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

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional entries on each credit report with XXXX, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
Product: Checking or savings account

on XX/XX/XXXX I was reached out by a potential employer under " XXXX XXXXXXXX XXXX '', they had all of my information ; address, name, a phone number. I was told to deposit a check in the amount of {$4900.00} which was mailed to me via USPS ( tracking # XXXX XXXX. The check arrived on XX/XX/XXXX and was deposited to my account by me on the same day. On the XX/XX/XXXX, the check was CLEARED by the bank and funded into my account. I proceeded to believe this possible employer after the bank made funds available, the instructions were to withdraw {$4200.00} from the account and keep {$750.00} as payment for the week. Once the money was withdrawn I was to deposit the money in cash to a XXXX XXXX under account # XXXX under the name XXXX XXXX an alleged orphanage leader. The same night on the XX/XX/XXXX the check was returned and labeled Altered/Fictitious by the bank. I submitted a police report on XX/XX/XXXX ( report # XXXX ) and I was told by the bank branch near me to submit a report first before making a claim, something that I did immediately. I was given a phone number to which I called and was made feel as if I were a criminal, the bank representatives refused to help or take any further action with the police report number. All I was told was that my account was going to be shut down and I would never be able to do business with Chase again. Furthermore, after escalating the call to a manager, I was hung up on 3 times. I was never irate or disrespectful, I was only trying to understand the justification for their acts. One rep on a recorded line told me that sometimes checks like these " slip '' through the system. Should I bare all of the responsibility when I trusted the bank to authenticate and fund me transactions that are legitimate? I was given no further word from the bank, only a request for full payment and threats of never being able to open a bank account again " We are a financial institution, not a charity ''.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Collection Amount - FCRA 15 U.S.C & 1681 I am writing to dispute the accuracy of the following collection accounts on my credit report XXXX. XXXX XXXX XXXX for amount of {$2000.00} opened on date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX for the amount of {$220.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX for the amount of {$91.00} XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX for the amount of {$540.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX for the amount of {$370.00} opened on XX/XX/XXXX I am not liable for these debts. I do not have contract with any of these companies. They did not provide me with the original contract with my wet signature and ID verification. 

15 U.S.C 1681c - Requirements relating to information contained in consumer reports.

Under 1692e - False or misleading representations Under 1681q - Obtaining information under false pretenses Under 1681a ( m ) - exclusions ( collection accounts ) Under 1681n - Civil liability for willful noncompliance Under 1692g - Validation Of Debts Provide proof of these alleged items, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from my credit report as soon as possible.

Reason for dispute : The debt does not belong to me or is charged off.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C {$1600.00} ( a ), you are required to conduct a reasonable re-investigation of disputed information. Additionally, furnishers must provide sufficient documentation to verify the validity of the debt ( 15 U.S.C $ 1681s-2 ( b ) ) If this debt can not be validated with proper documentation, it must be removed from my report immediately ( 15 U.S.C $ 1681i ( a ) ( 5 ) ) Thank you for your prompt attention. 

Sincerly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account to all 3 credit  companies in the amount of {$9300.00} this account is not mine. 
I need written confirmation/proof that this account is under my name. 

Thanks
Product: Mortgage

This complaint is in follow up to a previously filed complaint with the CFBP. The previous complaint number was XXXX and it will be attached to this complaint as a reference. 

In that complaint, Freedom Mortgage agreed to remove the 30 day late payment from my credit report. In their response, they indicated the following : " The payment received on XX/XX/XXXX was posted to unapplied funds in error and then applied as a payment on XX/XX/XXXX which caused the adverse credit reporting. We have corrected the credit reporting to show as current in the month of XX/XX/XXXXsince we received the payment in XXXX. '' After I received this response, I disputed the information on my credit report as well as my wife 's, citing the late payment was an error and that Freedom Mortgage agreed to remove the late payment. Shortly thereafter, Freedom Mortgage verified the 30 day late payment was accurate and indicated they would not remove the item from my credit report. This occurred after the initial complaint # XXXX was closed. I spoke with a representative of Freedom Mortgage on the phone and their response was " the information is reporting accurately '', and that if I had any issues, nobody at Freedom Mortgage can help me. He indicated to me I would need to hire an attorney to fix the problem. This answer is unacceptable. 

My concern is that Freedom Mortgage is telling the CFPB one thing and they are doing another. They are not following through with what they are telling the CFPB.
Product: Checking or savings account

I bank with Chime. I received someone else 's taxes in my account. Their federal return for {$6900.00} was deposited XX/XX/24. The state return for {$720.00} was deposited XX/XX/24. It was by no fault of my own. XXXX XXXX XXXX XXXX put my banking information in someone else 's file. I called Chime the same day on XX/XX/24 at XXXX to notify them that it wasnt mine and to please reject it. They told me they are receivers and not senders. They advised me to ask the IRS for their banking information. Which is an incredibly unrealistic request. I had already called the IRS on XX/XX/24 to notify them as well it was not mine. They were not able to just pull it back out. The IRS advised me to have Chime reject it. Which Chime had already told me they couldnt do. I reached out to the state of North Dakota to also notify them the taxes were not mine. I called Chime again on XX/XX/24 to ask again if there was anything we could do about getting the taxes out of my account. I have been working with the regional manager of XXXX XXXX XXXX XXXX to try to resolve it and get the taxes to their rightful owners. On XX/XX/24, 5 hours after I received my 30 day pay check for {$2200.00}, chime emailed me to notify me that they closed my account because they identified fraudulent loads. XXXX XXXX XXXX XXXX called me on the same day XX/XX/24 to inform me they found the rightful owner of the taxes. Chime closed my account stating I broke the direct deposit agreement. I called Chime again with the regional manager of XXXX XXXX XXXX XXXX so she could let them know it wasnt my fault and it was unknowing to me. In hopes they would reopen my account. I have no access to my funds and they keep telling me Im not eligible for a refund of my account. I have XXXX XXXX. This has been weeks. I cant buy groceries or pay daycare. I had to borrow money for my rent. I need the money totaling {$3000.00} that is rightfully mine and that I worked for. I had {$2600.00} in my checking account and {$440.00} in my credit builder. Chime keeps asking me for proof that I was the intended recipient of the North Dakota refund. I sent them a screenshot of the phone call date and time that I notified them they werent mine. They say their calls are recorded. In that phone call I told them they werent mine and to reject them. That should be proof enough! Please help me.
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquiry on my XXXX  consumer report with the following information : XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXthis is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681.
Product: Credit reporting or other personal consumer reports

i recieved a email from XXXXXXXX XXXX XXXX XXXX It is a none working link, i then tried to run my credit on XXXX XXXX  and it wont allow me to get a report it has been this way for 2 months also the inquiries are still on my reort because I ourchaed XXXX and nothing has been fixed i have attched the emaik and a screen shot of what it is saying when trying to get the report i have sent them documentation of the ID theft, along woth hard inquiries, case number from police and id theft report and nothing iit has been alnost 1.5 months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, XXXX XXXX and Equifax assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.
Product: Mortgage

The escrow shortage is due to the covid deferral. The shortage was rolled into my NEW loan and spread over the new loan term. This was supposed to prevent hardship of having to pay it all at once! I can not afford a {$3600.00} increase for the next 12 months. Santander Bank is trying to recover escrow storage twice. Once thru my new Loan and now thru a $ XXXX increase in escrow! 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 around XXXX  I ordered silver coins from XXXX XXXX for what was a very good price {$390.00}. I decided to research the company as I found my price was below the current price of spot silver. Impossible to sell at less than cost. Within an hour I called their phone number-not working- and emailed them cancelling the order.I I contacted Capital One the CC I used and told them to eliminate the charge. No problem. Within XXXX weeks the money was credited back to my Capital one card. Case closed to my satisfaction. 
A few weeks later the money was again charged back to my account. 
I did a complete study of XXXX XXXX and spoke to Capital One about the problem. 
I waited. Nothing happened. After repeated phone calls Capital One informed me that they had emailed me ( never received ) and sent a letter to my correct home address _received_ informing me of the details. I sent them complete research showing my cancellation email etc. I asked them to reopen the file. Many phone calls and I was told hey contacted XXXX who said coins were sent. A lie. Thus I was charged again. I faxed and sent by mail all the details. I checked with my post office using the tracking code XXXX gave as proof of delivery. The post office said it was not for me at my address and it was fake. PO said contact your credit card company. Capital One never checked the proof of delivery with the Post Office for accuracy..to date nothing done by Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian blatantly lies in their responses to the CFPB complaints I file. They claimed that I violated something in section C but when you read the law section 605B of the FCRA it clearly says you have to do A first and then B and then C after A and B are completed. Experian plain and simple breaks the law by skipping A and B and going straight to C with no proof whatsoever. 
Under the penalty of parjury and in front of the police I swore that I did not open any of those inquiries that I have claimed as fraud. Experian seems to think because I removed the credit freeze that identity theft can not happen at that point. They think that I'm responsible but I've already proven to the police that I didn't do it because they did check the ISP adresses and I did not do it because they didn't match. 
Simply have experience comply with the law A comes before B and B comes before C, The law is written that way for a purpose and they break it so tell them the stop breaking the law. There are 7 inquiries that I have included in this complaint that do not belong to me and they need to remove these immediately because it's been way more than 4 Business days
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?
Product: Credit reporting or other personal consumer reports

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following account_- Account NameXXXX- Account Number_ XXXX Original Creditor_ XXXX  Date of Alleged Late XXXX XXXX XXXXThis account was closed and paid in full on [ Date ]. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant.Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter.Sincerely,
Product: Credit reporting or other personal consumer reports

I have disputed the accuracy of my bankruptcy information reported by the three major credit bureausXXXX, XXXX, and Equifaxclaiming that the information in my personal credit report is incorrect. Despite filing this dispute, all three bureaus have stated that they have verified the information and found it to be correct. However, none of the bureaus have disclosed the source of the personal information used for verification, nor have they provided the name and contact details of the person who conducted the investigation and reported the information as verified. Furthermore, I suspect that all three bureaus are intentionally delaying and avoiding addressing the issue by sending generic response letters. I believe this is because they do not have proper access to my personal credit report and using generic computer-generated responses without conducting the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In this month I received my credit report through the annual credit report and there are addresses that I have never lived and I do not know. I called the agency and told them that they are reporting addresses that I do not know and that I have never lived in and therefore had to be removed from my credit since they are affecting my credit and they have not removed those addresses and have not done anything to inform me and that they demonstrate with evidence and my signature that I have lived there if it does not have to be eliminated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX  XXXX  show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with number of XXXX by XXXX XXXX XXXX XXXX that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. 

I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. 

This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under XXXX XXXX XXXX XXXX was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe XXXX has the authority in the state of Florida to proceed in the purchase of automobiles. 

This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.
Product: Credit reporting, credit repair services, 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 U S C # 1 XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX  XXXX # XXXX # 3 XXXX XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My account was compromised and they closed my account I was a victim of identity theft
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. 


I told Experian to look at these accounts : Account name : XXXX XXXX Account number : XXXX, Account name : XXXX, Account number : XXXX. 
Account name : XXXX XXXX Account number : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX  XXXX  account XXXX XXXX, ( THIS ACCOUNT HAS BEEN PAID IN FULL ) XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX account # XXXX ALL of the above accounts have violated my rights.

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly and is accurate. These accounts can not possibly be verified because the inaccurate information is still on my credit report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States That I have the right to Privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.