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

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. On XX/XX/2023, I sent a letter to XXXX, and On XX/XX/2023, I sent the same letter to Experian to validate the information with the Original Creditor. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' I received my XXXX report, and the bankruptcy was removed from my file. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation, according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15 U.S.C 1681 section 602 A. States, I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 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

upon checking report i noticed fraudulent account and also inquires. the account is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a hard time getting my free credit report from transunion they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to incarceration i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax furnished this account to my credit report without my permission and without my knowledge. The account XXXX XXXX XXXX XXXX was a banking account. I never gave XXXX XXXX XXXX XXXX permission to furnish my banking information to Equifax. The account was an checking account that went into overdraft for X many days. How did Equifax obtain this information. Equifax has violated my consumer 's right to privacy and has stolen my identity. I have disputed this account with Equifax before and as of XX/XX/2022 it still remains on my credit report. Equifax has violated 1681b ( 2 ), and 1681 ( a ) ( 4 ) of the FCRA. Equifax is also in violation of 15 U.S Code 1681q.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
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 USC 1681. 

Account name XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name XXXX : # XXXX XXXX Account name XXXXXXXX XXXX : # XXXX, Account name XXXX XXXX XXXX : # XXXX have 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.
Product: Credit card or prepaid card

I was at airport and issued this ticket online at XXXX XXXX XXXX  and the flight was scheduled for XXXX XXXX XXXX The app and XXXX website check-in kept hanging and crashing when i was trying to check-in and upload the required documents and the moment it hit XXXX XXXX, it said i need to go to the counter to check in. The employee at the counter refused to assist, though the flight was delayed by XXXX minutes and I could have made it if she issued boarding pass. I was asked to go to concierge, which had big queue and was moving slow. By the time, my number came, it was XXXXXXXX XXXX XXXX This was really bad experience, as I was going through all these things as single parent with minor child. It was emergency ticket booking for me, and XXXX shouldn't let me buy ticket if they can not allow me to get boarding pass issued. Concierge refused to provide me refund because it was basic fare. I really needed to travel but felt helpless since boarding pass was not issued by XXXX XXXX! 
After struggling to get refund from XXXX XXXX, I raised dispute with American express. They simply refused as the airline records showed as " no show ''! How am I supposed to show up at gate if i am not issued a boarding pass by their system or employee!! 
Reference number from XXXX complaint # XXXX, # XXXX Reference of AMEX Dispute : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish
Product: Checking or savings account

I have had two small disputes pending for months. They are only {$50.00} and {$20.00}. The bank will not give me any information or credit my account. I can show numerous emails and live chats that I have attempted to resolve this issue. 

Furthermore they advertised a {$250.00} sign on bonus which is the reason I opened the account. They never issued it. This bank is just terrible all the way around. They should be banned from doing business in the US. If you look online they do this to many other people. Just horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file Equifax 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2023 I was alerted to a hard inquiry on my credit report from XXXX. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. 

I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. 

On XX/XX/XXXX, I was subsequently alerted that someone had taken out a XXXX XXXXXXXX loan in my name and purchased a vehicle through XXXX. Apparently this had occurred within 48 hours of the 1/2 hard inquiry. I once again alerted the credit bureaus and XXXX and filed a police report. 

XXXX was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. 

I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. 

Today ( XX/XX/XXXX/23 ) I received word from Experian that they had concluded their investigation and that XXXX maintained that I was in fact liable for the loan. 

That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. 

If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, Experian and anyone else who is attempting to find me liable for a purchase I never made. 

Please advise how I can resolve this matter.
Product: Debt collection

My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails
Product: Credit card or prepaid card

The American Express team cancelled my card for no apparent reason. Someone made a fradulent charge in the amount of {$1000.00} last month. I contacted the police and I have a complaint number.Someone in XXXX, NJ used my card fraudulently. I was in the process of setting up a new checking account to make the regular {$40.00} payment to American Express. They cancelled my cards and I would like to re instate the account. I never have a problem with making payments. I think that someone is hacking my cellular phone and personal information. They caused me to ruin my accounts. I never had a problem like this previously. I had this card since I graduated from college.
Product: Mortgage

National Mortgage LLC ( Mr. Cooper ) funded my mortgage in XX/XX/XXXX. Since then I have always made my monthly payments in the amount of {$2900.00} ( {$820.00} a month goes to Escrow ).

Last year my Escrow, managed by them, paid my insurance but the premiums almost doubled, so I canceled that policy and got another cheaper one. The Escrow paid the second policy as well. As soon as I got a refund from the first policy, I paid it over to the Escrow, the payment completely zeroed out the Escrow deficit. Unfortunately, the mortgage company can't get their records straight. They are still calculating my required Escrow balance to ccomodate both insurance premiums. They send me troubling letters and keep offering me government help and arrangements to postpone my mortgage payoff. I keep calling them and explaining that I'm current on my mortgage and they are making a mistake. But they won't fix their records. Eventually I got a letter, dated XX/XX/XXXX that I'm in default. My records show that my current Escrow balance is underfunded by {$170.00}. They claim I owe {$7600.00}.
Product: Credit reporting or other personal consumer reports

Credco Consumer Services Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Get My Consumer Report Credco, Please send me a copy of my consumer report to the address on file. Enclosed with this is my drivers license, social security card, and mailing address. 


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

In accordance with the Fair Credit Reporting Act the following companies has violated my consumer rights : XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Bank Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Card Acct # 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. states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681i ( 5 ) ( b ) ( i ) states the certification of accuracy of information 15 U.S.C. 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1692i states debt collection companies have no legal obligation to collect on alleged debt. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

15 U.S.C 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( 3 ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. Experian, XXXX XXXX XXXX reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports. 

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies.

Per standards of FCRA and Metro2 Compliance anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as XXXX Offs and late payments as paid as agreed immediately. 

With the latest news of the misrepresentation of information being incorrectly reported by both Experian and XXXX with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an on time payment by due date and then paid in full the account balance 4 days after due date and Citibank is rolling the balance that has been paid in full over to the next month when in fact it should have been reported to the credit bureau 's the account was paid in full. There was plenty of time before the next month to report it was paid in full I called citi bank and they refuse to acknowledge the paid in full account and refused to report the correct amount to credit bureau which in turn hurts my credit citibank has no problem reporting account balances or missed payments right away but an account paid in full takes months to report this is unfair business practices by big banks that needs to be corrected. They should be ecstatic when one of their customers actually pays their account off it should be celebrated by the banks that they have a responsible customer who actually did the right thing and not filed bankruptcy and they shouldn't charge interest on accounts paid in full like citibank rolling the balance over to next month and charging interest when balance was paid in full 4 days after due date.
Product: Debt collection

I have reached out to Midland Funding on several occasion asking if previous payments made would go towards this credit card debt. The answer was no. The payoff balance was XXXX in 2020. I partner with a credit company called XXXX that would help me by pulling funds from my checking account to make payments of XXXX dollars bi weekly to finish paying off my debt owed to Midland Funding. I got a new job during the pandemic and started paying Midland funding through my new checking account. Within the XXXX week gap. Midland Funding sent documents of garnishment to my job to take half of my wages. Thankfully I had proof I had sent a check to them based on our agreement with XXXX. It seems my check was lost in the mail. I have proof that this company is trying to over collect on a debt that has been paid twice. I have documents proving I have paid them over XXXX in the last past 2 years. 

I would like the company to remove the garnishment from the local courts and remove this collection from all XXXX credit bureaus within 30 days or cut a check to me for XXXX they are saying I still owe to the courts. 

Thank you,
Product: Debt collection

i have attempted to take care of this matter with this company who has listed a fax number that is operating with the number XXXX it is listed with the XXXX and i have a confirmation of the fax that has been sent to them outlining my social / drivers license / police report / id theft affidavit in previous complaints this information has been attached but this company has ignored the documents via previous submissions to consumer financial protection bureau and their OWN fax number ... ... .... at this point i am very concerned with their denial of the documents that have been sent and will possibly be seeking an investigation into this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), A private loan account opened with XXXX On XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My account with East West Bank was closed in XXXX. I have XXXX $ remaining balance they said they will mail a check to me. However I have never received it. They claimed they already mailed it but can not provide any proof of shipment. I asked them to mail the check again. They refused to do it. The account was closed in XXXX. Now its XXXX already. I still havent received the XXXX $ from my account