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

XXXX XXXX did two unauthorized credit inquiries with XXXX, TransUnion, and XXXX back on XX/XX/XXXX and XX/XX/XXXX on my credit report. I have did not authorize this and have not applied for a credit card their company. I mailed letter to them with my Driver License and XXXX. XXXX XXXX XXXX ID showing my identify. My SSN and identify has been compromised in the past. I had to do a police report back in XXXX of XXXX. XXXX XXXX has failed to respond to any other my letter even the certify letter. XXXX XXXX should removed the credit inquires for the dates above with all three credit bureaus describe above. I don't what other actions to take and have come to the Consumer Financial Protection Bureau for help with XXXX XXXX. They won't respond to me.
Product: Credit reporting or other personal consumer reports

*Complaint to CFPB Against Equifax Regarding XXXX XXXX  Account XXXX XXXX XXXX Subject : Violation of Reporting Standards and XXXX XXXX XXXXXXXX Rule XXXX Dear CFPB, I am filing a formal complaint against Equifax regarding inaccuracies XXXX my credit report concerning my XXXX XXXX account XXXX XXXX XXXX. Despite multiple disputes over several months, Equifax has failed to correct the inaccurate information. Below are the details of my concerns : Account Details Account Name : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Date of XXXX Delinquency : XX/XX/XXXX Date of Major Delinquency Reported : XX/XX/XXXX Issues Identified XXXX. Contradictory Information : In response to my disputes, Equifax has stated : This creditor has verified to our company that this account has not been closed. 
However, Equifax itself lists the Date Closed as XX/XX/XXXX in my credit report. 
This inconsistency raises serious concerns about the accuracy and validity of the information provided by Equifax.

2. Failure to Disputes : Despite my numerous disputes, Equifax has not made any effort to investigate or correct these errors. Instead, they repeatedly provide the same unverified response, failing to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

3. Violation of New York State Rule 380-J : As a resident of New York , I am protected by New York State rule 380-J, which mandates that a paid charge-off account must not appear on my credit report more than 5 years from the date of first delinquency. 
In this case, the Date of XXXX Delinquency is listed as XX/XX/XXXX ( but real date is XX/XX/XXXX ), meaning this account should no longer appear in my credit report after XX/XX/XXXX. 
Equifax, however, reports the Date of Major Delinquency as XX/XX/XXXX, suggesting it plans to keep this account in my report beyond the allowed timeframe. 

Requested Resolution 1. Immediate Correction : Remove the XXXX XXXX  account ending in XXXX from my credit report, as it violates New York State rule 380-J and contains numerous inaccuracies.

2. Compliance with FCRA : Investigate the disputed information thoroughly and provide a clear explanation of the findings.

3. Confirmation : Provide written confirmation of the removal of the account or the corrections made.

Supporting Documents I am happy to provide any additional documentation, such as dispute records and proof of address -Dispute result -Bank statement ( but don't tell me that is not a proof of address ) _Paystub I trust that the CFPB will assist in ensuring Equifax complies with federal and state regulations and rectifies these issues promptly. Thank you for your attention to this matter.
Product: Credit card

I signed up for XXXX XXXX credit card. I paid the balance using online billpay feature at XXXX XXXX XXXX XXXX in XX/XX/2024. Later I found the payment went to a company with the name, XXXX XXXX XXXX. So I filed a dispute, because I paid to XXXX XXXX but the money didn't go to the XXXX XXXX. This happened again even I paid to XXXX XXXX credit card, it didn't go to the XXXX XXXX credit card. After this trouble I cancelled the credit card right away, paying the balance again on the phone. But this payment didn't go to the credit card at all. I still don't know where my payment went. 

This credit card supposed to be XXXX XXXX, but there seems to be involving few other company. I just want to know making sure where my payment went. 

They still asking me to pay the balance, but I don't want to pay if I don't know who I'm paying and without legit receipt for my payment.
Product: Debt collection

Portfolio Recovery Associates, ( XXXX ) from the original creditor : XXXX XXXX. 
Account Number : XXXX Merchant : XXXX They have failed to show anything bearing my signature with a valid Identification. They will not work with creditors to take it off my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

" This message is for ******* ******** and my name is XXXX XXXX I'm calling from the Law Office of Linebarger Goggan Blair and Sampson. If you could please return my call. Our toll free number it's XXXX. My direct extension is XXXX. '' This is the voicemail I received on XX/XX/2023 at XXXX XXXX. The toll free number does not match the number on the Linebarger Goggan Blair & Sampson website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I already sent report to FTC with FTC report # XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX  XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} ; MEDICAL XXXX Balance {$690.00} ; MEDICAL XXXX Balance {$3300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Security Credit Serv/   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

XX/XX/XXXX - When disconnecting cable & internet services with  XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and  XXXX  said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with   XXXX   customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by   XXXX    customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of  XXXX  to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whome it may concern ive requested documentation from Experian on a account and public record, the public record isnt mine and the account with InFirst fcu Experian says Im late Ive called the bank XXXX XXXX the manager of the loan department says no you arent lat nor have I ever been late experian is also showing the account was closed and transferred in XXXX of 2023 this account was paid in full on XXXX the other XXXX bureaus have all the correct information Experian does not comply with the FCRA LAWS by law they need to have and show documentation of there investigations and findings and supply them when asked by the consumer! The public record isnt mine Ive reached out to lexis nexus the dont have nor show a bankruptcy on file or that Ive ever filed experian still refusing to remove it XXXX and XXXX XXXX has no public records on me as they shouldnt i need this to be fixed resolved and removed from my credit file asap It has cost me lots of money and problems. 
My next step will be intent to sue on every violation on my experian report Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please have them remove the public record and update the XXXX XXXX  account immediately the XXXX account in question has a starting balance XXXX thank you for your time
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. I have Included proof from my credit reports.
Product: Mortgage

On XX/XX/19 I requested a payoff from my Mortgage Company, ( Carrington Mortgage ). At this time, I had not yet paid the month of XXXX. I noticed that the interest amount noted on the statement also included the month of XXXX totaling {$1900.00}. I also noticed a {$42.00} late fee which, per Carrington does not get accessed until the XXXX of each month. I called to speak with a Carrington representative and they told me to that I would have to pay the values shown or the payoff would not be accepted from my new Mortgage Company. They also stated that any the additional overpayment would be refunded to me once the loan was paid off. I paid the month of XXXX so as to be up to date and requested an updated Pay off. 

on XX/XX/19, I received a revised Payoff statement which no longer calculated a late fee but it is still holding {$980.00} for the month of XXXX. There are no recording fees or other fees noted on the last payoff statement. 

The mortgage was satisfied in full on XX/XX/19. I had a pending escrow balance to be returned to me in the amount of {$1200.00} as well as the {$980.00} advance interest payment for XXXX. The mortgage note in XXXX was no longer held by Carrington and was paid in full on XX/XX/19. After several attempts of attempting to reach Carrington and getting no response, I did receive the escrow check for {$1100.00}. They short paid {$91.00} with no explanation and to date they have not returned the overpayment in the interest for XXXX. I have attached copies of both pay off requests. A copy of a statement reflecting the escrow balance as {$120000.00} after my XXXX payment as well as confirmation of the loan payoff to Carrington on XX/XX/19 and the check copy for the escrow funds. 

Please help me get this resolved and the remaining balance of my overpayment returned to me. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I inquired online about a consolidation loan with XXXX on Saturday, XXXX Upon getting immediate pre-approval rates over 31 %, I immediately called the XXXX number provided in the site to request removal of any authorization to pull my credit report and/or to solicit my personal information to other companies. He assured me that my name was removed and that no inquiries or sharing of my information would occur. However, I received an email from XXXX on XXXX stating that a Credit Decision was made based on my personal information being shared with XXXXXXXX XXXX. I never authorized my information to be shared with XXXX XXXX or any entity. In fact, I explicitly disallowed it. They pulled my TranUnion Credit report without authorization and made a fraudulent consumer credit decision on my behalf.
Product: Credit reporting, credit repair services, 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 items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I identified XXXX unauthorized transactions for XXXX XXXX for {$10.00}, on XX/XX/XXXX and XX/XX/2023, under my PayPal account. 

I had no memory of these transactions, so I suspected they were unauthorized. I filed a claim with PayPal, and they got back to me told me that I authorized the charges, which was not true. I know this because I have not used XXXX  in around XXXX years, and I had contacted them - they had no record of anything under my name or email address for this purchase. 

With this information, I attempted to escalate the issue with PayPal, requesting the documents they used to come to this decision and they denied my claim once again, this time putting words in my mouth, stating : " You previously indicated that you authorized this payment agreement but youre unhappy with the terms of your agreement. As a result, were unable to consider this to be an unauthorized payment. " When I clearly stated in an email : " My claim was denied for unauthorized activity because you all are saying there's no evidence of it and that it's my purchase that I'm just unhappy with. That's just not true. '' They also additionally did not provide the documentation that they used, as promised. 

I attempted to escalate the issue further over the phone, and came to a dead end again. 

When I had explicitly stated :
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit file that I did not give consent or approval for. This is a violation of the Fair Credit Reporting Act. I want the inquires removed immediately if not I will file a cas on Transunion and each creditor that requested credit without my consent, Transunion would you please provide the IP address and drivers license info used to apply with the creditors. Transunion youre violating my rights just know that. The creditors that requested a credit pull without my consent is listed bellow XXXX XXXXXX/XX/2022 I did not give creditor permission XXXX  XXXX XXXX  I did not give this creditor permission XXXX XXXX  XXXX XXXX I did not give this creditor permission XXXX XXXXE- XX/XX/2022 I did not give this creditor permission XXXX XXXX  I did not give this creditor XXXX I just purchased a product which allows me to keep my credit report locked and only unlock them when I need to apply for credit. Please do not put any alerts on my credit file. Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to address this issue, the fraudulent entries persist, posing a significant threat to my financial well-being and reputation. 

I am reaching out for the sixth time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to have the following inquires removed from all three credit bureas as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

They dont send my mortgage statement till after the due date and then they try to charge me a late fee I send my payment in anyway but I still yet to see my payment and Ive called them four times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bank of America Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 further states that a consumer reporting agency can not furnish an account without any written instructions. 

15 USC 1666B : 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Account name : # XXXX, Account name : # XXXX, Account name : 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 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any following items of information any other 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 ) ( 1 ) A person shall not furnish ant 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.