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

Okay so I have disputed this account on several occasions for reporting inaccurate information on my credit report. The account status is showing account not disputed which is inaccurate information. I tackled this account so many times and nothing has been resolved. 

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : XXXX XXXX- XXXX
Product: Checking or savings account

Overdraft fees of {$35.00} per occurrence which happened on XX/XX/year> and XX/XX/year>. 
Request refund of fees, {$75.00}, as this account is the only account that I have which my Social Security Disability and child support payments go into.

In accordance with 42 U.S.C. 407 ( also known as the anti-attachment provision ) prohibits creditors, including banks, from seizing Social Security benefits to pay debts, including overdraft fees.

And, in Virginia, child support payments you receive are generally protected from garnishment and can not be used to cover debts such as overdraft fees. This protection is outlined in the Code of Virginia 20-108.1, which addresses child support guidelines. Additionally, 8.01-512.4 provides a notice of exemptions from garnishment, explicitly listing child support payments as exempt.
Product: Mortgage

Since the loan originated, automatic checks have been being sent by my personal bank to the mort gage. Successful payments have been being made since origination for 63 months. Since the last 4 months, checks have but being cashed, but are still being sent. Late fees are being collected, sent additional checks, to which are also not being cashed. Tried to call and resolve, and make payment s by phone, was told by associate they needed to tell me that I'm past due, and they wanted to figur e out how, and was proceeded to be told it was my fault and the banks checks are being lost in the mail. Only to not be able to make payments
Product: Credit card or prepaid card

I have an account with TD Retail Card Services for my XXXX account. The account was setup for Auto Pay to pay from by bank account, but it seems that the auto-pay gets cancelled frequently if the payment against a purchase is complete and the company then charges late fees and negative credit reporting. Calling the Card company multiple times does not help as they give the same run around. If the account is checked it shows as the Auto Pay is setup and the only time when you are aware that the auto pay does not work is when the late fees are charged against the account. When the auto pay is being setup it is never stated that the auto pay gets cancelled if the payment against a purchase is made and we need to setup the auto pay again
Product: Credit reporting, credit repair services, or other personal consumer reports

They violated my right under 15 u.s.c. 1681 section 604 a section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts written permission to furnish these accounts on my credit report.

In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on It ) you have on file of the accounts listed. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove this collection. I demand the following accounts be verified or removed immediately from my XXXX, Equifax and XXXX credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX {$8600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX tx XXXX ( XXXX ) XXXX {$1600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX {$1900.00} hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep denying my complaint because of Identification issues. My full married name is XXXX XXXX XXXX which is my married name. The name on my file is showing my maiden name of XXXX XXXX XXXX. I have attached a copy of my current drivers license with my name and address please update your files. Once again I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and US BANKRUPTCY COURT-XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/19 I got an alert about my credit report. After looking further I realized I had an unauthorized inquiry from XXXX XXXX. I already have an account with XXXX and I have not recently applied for any credit. I want this unauthorized illegal inquiry removed from my credit report immediately or I will not hesitate to take legal actions against Experian for this illegal Act. I did not give permission for this inquiry. Experian is in violation of several federal law including 15 USC 1681.
Product: Debt collection

Midland credit management account # XXXX I am writing to formally dispute the collection account you have placed on my consumer credit report. This account appears to be in direct violation of my consumer rights under several federal laws, which I will outline below : 1. **Failure to Provide Validation Information** : Under 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide specific validation information regarding the alleged debt. However, you have failed to provide this validation information, yet you have placed this collection on my consumer report, violating my rights as a consumer.

2. **Lack of Opportunity to Dispute the Account** : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a fair opportunity to dispute the validity of the account. I have not been given this chance, and your placement of this collection on my report without offering the right to dispute is unlawful.

3. **Use of False, Misleading, and Deceptive Means** : You are engaging in false, misleading, and deceptive practices by placing this collection on my report without following proper procedure. This constitutes a clear violation of federal regulations and is an infringement of my rights.

4. **Authority to Furnish Account to Consumer Reporting Agencies** : Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), you are not authorized to furnish information to consumer reporting agencies without providing all required disclosures. Your failure to comply with these legal requirements renders your reporting of this account invalid. 

In light of these violations, I am requesting the following actions : - Immediately cease reporting this account to any and all consumer reporting agencies. 
- Provide complete validation of the alleged debt in accordance with federal law. 
- Remove this collection account from my credit report and any other consumer reporting agencies where it has been reported. 
- Cease any and all communication with me regarding this debt unless you can provide proper validation and adhere to all legal requirements. 
-Provide purchase agreement between collect agency and original creditor - Furnace proof collection agency are licensed in bonding If this matter is not resolved promptly, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

I expect a response within 30 days of the date of this letter, in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

NCB Management Services failed to comply with an agreement to remove Account XXXX from all credit bureaus. This is still reporting as a derogatory remark which is affecting my financial health considerably. The original creditor was XXXX XXXX XXXX. The account was settled over 2 years ago on XXXX.
Product: Debt collection

I have tried contacting the company representative was rude and disrespectful also trying to use a cellphone number and address which is not mine to prove the debt was mine without my consent and I didn't consent to any of the information. Then the supervisor did not help the situation which was over two months and now my mom stated I letter came to her address for me and when I open the letter it was from the company and I was upset cause they was using my mother information which is not true and I advised them my identity was stolen twice which I had to report to the sheriff department include provide my fingerprints cause it had to with criminal charges as well.
Product: Debt collection

Debt collector reported to credit bureau in XXXX. I successfully disputed debt. Then month later reported it to a different credit bureau.
Product: Credit reporting or other personal consumer reports

I'm reaching out again about the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report. Despite my repeated efforts to resolve this, the problem persists. These unauthorized entries have severely impacted my life, causing considerable stress and anxiety. 

I want to emphasize that I never authorized or consented to this information being associated with my name. I've been a victim of identity theft, and these entries are a direct result of that crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of XXXX I received notice of a charge off appearing on each of the three major credit bureaus by Synchrony Bank Care Credit. 
In contacting them the error was acknowledged and I received a letter of apology and that they asked me to give them 60 days to correct with the credit bureaus. 
In a phone call with them I shared that the account they reported was my ex wires and she had filed bankruptcy but I was only an authorized user amd had never signed up for the account and the party I talked to stated well now since she filed bankruptcy you are responsible and gave me a balance owed. He also said he would have my concern escalated and I got the letter a few days later and my credit was fixed. 
However on XX/XX/XXXX I got another notice from all three bureaus that the Synchrony Bank Care Credit account was again appearing as a charge off and I reached out to Synchrony Bank and again shared it was an error and it would take 60 days to fix but that I needed to pay them to completely resolve even though my ex wifes account claiming I had responsibility due to her bankruptcy and each time a I have talked with them it was referenced I was an authorized user but now the debt is on me. 
I knew the only way this was going to be resolved is if I took care of it as they were showing a lack of concern and my credit is important to me. I have several accounts with them. Each time I called they said fixing the issue and now almost three months in and not fixed yet and now some of my creditors have cut off accounts because of this showing as a charge off. 
I have as of the first week of XXXX paid Synchrony Bank the {$1900.00} they stated was owed and matter of fact the little bit I can see about the account says they owe me money back. 
I attempted again on XX/XX/XXXX to make a call and try to resolve as still no change to my credit bureaus. The party I talked to was rude and she shared Oh youre just an authorized user so we can not talk to you. y have all along and made me these promises to she said well I can not seem to find you so I guess you will have to figure it out. 
So today XX/XX/XXXX I sit with almost {$2000.00} I did not owe being paid to Synchrony Bank Care Credit that I did not owe but trying to do the right thing and paid it so my credit would get fixed and I am still the one suffering the damage with them now unwilling to assist. 
I have multiple accounts showing with exceptional credit and one account that has more than been resolved is impacting my life. 
I am a XXXX year old responsible party that takes care of my debts and if this was resolved have excellent credit being reported. 
I am the innocent party being taken advantage of. I am very aware of the fact there are raid credit reporting and fair debt collection regulations in place and this credit has definitely crossed both lines. 
My hope is that CFPB can assist in resolving this. I am not looking to get the {$2000.00} back even though rightfully I should, I am asking that the right thing be done and fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rent Recovery continues to report to the three credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.
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 XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remov e two   XXXX   XXXX  accounts from my credit report that were inaccurately reported to my credit.     This time, I went directly to  XXXX   XXXX  themselves and got them to send a me a letter stating that they are NOT reporting these  XXXX  collections to my credit. I am attaching the letter along with this complaint for the CFPB 's review.     The letter is pretty straightforward but Equifax is shutting me down every time saying that regardless of what I say, their reporting is accurate. For months, I have sent several disputes, from written letters to online complaints, and they continue to turn me away.     At this time, I am considering filing a lawsuit against Equifax for hurting my name by illegally reporting these accounts to my credit.  XXXX   XXXX  themselves are stating that they are NOT reporting these  XXXX  collections to my credit.     This is clear evidence to support my statement. Why has it taken Equifax months to address my concern?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason XXXX and Experian only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.
Product: Credit reporting or other personal consumer reports

I am formally disputing any unsubstantiated or inaccurate information in my credit report, invoking the FCRA and the Metro 2 data field reporting standard. The allegations of delinquency and derogatoriness lack factual evidence and violate federal and state laws. It is crucial to ensure the precision and legality of all claims in compliance with the Metro 2 reporting standard.

I hereby request that you provide tangible, verifiable evidence supporting the account 's existence and its appropriate usage for authorized purposes. In the absence of such evidence, I demand the removal of the account from my credit report. I grant authorization for the physical mailing of documentation outlining your actions and any subsequent updates to my credit report. 
Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Robinhood account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of 2021. I had canceled my credit monitoring and alerts services with Experian. They even sent me an email claiming that stated " you cancelled your Experian membership ''. However, shortly thereafter Experian started charging my XXXX XXXX credit card account without my permission. Even though I had canceled my membership with them, they continued to charge my XXXX XXXX credit card without my permission. I have tried to contact Experian many times via their 800 number as well as online and they never respond. When you call their 800 number they ask you to verify random information that they claim isn't my authentication information only to be hung up on after being put on hold. Sometimes they just hang up. Since XX/XX/2021 they have continued to charge my credit card even after my credit card declines their charges, somehow they continue to get approval through XXXX XXXX.
Product: Credit card or prepaid card

I have tried calling Bank of America on XX/XX/20 and XX/XX/20. 
XX/XX/XXXX I was transferred and on hold approximately 2.5 hours ( with 3 people ). 
XX/XX/XXXX I was on hold and transferred again ( with 2 people ). 

No one at Bank of America can answer my question and resolve my issue. 

I initiated a claim on a Mastercard transaction on XX/XX/20. I did not have good communication with an out-of-state company in Arizona that was to refund my money for an apartment application fee. Due to the poor communication on their part, I was worried I would not receive the {$230.00} refund, so I opened the claim. 

After the claim was filed, they mailed a refund check to me for {$230.00} which Bank of America credited correctly when I deposited ( via the mobile app to my checking account ). 

I have been trying to do the right thing and contact Bank of America repeatedly to stop my claim. There is no longer a need for them to research my claim. IT HAS BEEN RESOLVED BETWEEN ME AND THE COMPANY. 
I now have {$230.00} in my checking AND a credit of {$230.00} on my credit card as of XX/XX/20. I should only have the {$230.00} in my checking account. 

I am trying to stop the claim and have the credit removed from my credit card. 
Why am I given the run around repeatedly? No one is solving this problem. 
Their inability to resolve this makes ME look bad, like I am trying to get a double refund. 

This is the worst customer service I have ever experienced in my life.