, which doesn't make any sense, and Marcus 's credit card without applying any brains, just listen to them and debited back the money from my Credit card account.

just received the paperwork today from Marcus credit card, please see attached
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 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 consume 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. 


Delete the accounts below XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX being improperly notifed by rules in Bank Secrecy Act of 1970, also known as the Currency and Foreign Transactions Reporting Act, is a U.S. law requiring financial institutions in the United States to assist U.S. government agencies in detecting and preventing money laundering the ( improper practices ) of activates of my accounts at JPMORGAN CHASE BANK, N.A Member FDIC online. I contacted there fraud department at toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to acknowledge any resolution to a negative balance or access information of the fraud active and to educate there live agent of banking secrecy act of 1970 which is noted in there filing system I contacted the from my cell ( XXXX ) XXXX also to act in good faith of settling account in equitable entitlement of XXXX XXXX XXXX XXXX XXXX XXXX Account certificate Beneficiary demand of bills 12 CFR Part 1026 - Truth in Lending ( Regulation Z )
Product: Credit reporting, credit repair services, or other personal consumer reports

is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX in a XXXX accident. I XXXX  XXXX for a living. I really need these lates removed I dont understand. Please godbless you and your family
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries been reported on my credit report that I did not authorize from my understanding you have to be given a written authorization for your credit to be pulled of which I did not give any company to pull my credit report of which at the time I had a credit freeze on my credit .Under the fair credit reporting act usc1681g I have the right to demand that you disclose to me all of the documents that you have recorded ans reatained in your file at the time of the request concerning the inquiries that are reporting in my credit report please do n't respond to my request by saying that these inquiries have been verified .Send me copies of the documents that you have in your file that were used to verify them if you do not have any documentation in your file to verify the accuracy of these disputed inquiries then please delete them immediately.Section 6115 a of the fcra you are required to promptly DELETE information which can not be verified the law is clear to civil liability and the remedies available to me for negligent compliance Section 617 if you fail to comply with this federal law I am a litigious consumer and full y intend on pursuing ligation in this matter to enforce my rights under the FCRA
Product: Credit card

CitiCards refuse to connect me to a manager. Im currently unemployed due to the effects from XXXX XXXX. Ive been making my payments on time but this month ( XXXX 2016 ) my financial situation has gotten worse, I preemptively call CITI CARDS and requested to have my payment date from the beginning of the month to the middle. I was promised a call back from a manager, which never happened. I called again but was unable to speak to a manager again even though I requested it but was told my requested was placed and that I would be able to pay at a later time with not late fee. Unfortunately they did n't comply nothings has changed on my account except for the fact I am now being charged a late fee. Its become apparent they will make up any excuses each day as to why I ca n't speak to a manager. Horrible service line // Condescending over the phones // Straight out liars //
Product: Debt collection

Discover Bank has been carefully stealing funds from my XXXX XXXX XXXX accounts, calling most recent employer ( XXXX  ) for wage Garnishments and taking money from XXXX Health Savings Accounts. I'm unemployed, no family medical, heath or XXXX   insurance and my wife and I have Medical and XXXX  Bills that way past due needs to be settled otherwise we will not get future appointments. Discover Card removed every single penny in my HSA Account ( Statements Attached here ). In XX/XX/2016 XXXX XXXX closed my HSA Account. 

Discover Bank based in the State of XXXX is closely following " Make America Great Again Program '' by targeting Minority American Families. They are now secretly trying to foreclose on my only home by using the same collection Attorneys. This is a federal violation in its highest form. Discover Card denies it. XXXX XXXX XXXX have been facilitating it all, but conveniently stays out of it! 

I ask Discover Bank to Return my HSA funds and terminate XXXX XXXX XXXX immediately before they take any further action to Foreclose my home!!!!!!!! 
XXXX is currently taking place in XXXX, but they continue to deny any wrongdoing and absolutely do nothing about it, even after many complaints. 

I propose a {$100.00} XXXX federal fine be place immediately on Discover Bank for the atrocities and federal illegal practices of their representative Law Firm ( XXXX XXXX XXXX ) in XXXX. A copy of Foreclose Notice by the same collection attorneys ' is attached with this complaint for CFPB Review. Discover Card continue with their aggressive practices ignoring all of my requests to date.
Product: Credit reporting

I filed a complaint with XXXX and received satisfactory results. However, Equifax and XXXX are reporting inaccurate information on the same XXXX XXXX credit card accounts. Should n't XXXX be reporting the same information to all credit agencies? If so required, then XXXX is in flagrant violation of relevant statutes and should be held accountable.
Product: Checking or savings account

On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance
Product: Debt collection

I was never contacted about a debt ( that I do not owe ) from the Department of Education. the debt i 'm told starts from 1994. All of a sudden my wages are being garnished. I had no knowledge of ANY debt owed, and I was not given an opportunity to communicate with anyone to either confirm or deny that I owe anything, but instead the order was sent to my employer. If anything was mailed to me, I never received it. Absence of a response does n't mean I owe anything. I was never given a chance to defend myself. And now out of the blue, I have to figure out how to pay my rent!!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX, NA, XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Debt collection

I received XXXX notice saying a medical bill that I thought was sent to me in error was being sent to a collection company by the name of XXXX. Since then I set up a payment plan through my bank for monthly payments of {$50.00} ( total bill amount was approx. {$560.00} ) which began in XXXX of 2016. After XXXX rude and accusatory phone calls with the assigned rep ( XXXX ) I faxed over proof that I have been sending monthly payments totaling {$250.00}. After a conversation today via phone communication XXXX told me that she would n't let me make monthly payments unless SHE was the XXXX debiting my account number rather than me sending the payment via my XXXX Online Bill Pay. I explained that I did not feel comfortable with them having my personal account information nor did I intend to pay a processing charge. I was then informed that then they just would n't take monthly payments and that if I wanted to make a payment I should " just save up my money and call in the payment in full ''. I then asked for that to me sent to me in writing so that I could keep that for my records. I was then transferred to XXXX 's supervisor, XXXX who then became verbally combative. She said that it was up to her if they accepted payments and that she did n't need to give anything to me in writing. I feel like this is in violation of my rights as a consumer to be given a clear and legible document explaining the companies rules regarding payments. 

I am in no ways disputing the charge and have been doing everything in my power to pay the debt that I owe.
Product: Debt collection

I received a letter from XXXX XXXX XXXX, a debt collection law firm in XXXX, Virginia. They claim I still owe BANK OF AMERICA {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XXXX. I am sure this is probably a scam being perpetrated by either Bank of America or XXXX XXXX XXXX. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This account is not mine. I have submitted an FTC Identity Theft Report to this company with no cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX showing late payments 4 times XXXX XXXX XXXX XXXX in XXXX not accurate XXXX  XXXX showing late payments 2 times XXXX XXXX XXXX XXXX  showing late payment XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof