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

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Issue : Inaccurate Reporting and Failure to Update Credit Report What Happened : I had an account with XXXX XXXX XXXX XXXX XXXX that was placed with XXXX XXXX for collection. XXXX XXXX offered a settlement to resolve the account, which I accepted and paid in full by XX/XX/year> for {$650.00} as agreed. I received a Settlement Paid Confirmation letter from XXXX XXXX on XX/XX/year>, stating that they would notify XXXX XXXX  to update their records. 

Despite this, XXXX has failed to update the credit bureaus to reflect the settlement as " Paid as Agreed '', and the account remains inaccurately reported on my credit file. I disputed the inaccuracy with the credit reporting agencies ( Experian, XXXX, and XXXX ), but the account remains unchanged. 

Violations & Request for Resolution : Per 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information, which XXXX failed to do. 
Under 15 U.S.C. 1681s-2 ( b ), once disputed, they must investigate and update the information, which has not been done.

The credit bureaus violated 15 U.S.C. 1681i and 1681e ( b ) by failing to maintain accurate records after my dispute. 
I am requesting that XXXX immediately update the account to reflect the correct status as Paid as Agreed or delete it entirely if they can not verify the correct information. The credit bureaus must also take corrective action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached the settlement confirmation letter as proof. Please investigate this matter and require the responsible parties to correct or remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number -XXXX  I received a copy of my credit report. I noticed that you are reporting this account incorrectly .This Collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report, Please provide me a copy of my new credit report. reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordane with the fair credit reporting act XXXX account CREDITOR / COLLECTOR : XXXX IXXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX  BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX - XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX XXXX XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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. 

Also the credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Product: Mortgage

My wife and I had a mortgage through Chase for nearly 10 years, so we decided to contact Chase for a potential refinance. We applied for a loan refinance in XX/XX/XXXX, and in doing so were told that we needed to provide Chase with {$500.00} up front for the appraisal which would be refunded to us if we decided not to go through with the refinance. Because the appraisal came in low and would require us providing {$27000.00} in cash, we determined not to go through with the re-finance with Chase. XXXX, XXXX ID XXXX, at Chase was the mortgage banker we were working with for the refinance. In an XX/XX/XXXX email, Mr. XXXX said he had already processed the refund request and we should " keep an eye out on [ our ] account for the {$500.00} refund. '' When the {$500.00} was not refunded, we contacted XXXX on XX/XX/XXXX and XX/XX/XXXX. After XXXX emails and calls to him, he promised to follow up and asked that we contact him in XX/XX/XXXX if the refund had still not been made. The refund was again not made, so we emailed XXXX yet again and he simply responded, " I will have a look '' on XX/XX/XXXX. Nothing happened, so on XXXX, we emailed him again. He did not respond, so on XX/XX/XXXX we contacted his manager, XXXX NMLS ID XXXX, by voicemail and email. XXXX responded by saying he was out of town and would get back to us. He did not get back to us, so on XX/XX/XXXX, we emailed him to follow up. XXXX XXXX again did not respond, so we left him a voicemail on XXXX and an email on XX/XX/XXXX asking for our refund. On XX/XX/XXXX 8, XXXX called us back and claimed there had been an error before and XXXX had to re-process the refund, but we would get it within the week by FedEx. Also on XX/XX/XXXX XXXX emailed us confirming that he had re-processed the refund that day and would update us next week. We still did not receive the refund, so on XX/XX/XXXX we emailed both XXXX and XXXX yet again and asked for the refund and for their supervisor 's contact information to see if that person would help us resolve the issue and get our refund. To date we have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX  and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. 

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithms not a factor where the consumer report is concerned
Product: Credit card or prepaid card

I purchased a treadmill from XXXX XXXX XXXX The billing date was XX/XX/2022. There was an introductory free XXXX interactive service that could be used with the treadmill. It was free for a month. Of note is my treadmill did not work. I contacted XXXX XXXX XXXX via email on multiple occasions ( a waited on hold for hours while never getting someone to answer ). When I received a email on XX/XX/XXXX indicated I would now start being charged, I sent an email indicating I did not want the service -- -- I couldn't use it with a broken treadmill nor did I want to pay XXXX. 

XXXX attempted to charge me for the service on multiple occasions. Discover Card sided with me on the XXXX instance which was likely XXXX but since then have sided with XXXX. They have indicated that since I never received an acknowledgement from XXXX, they were going to side with them. 

Note that it is in XXXX 's best interest to ignore my cancellation and continue charging me. There is no incremental cost for them whether I used the platform or not... but I never used XXXX. It is in XXXX 's interest to continue to ignore my requested cancelation and charge me. 

Of note, I have never used the XXXX service during this period. 

I have since cancelled my credit card with Discover Card after being a customer for decades. There are multiple charges either under review or Discover sided with XXXX. The total amount in dispute is likely XXXX. 

During my most recent conversation with XXXX from XXXX on XXXX, I recorded the conversation including their position that I needed an acknowledgement. XXXX was aware the conversation was recorded.
Product: Credit reporting or other personal consumer reports

I contacted Security Service Federal Credit Union on XX/XX/XXXX and spoke with their customer service representative named XXXX at XXXX XXXX to inquire about an erroneous entry being reported to the XXXX XXXX XXXX platform regarding a fraudulent charge in the amount of {$470.00} pertaining to an account that was closed due to the fraudulent activity. This account XXXX was closed and notated as being related to fraudulent activity and a new account was opened. The customer service representative cleared out that transaction from the balance showing paid in full ( zeroed out due to the fraudulent activity ) on XX/XX/XXXX. However, Security Service Federal Credit Union still continues to report this as an amount being owed by me through the XXXX XXXX platform. This has caused injury to my creditworthiness and has prevented me from opening further bank accounts at will or without reprimand. I have already tried to dispute this issue directly with XXXX XXXX and they refuse to remove the entry because Security Service Federal Credit Union is reporting this as " NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ) AND VERIFIED ACCURATE BY FI ; '' - even though it has reported a closure status showing as : PAID IN FULL with a Closure Status Date of : XX/XX/XXXX. XXXX directed me to fill out a Credit Bureau dispute form online so that this request is formally disputed in writing with their organization and the issue will get investigated and resolved within a few days. However, I never received a response from anyone regarding this inquiry. I also called back to follow up and they still refuse to fix or settle this issue as requested. In fact, they attempted to use this issue as a way to hold this over my head in order to get me to pay on a credit card bill that is also in dispute with this same organization, which is totally unrelated to this account. I want this false entry removed from XXXX XXXX permanently.
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

There is no legally admissible evidence to verify the accuracy of what Navy Federal Credit : Opened XXXX XXXXXX/XX/year> : No Account XXXX  Listed on XXXX Report XXXX XXXX is reporting {$3300.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Navy Federal Credit, in direct violation of the FCRA. I have discovered that the Navy Federal Credit fraudulent account. I need proof of a wet signature of an application w/ Navy Federal Credit and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Navy Federal Credit accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove the Fraud alert in my Credit File 10 years I can't get a Loan and have endless banking problems caused by the Fraud Alert on my Credit file makes it so I can't open any new Bank acounts 50 Time I wrote the 3 Credit Burros with 3 Forms of ID and Ask the Credit Burrow two Please remove the Fraud alert on my Account Please Remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX EXPERIAN has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 I the consumer have the right to privacy of my nonpublic information. My financial history with XXXX XXXX is not public information and therefore should be restricted from being available to Experian. 

Per the Securities Exchange Act of 1934 once the securities are deposited and the certificate of indebtedness is given, any balance of {$1.00} or more should be credited to I the consumer pursuant to the 8-K and 10-K form submitted on behalf of XXXX XXXX with the SEC they agreed the trustee would carry out this duty. I have not received my check and this account can not be charged off when the balance due is owed to I the consumer. 

Per XXXX XXXX terms and conditions they agreed to not share my information with non-affiliates of their business. Experian is not a known affiliate of XXXX XXXX. 

Furthermore, reporting this account as such could be considered securities fraud since my social security number was used when using this credit line.
Product: Debt collection

I do not owe these collection companies and its damaging my credit. 
XXXX XXXX XXXX - {$720.00} XXXX XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$720.00} XXXX XXXX - XXXX $ and {$66.00} XXXX XXXX - 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 confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, and Factual Data : Hard Inquiry, 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.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.

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have read enough to understand my rights. The late history should not be showing late as reported in my 3 Credit Bureaus because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
Product: Debt collection

A company called " Portfolio Recovery Associates '' keeps contacting me from different numbers. This is their XXXX  page : https : XXXX I don't know what debt they are trying to collect. They always ask for more and more information. They call me all throughout the day from different numbers. I don't know how to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
Product: Mortgage

After receiving a verbal approval of creditworthiness and a {$250000.00} credit limit, I was informed by XXXX XXXX XXXX of Chase that the credit limit would be reduced by {$150000.00} because of my XXXX  's receipt of a CARES act SBA loan. 

It is extremely likely that the loan will be forgiven. This likelihood is of no interest to Chase, and they are making the assumption that the entire loan will need to be repaid by the XXXX  and deducting that amount from funds available to service the HELOC. Furthermore, Chase is only looking at the potential liability side of the XXXX  as they seek reasons to withhold credit. I want CFPB to know that Chase is erecting barriers to lending, mid-application, impeding small business owners ' access to credit at a time when all government policies are focused on availing credit to US residents.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion is reporting account with XXXX XXXXXXXX XXXX XXXXXXXX. Here 's a draft for your CFPB complaint regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : **Company Information : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX **Complaint Details : ** I am writing to file a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX regarding an account that is still being reported on my credit report, despite the company being out of business. 

**Account Information : ** **Description of the Issue : ** 1. I have attempted to verify this account with the credit bureau, but they stated that they conducted an investigation and could not verify the account because the company is closed.

2. I sent a letter to the company requesting verification, but it was returned as undeliverable.

3. Despite these efforts, the account continues to be reported on my credit report, negatively impacting my credit score.

I believe this account should be deleted from my credit report due to the company 's closure and the lack of verification. I request that the CFPB investigate this matter and assist in ensuring that my credit report is accurate.

**Attachments : ** - [ List any documents you are attaching, such as the returned letter, credit report showing the account, etc. ] Thank you for your attention to this matter. I look forward to your prompt response.