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

I have disputed XXXX XXXX regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information.

15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.
Product: Mortgage

We received a loan modification from XXXX  XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, our loan was transferred to Seterus. This mortgage company is horrible to deal with. No monthly statements, billing, no credit reporting of " perfect payments '' for past 4+ years, no call backs, horrible customer service. We owe approximately {$320000.00} on our primary home that was loan modified. I pay monthly, religiously to a XXXX XXXX in XXXX XXXX. Very scary that I have no proper accounting of all of my payments for years!
Product: Credit reporting

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.
Product: Credit reporting or other personal consumer reports

i do not recognize the negative accounts appearing on my credit
Product: Consumer Loan

I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.
Product: Debt collection

Back in 2017 I was the victim of a fire. My apartment caught fire and I lost many personal belongings along with furniture, clothing, electronics, etc. After all that I was very depressed but wanted to make sure I notified the appropriate parties of the issue I had. One of the companies I notified was XXXX. I told them that the equipment had been burned in the fire. They told me " Ok, no problem ... we will go ahead and waive that box fee '' when I asked them if there was anything else I needed to do they said " No, everything is taken care of '' and I was " good to go ''. I did not need to get the service again so I was under the impression that this issue was resolved. Unfortunately a while later I realized that they had sent me to collections. So I called XXXX back again and the person who I spoke to told me that they didn't waive the box fee and that I had to pay and the person I spoke with was incorrect. I didn't think that was fair. The original person I spoke to at XXXX told me they would waive it and I would not have to worry about it. And it doesn't make sense why should I be responsible for something that got burned in a fire? This was not my fault. Now it's on my credit and it is damaging my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in XXXX and I've never lived in XXXX or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 's XXXX, Bankruptcy, XXXX XXXX, XXXX inquires XXXX This needs to be resolved.
Product: Money transfer, virtual currency, or money service

I have a verfication problem in Airtm dollar wallet they denied my account verfication
Product: Credit card or prepaid card

XXXX XXXX. has a policy where if you miss XXXX of your payment, get returned back, they cancel your whole credit line. didnt even miss a payment, just had auto pay on the day before due date. and i didnt have the amount then, but paid the payment, so it wasnt late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 without my written instructions. 

15 U.S.C 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been followig my credit score monthly for years. It has always remained >720 since XX/XX/XXXX. I have been following it through XXXX XXXX XXXX. On XX/XX/XXXX, I checked my credit score after receiving a notification, and it had dropped from XXXX ( XXXX ) to XXXX. In an attempt to understand the very precipitous drop, I obtained credit reports from all 3 bureaus on XX/XX/XXXX - all indicating that i had exceptional payment history ( with no late payments ), with a credit utilization rate of <30 % on total credit and no recent inquiries, etc. I contacted equifax on XX/XX/XXXX which was unable to inform me of why the sudden drop. I contacted XXXX  on XX/XX/XXXX but they were reporting that my credit was still XXXX on their website. I then contacted XXXX- which informed that the likely reason my credit score had significantly decreased was due to my student loans ( XXXXDepartment of Education loans XXXX. They stated that : " The balances on your accounts are high compared to the original loaned amounts, lowering your scores... the balance amount paid down on your open installment account is too low '' - XXXX Credit Score & Analysis ( XX/XX/XXXX ) This is despite me being on a REPAYE plan by XXXX based on my income. After research, our concern is how the rollout of the CARES Act, suspending student loan repayments, might have been misreported by XXXX, leading to a negative event to credit bureaus, and subsequent unfair drops in credit scores ( as reported in Sass and Hounanian v. Great Lakes Education Loan Services, et al ). 

The only other concern they had was that one of the credit cards was utilizing >50 % of the credit utilization rate- but they did not believe this accounted for the significant XXXX point drop in my credit. Also, since XX/XX/XXXX when I saw the credit drop, we have paid a significant portion of that credit card off, as to remain <30 % utilization. 

We are in the process of applying for a physicians loan to buy our first house and, with no answers why from the credit bureaus, this has singificantly impacted the process.
Product: Debt collection

Southwest Credit Systems continues its attempts to collect a debt that I have disputed multiple times with them and 9 other collection agencies representing t-mobile before them. 

I was never mailed a notice that they were attempting to collect a debt from me. I first saw this on my credit report and immediately filed a written dispute notice with their company. 

The second time it was disputed when they called me and violated the written request for a do not call order and to have all communications in writing. 

I sent a third request through credit agencies XXXX months ago and have not received a response but they are still actively pursuing a false debt!!!
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this compsfalaint stating it is not me. I am a natural person and a consfumer.
Product: Debt collection

This company uses a robo call to threaten me to collect a debt. I do not have a debt. They claim to be from Direct Recovery Services. They even give a web site www.directrecoveryservices.com on the recording and a reference number. The end of the recording advise you to go to the website to pay. There are two voices.The recording uses threatening language and frightens my children when they hear the recorded message. They say things like " this is our last attempt to contact you, '' " as the law requires, '' " you are not blind sighted by the events taking place, '' " it is absolutely imperative we speak to you today. '' The voice is loud and angry.
Product: Credit card or prepaid card

On the XXXX-2017 i called COMENITY CAPITAL BANK to find out about my account because of a late fee they had put on the account she proceeded to tell me the reason they applied the late fee is because the payment had arrived late I told her how can the payment arrived late when it was sent to you electronically. Then I asked her or you going to remove that late fee because at the time the balance of the account was only {$2.00} that was due and they had posted a late fee of {$35.00} when she said that they were not going to remove the late fee I said okay well then cancel the account then she asked me to whole on for a little while and she went and talked to someone and then came back and told me if I did not close the account they will remove the late fee so I agreed with that and she told me that the account would have a XXXX balance at that time so I agreed to keep the account open providing that they remove the late fee and put the account at a XXXX balance. But then I checked the account again and find out that they were still adding late fees to the account I cancelled the account. and at the time of canceling the balance was {$56.00}. I closed the account because they did not live up to the agreement in which they stated on the XXXX month XXXX 2017. <P/>Account # XXXX -- -- ( CREDIT CARD ( XXXX ) Also I want the negative items that was placed on my credit report removed immediately if not done so I intend on filing a lawsuit to obtain damages. <P/>Also I want them to stop calling my telephone 5 to 4 times a day here 's the proof that they did so.
Product: Credit reporting or other personal consumer reports

I have contacted Possible Financial and their debt collection company several times to rectify this issue. 

I paid this debt in XX/XX/year> and closed the fraudulent account out. However, Possible Financial continues to report it on my credit report as a collection account with a balance. It has been 4 months and Possible Financial has not removed it from my credit report and reported it as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with Equifax and XXXX  respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In 2015 the CFPC ( Consumer Financial Protection Bureau ) reached an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now submitted 4 different dispute letters to Equifax regarding accounts that I do not feel are accurate ; these were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint against Equifax on XX/XX/XXXX with the complaint ID number of XXXX, which in return their response was that more information was needed ; which if they had reviewed the 3 different disputes I've submitted, they would see that they have the information they're asking for!
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out XX/XX/2020, my Social Security number had been compromised, i.e., identity theft. I filed a police report, a complaint with the Federal Trade Commission, an Affidavit of Identity Theft with the IRS, called our local Social Security Office as well as phoned the Attorney General 's office and emailed them. I then proceeded to go " lock '' or " freeze '' my credit reports. In doing so, I was reminded that I had frozen all of them back in the end of XX/XX/2020 due to some personal financial information that went missing via USPS, but turned up much later. In the meantime, I never removed the " freeze '' on any of my accounts. on Friday, XX/XX/2020, I called each bureau and put a " fraud alert '' on my credit reporting accounts also. When checking my report this morning ( as obviously I have to do pretty much every day now ), I find that Transunion, while my credit report was supposed to be " frozen, '' allowed an inquiry by my employer. First, my employer should never have access to my account without my written consent, this is my personal information. Second, the date of the " employer verifying '' was XX/XX/2020, the exact same date that the Employment Security Department was indicating I was laid off work and trying to verify my " claim for unemployment. '' I have no claim for unemployment, I have been at work since day one of this pandemic we are experiencing. Therefore, whether it be the Employment SEcurity Department or my " employer, '' there was an " inquiry '' on my credit report which was " frozen '' so as not to allow any inquiries or applying for credit without speaking with me first. Transunion allowed this to happen ; and now when I try to reach out to them to find out who made the inquiry, Employment Security or my employer, they will not answer my questions, I can not understand a word their employee is saying, and then they say I need to file a " dispute '' and they forward me to the " dispute '' line which immediately says " Your call can not be taken right now '' and hangs up on me. This is after 30-45 minutes of waiting on hold just to get through only to get nowhere. I'm highly concerned for the safety of my financial information.
Product: Debt collection

I reached out to the company via mail on XX/XX/XXXX. I requested validation of debt and I never received a response back. It has been more than 30 days, violating my FCRA rights. The agency has unverifiable information therefore, They need to delete all information from all credit bureaus. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted 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 or other personal consumer reports

ATTENTION EXPERIAN! 
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. 
I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX Balance : {$32000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$15000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease
Product: Debt collection

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple accounts that are inaccurately reported on my credit report, violating both the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ). Despite disputing these accounts, the companies involved have continued to report incorrect details without conducting proper investigations. The accounts in question are as follows : - *XXXX XXXX : Account Number XXXX - **XXXX XXXX  : Account Number XXXX - XXXX : Account Number XXXX - *XXXX XXXX : Account Number XXXX - *XXXX XXXX XXXX XXXX ) ** : Account Number XXXX Each of these companies has failed to ensure the accuracy of the information reported, as required under the FCRA. Additionally, they have used misleading practices in their collection efforts, in violation of the FDCPA. I request the immediate deletion of all these accounts from my credit report due to these violations.
Product: Checking or savings account

I have been with the BB & T account for about a year.When I opened the account I have had difficulties depositing them at the ATMs and they are never good apart from that when I opened the account they did not inform me that when you make a deposit it has to be before XXXX at night and especially the banks enter a transaction they give the client until the next day to make the deposit I tried to make the deposit and could never have the facility to do it and what this bank does is take him The money to the clients only with a minute that passes you to make the deposit they have stolen {$290.00} in a course of a few days where when I opened the account I deposited XXXX XXXX dollars and today a few days ago I tried to deposit the money and for the reason that they joined XXXX XXXX the system does not recognize the debit card and that's why they steal your money I need you to please help me with that and demand that they give me my money back that bank everyone to him those with financial problems are stolen from clients
Product: Credit reporting

Our {$500000.00} Heloc loan with XXXX XXXX XXXX, which had an outstanding balance of {$490000.00}, was paid in full on XXXX/XXXX/16. However, all three CRA 's are still showing both of these amounts ( credit limit and balance ) as outstanding, even though they have received notification from the bank that this Heloc has be paid in full. When I called Experian today, I had to wait on the phone for over 25 minutes before someone answered, and then they told me it could take up to 30 days to correct my credit report. In the meantime, my FICO scores are being negatively impacted. 
I can not believe that it takes these agencies 30 plus days to reflect accurate information. This is well beyond what should be a reasonable time frame to update information.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2400.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX
Product: Credit card or prepaid card

An account was opened under my name and I believe a credit card was issued. It is reporting erroneously under my name and social. I have never applied for a card or received a card under my name from Capital One.