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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i 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. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXX XXXX  SV XXXX Balance Owed : {$90.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background company wont update and release my driving report so I can continue to drive with XXXX & XXXX. This has been going on for about 11 months.
Product: Debt collection

I have been writing XXXX XXXX this company because I have never heard of the original creditor, and know without question that if this debt was mine, it would be a minimum of 8 years old. However it gets sliced, it should not be on the credit report. In fact, on XX/XX/XXXX, both XXXX and XXXX  reported it had been removed, but XXXX  as of XX/XX/2020 still is reporting it as active. 

It very damaging, and very old. 

I keep sending letters asking both the company and bureau ( XXXX  ) to look into this. 

How can a company remove the listing off one report and not another. 

If you apply for a credit card, the bureaus all know about it in hours. Get an item to come off? Well that takes months.

This was removed XX/XX/XXXX. Why is it still being reported XX/XX/XXXX as valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 26 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Unauthorized Hard Inquiries & Demand for Immediate Deletion To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit reports maintained by your bureau. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681b and 1681i, I am requesting the immediate removal of the inquiries listed below. These inquiries were not initiated or authorized by me in writing or digitally, and therefore represent a violation of my consumer rights.

Under 15 U.S. Code 1681b ( f ), A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished. These companies had no permissible purpose to access my report, and you,
as the credit reporting agency, are legally required to ensure that only inquiries with proper authorization appear on my file.

Furthermore, FCRA 1681i ( a ) ( 5 ) requires that any information that can not be verified must be promptly deleted from a consumers credit file. 

In Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ), the Supreme Court affirmed that consumers suffer a concrete injury when incorrect or unverified information is disseminated, and credit bureaus can be held liable for damages resulting from negligent reporting practices.

The following unauthorized inquiries must be removed 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 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 I am including copies of my credit report showing these inquiries as well as identification to verify my identity.

If you can not provide verifiable documentationsuch as a signed credit application or digital consentfor each of the inquiries listed above, they must be deleted immediately as required by law. 

Failure to comply with this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general, and pursue legal action for damages under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), which allows up to {$XXXX} per violation, plus punitive damages and legal fees.

Please consider this letter a final notice before legal escalation. I request written confirmation that these inquiries have been removed within 15 calendar days from the date of this letter. Respectfully XXXX XXXX XXXX without prejudice
Product: Mortgage

On XXXX XXXX, I received my ARC by XXXXXX/XX/XXXX, statement informing me they did not receive my XXXX payment. I called their customer service dept on XX/XX/XXXX and was told they would send me a " Missing Payment '' form. I waited 5 days and called again only to be told that they no longer had access to my file and that I should call the new mortgage company, XXXXXX/XX/XXXX I called their customer service and was told I still had a delinquent payment. 
I belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. I authorize my mortgage payment to be paid monthly on the second or third of each month. 
The XXXX payment was withdrawn from my account on XX/XX/XXXX. I attempted to send copies of proof of this payment to XXXX only to be told to talk to XXXX XX/XX/XXXX because they did not have my file.. 
I have records of my many attempts to provide the proof of processing information I have available digitally on the XXXX XXXX XXXX XXXX checking system to XXXX and XXXX. 
I called XXXX XX/XX/XXXXcustomer service ( these calls happened from the XXXX of XXXX through the end of XXXX XXXX - I was asked if the check was cashed which surprised me because no one had asked that before. I immediately called my credit union to be told they would check. I was then told that it had not been cashed. The credit union applied the payment into my account and I requested the payment to be made on XX/XX/XXXX. XXXX received the payment and I am current. 
My husband passed away the middle of XXXX and because he was a XXXX veteran, I applied and was subsequently approved to apply for a low interest loan, I was told on XX/XX/XXXX I was turned down for this loan because I had a delinquent payment. 
I called XXXX on XX/XX/XXXX saying that I had made a good will attempt during the month of XXXX to straighten out this problem that I DID NOT CAUSE only to be told they were legally obliged to process the delinquent payment to the consumer reporting agencies I was aware that there was to be a transfer effective XX/XX/XXXX and had adjusted my payment information accordingly. The XXXX payment went through with no problem.
Product: Checking or savings account

Had my checking account hacked from a random person in XXXX XXXX. Multiple charges, basically charged my card different amounts until it was {$0.00}. Called Chase XXXX and they were able to refund the credits. By the time the investigation was done, they charged my card {$160.00} and told me that my claim was reversed. They said that since the pin was used, it was a valid charge. The card was hacked while it was in first class mail. Not even in my possession. Im out almost {$200.00} because the fraud team deemed that it was me. Extremely frustrated with chase. I am very low on funds and now I have to lose out on that because I was hacked from someone in XXXX XXXX.
Product: Mortgage

Closed on XX/XX/15 Im the seller. Huntington bank was paid on that day. My attorney said they owed me XXXX dollars escrow Im still waiting for it. Huntington customer service keeps telling me they are cutting the check.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following negative items reported on my credit file. Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I have identified discrepancies and inaccuracies in the reported accounts. These items are invalid and must be deleted immediately as per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the results of the reinvestigation of my dispute that I submitted to XXXX/Equifax/XXXX  XXXX XXXX XX/XX/2023, through the CFPB portal. [ Account XXXX. All is being investigated by the FTC ]. Despite my efforts to bring to your attention the inaccurate information appearing on my credit report, including the XXXX XXXX account that I have disputed, I was disappointed to learn that the only action taken was to update my address and add a telephone number. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Furthermore, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

These violations have caused undue stress and financial strain on my life, and I demand that they be rectified immediately. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Therefore, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX account completely removed from it. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

Reporting of inaccurate information is a serious matter, and I urge you to take swift action to rectify this issue. I believe that the following CFPB codes may be relevant in this matter and I request that you consider them when reviewing my dispute : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA, and Section 1681b of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from Wakefield and Associates,  Inc and contacted them onXX/XX/XXXX. I spoke with XXXX XXXX on that date and finished my conversation with him at XXXX. I advised him that I had no idea about two ( 2 ) outstanding bills from XXXX XXXX XXXX especially since they were from XX/XX/XXXX & XXXX, XXXX. I ask for back up and was just told by XXXX XXXX they did not have any. I replied that how did they know the amounts are valid and that I needed the originals so I could do my diligence to see why the insurance company had not paid them either in full or what if any was my responsibility. Mr. XXXX XXXX said that in order to get the information I was requesting that I had to put the request in writing. 

On XX/XX/XXXX, I wrote and mailed a letter ( will attach ) to Wakefield and Associates, Inc, disputing the amount and requesting the back up information. 

The other day my credit bureau alerted me to a negative credit posted to my account from Wakefield and Associates Inc. I called yesterday, XX/XX/XXXX, at XXXX and spent 12 minutes on that call in total, to speak with a person and complain about there actions. To my surprise Mr. XXXX XXXX answered my call and we went back and forth with him using semantics and other " normal '' tactics employed by non-professional agencies. Long & Short he " transferred '' me to a supervisor to which I was put into voicemail. I left my Wakefield A/C # twice along with my cell number twice and advised I was very angry and expected a return phone call. Have you heard from them because I certainly have not. 

I have disputed their negative dispute with XXXX  ( Report # XXXX ) and XXXX  ( did not note report number ). 

I think that Wakefield and Associates Inc need to have better over site attached to them as well as be more upfront and honest. 

Thank you very much.
Product: Debt collection

We have a debt by the local clinic that was sent to this company. They repeatedly called during our work hours then when we called back after work they refused to tell us the name of the company. This was a huge red flag because of scam calls. They decided they would then send our debt unknowingly to us to court. When we called to try and settle they said the amount we could pay wouldnt be suffice and they were going to wage garnish me and my husband for MY debt. This debt is solely mine and per the fair debt practices they are not even allowed to wage garnish my husband in the state of South Dakota for XXXXY debt. Over the phone they were unresponsive on working a deal. I went into the company and have a recording of what happened. We agreed my husband would withdraw his XXXX to place XXXX towards the debt and pay a monthly payment of XXXX XXXX They agreed to this. They did not stop the court from wage garnishment even after we made a payment. My children did not have a XXXX because we spent the only money extra we had to them. This is poor practices and frankly I feel like this was a cruel thing to do to a family especially after an agreement between the company and us
Product: Credit card

I received a piece of mail from American Express with a prequalified offer for the Blue Cash Everyday Card offering me 12 months with a 0.0 % introductory purchase APR as well as 0.0 % APR for balance transfers. I applied for the card and was approved. Upon speaking to a customer service representative I was told that I did NOT have the 0.0 % APR for purchases, and that this offer was never made to me. I called and spoke to ANOTHER customer service representative who informed me that I DID have the 0.0 % intro purchase APR. Having gathered XXXX conflicting answers to my inquiry, I called again and was told that I did not have the 0.0 % purchase APR. Furthermore I was also told that, that offer was not available on the website or anywhere else. Appalled that I had basically just been called a liar by the marketing team, I went on the americanexpress website and quickly found the offer terms for the XXXX Card. If, this promotion is not offered, it should not be promoted on the American Express website, through American Express mail, or on third party websites, i.e. ; XXXX XXXX. This is false and deceptive advertisement. I also asked XXXX, XXXX, XXXX, and XXXX, the XXXX different employees that I spoke with if there was any situation in which the introductory APR would not be available to a customer, a question in which the employees could not answer.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance reported a late payment to all 3 credit bureaus even with my loan obligation being fully satisfied. My insurance company electronically transferred {$9600.00} to Capital One on XX/XX/23. I'm sharing the receipt of this here. Once I was informed by my insurance agent that payment was made in full, I canceled my last payment. Further, Capital One sent me a refund of two payments after my account closed for the last week of XXXX and the first week of XXXX due to overpayment made on the account. 
Despite providing evidence, Capital One refuses to make the changes necessary on my credit report. As a result of this late payment, my credit score has now dropped XXXX points and I am unable to get financing on another vehicle.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX account, and I somehow misclicked and ended up with a credit card from them. I mistakenly applied for a credit card that I promptly had cancelled, and it got closed by XXXX XXXX I dont consider this a legitimate account since it was mistakenly created and I immediately had it closedit was never used either. I need this account removed from my credit file ( s ) since it is niether accurate, relevant, or desired, I dont want this lingering mistake to remain in my report as a reminder of this misclick. This null account exists on all three of my XXXX, Experian, and XXXX credit bureau reports Please help me remove this inaccurate and mistaken information ( account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and XXXX of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and the violations. Its been over 30 days, and I have not received a response. Copies of all dispute letters are attached.

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as 'disputed. ' Additionally, FCRA Section 605 ( c ) has been violated, as the last activity date is incorrectly reported instead of the actual payment date.

Furthermore, the company has failed to validate this collection account, violating FDCPA Section 809 ( b ) per FTC guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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

On XX/XX/XXXX I found out that a company named Equifax somehow had access to my SSN and credit card information. I also found out that they somehow lost this, and HALF of my fellow countrymen 's information too. I also found out that this had also happened on a much smaller scale months ago. Equifax refused to implement the proper security protocols to change their vulnerability and now has lost half of the USA 's populations most important information. The worst aspect of all of this is that Equifax executives sold almost {$2.00} XXXX in stock sales following data breach back in XX/XX/XXXX. So while they profit, the people affected by this breach sit and wait for a con artist to steal our identity. So what do I do now? I ca n't change my SSN. Our country refuses to have a national ID. I simply have to wait for someone to use steal my identity. SSNs were not intended to be used for identification purpose. They are about the least secure form of identification possible. Equifax must pay for their lax security, executives greed, and indifference towards the US citizens information.
Product: Checking or savings account

XXXX fraudulent checks ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) totaling {$16000.00}. We notified the bank on XX/XX/XXXX and was told by XXXX XXXX that they will put a freeze on the account and will start an investigation and we will get the money back in the account within XXXX  days. I asked XXXX if we need to make a police report, and I was told that was not needed, the bank will do the investigation. I emailed XXXX on XX/XX/XXXX2024 inquired on the status of the investigation. I received a voicemail on XX/XX/XXXX2024 stating I would have to come in the bank to fill out an affidavit to continue the investigation. That was XXXX  days after I first called the bank to file an inquiry. 

When I called the main regions bank number for fraud, I talked to XXXX XXXX and XXXX XXXX, who told me no investigation was ever reported by the branch. They created an investigation on XX/XX/XXXX the investigation claim number is XXXX. 

My concern is that the checks were cashed had no endorsement and were written as a bill pay from my bank, making me concerned that someone from the local bank committed check fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below have 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 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 USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.