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

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year>XXXX  Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( 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. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXXi within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Account name : JPMCB CARD Account number : XXXX Date opened : XX/XX/year> Balance : {$4300.00}
Product: Money transfer, virtual currency, or money service

I had a problem with my cash app account, so I looked for a number to call cash app customer service, I'm not a texting type of guy, so I decide to call cash app customer service, well when I called the cash app number on the internet I genuinely I was talking to cash app customer service, so I was told to open the app and download this " team viewer '' type of app where the person can see what i am doing, and if need be take over, I was told to download the app, then open my cash app, so I did, the guys on the phone had an XXXX XXXXXXXX accent, and was telling me that he can help me and all I got to do is open the app, and tell him what happen, then he was going to refund me, so he did, but the refund was over the amount i asked for, which it was XXXX dollars, i was excited, while he was talking i started to notice that the transfer came from my bank account, when ive seen this i became high suspicious, and confronted him about it, but the guy was consistent on calming me down and wanted to get my friend number, or family member number, and change my bank info to a new one, at this point i became highly alarmed and exit off the app and exit off the download XXXX XXXX XXXX XXXX because i figured these people were scammers, but before i closed out they sent the cash to there bank account, before i even get a chance to hang up and take everything off, later on i did some research and come to find out cash app dont have a customer service you can call, but have a " in app '' thing where you chat on the app through texting, so i told them about it and the unauthorized transaction from a scam claiming to be them, and gave them all the info they asked for to do an investigation, and was told that the transaction were justified, i ask for them to send me there reasoning but they never sent it, so i contacted XXXX XXXX and ask all they need me to do, and granted me the XXXX XXXX for the unauthorized transaction, i was relieved until weeks later they took it back and informed me that the money was credit to my account but took it back, so i filed an appeal with XXXXXXXX XXXX and gave them a police report and any info they may need to help the invesigation, still came back denied, so i ask for there reasoning and they never replied, even though when i checked they have a zero liablity policy when it comes to these things, as of today im going to reach out again to appeal and ask for there reasoning and to send it to me. I wanted to file a complaint because these banks or financial apps are not cooperating nor even holding their side accountable of the scam that happened to me without a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus Experian XXXX and XXXX XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXX, H XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is good-standing with XXXX XXXX ( XXXX ). They are denying me credit for an extended payment plan for a new phone. Experian is the credit agency they check and I do not have a freeze or security hold active. XXXX XXXX XXXX Inquiry : Case ID [ XXXX ]
Product: Debt collection

On XX/XX/22 and XX/XX/22 I sent letters to XXXX, XXXX, XXXX and Discover credit card requesting verification of this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received any documentation.
Product: Debt collection

professional bureau of collections of maryland contacted me today about a debt of XXXX owed to XXXX and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to XXXX and insisted I have to contact XXXX to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information. 

I also try to file a dispute with XXXX, but their website do not allow me to submit a dispute.
Product: Mortgage

Mortgage company advanced delinquent taxes and raised my fixed rate mortgage without properly notifying me. I have not lived in the property for 5 years and did not receive correspondence to my current address nor was certified mail sent nor a simple phone call. They accepted and cashed my regular monthly payment but held funds in suspense essentially holding the funds then reporting me delinquent. I have brought the loan to a current status however the lender will not correct the derogatory credit reporting.
Product: Checking or savings account

did not authorize this charge sent all hacking info to all creditors and banks
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with EXPERIAN to remove an unauthorized Inquiry they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my  EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

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

THE BALANCE ON MY XX/XX/XXXX/XXXX VISA ACCOUNT IS INCORRECT. PLEASE UPDATE WITH CORRECT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$240.00} XXXX XXXX  XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX  or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Product: Mortgage

In XXXX of 2023 on multiple occasions, I disputed their statement requiring me to have a XXXX policy on my condominium. In addition to not renewing my policy despite stating their requirement that I have XXXX, they deliberately closed my escrow account to also ensure non-payment of my property taxes as an act of revenge. Later they insisted they restored my escrow account for both property taxes and insurance. 

In correspondence, they showed they also added a lender placed insurance policy, resulting in duplicate coverage. During a call with their public relations ( propaganda department ), they not only admitted this was true, but that it was also done the prior year, despite NO LAPSE in coverage. This is fraud and needs to be punished criminally. I never received any correspondence notifying me of this fact. The policy had automatically renewed just as it had for countless years. 

I now suspect they have done it for multiple years further back without my knowledge or consent. I can no longer work with them as they continually refuse to deal with me in good faith, which is why I am requesting your intervention. 

Therefore, I am requesting a FULL ACCOUNTING of my mortgage from its inception, or at least as long as this criminal organization has been servicing the loan. 

I also implore the CFPB, in tandem with XXXX, to order the transfer of my loan servicing to another ( hopefully non-criminal ) organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXXXXXX Balance : {$860.00}, XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXXXXXX Balance : {$14000.00}
Product: Debt collection

Midland Funding got a default judgment against me XX/XX/2019, for an unknown debt. 

Four years later, with no notification and without giving me the legally required time to make a payment in lieu of garnishment, they sent a garnishment notice to my employer. 

I received nothing at all from Midland in four years regarding this debt, so I assumed it was paid off. 

I have no idea what it's even for. It is not even on any of my credit reports. 

This is going to leave me unable to pay my basic living expenses. 

They additionally added an extra almost {$400.00} to the judgment amount, without explanation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX
TYPE : auto financing companies
INQUIRY DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TYPE : Auto financing companies
INQUIRY DATEXXXX XXXX XXXX XXXX TYPE : Auto financing companies INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Automobile dealers,new
INQUIRY DATE : XXXX XXXX XXXX  TYPE: Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX
TYPE : Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX  TYPE : Automobile dealers , used
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX
TYPE : Credit unions
INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Finance companies-non specific
INQUIRY DATE : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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

I just recently looked at my TransUnion credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence 1. [ XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXXXXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXXXXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 7. [ XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE ONE FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. ONE IN WHICH IS " XXXX XXXX. ''. WHICH IS A VIOLATION ACCORDING TO FCRA XXXX 15.U.S CODE & 1681 ( A ) )!!!!!!!!!!!!! 

WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL XXXX CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH XXXX OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS ILLEGAL TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I contacted Equifax to dispute inaccuracies on my report. To date, I have not received any dispute results ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt of {$280.00} that was paid off and closed last year was not removed from my XXXX credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( Statewide Credit Services, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX  I also noticed multiple inquiries reporting : 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 have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. Experian is reporting inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 XXXX XXXX XXXX has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still XXXX couldn't tell me why this is showing as an open account and that I am behind on my payments.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX balanced {$930.00} XXXX XXXXXXXX XXXX  XXXX balanced {$0.00} XXXX XXXX XXXX XXXX ****balanced {$10000.00} XXXX  XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX balanced {$800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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