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

In accordance with the Fair Credit Reporting act XXXX the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me.

Validate this false charge off it does not belong to me.

Verify This invalidated account.

inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( s ).

This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( Experian, XXXX, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account I was in fact paid on time the consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24 and XX/XX/24 I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their problem, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Debt collection

I was served with paperwork in XX/XX/XXXX that I was being sued by XXXX XXXX XXXX for the amount of {$1300.00} for an old credit card account with XXXX XXXX. I was told I had to contact XXXX XXXX to prevent legal action from being taken. I immediately called and set up payments to them, with post dated checks. I made a payment in the amount of {$320.00} to be debited from my account on XX/XX/XXXX, and then {$150.00} on XX/XX/XXXX, XX/XX/XXXX,  and then set up for a {$150.00} every month until XX/XX/XXXX, and then in XX/XX/XXXX {$100.00} to be debited and the debt paid in full. I received another notice in the mail on XX/XX/XXXX that a default judgement was entered against me in the amount of {$850.00} when the total I owe is only {$700.00} after these 3 payments have been made! I tried to contact them multiple times to find out why they are continually suing me after I set up a payment agreement with post dated checks, because the second judgement was for an amount less than what I owed in XX/XX/XXXX. I left multiple voicemails asking them to return my calls to discuss why they are continually suing me even though I have set up payments and they will not return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : XXXX show a past due date of {$1100.00}, Experian Show Past due of {$1100.00} and XXXX show Past due balance of {$1100.00}. Under XXXX XXXX XXXX account must be deleted by XXXX. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX apartments fraudulent fees. I did not forfeit my rental agreement but am getting charged for fees that I did not incur. Don, t understand why they are charging me over {$600.00} dollars. These are fraudulent charges that a manager decided he wanted to do.
Product: Mortgage

Shellpoint mortgage servicing received a transfer of my loan on XX/XX/XXXX ( my mortgage due date ). Their portal was inaccessible from XXXX XXXX and when I logged into pay my mortgage on XX/XX/XXXX as I was told to do by a customer service representative, someone else 's personal and mortgage information was in my account. I logged in with MY username and password and it pulled up someone else 's mortgage, statement, loan number, phone number, address etc. I called customer service to report the issue and gain access to MY loan and the customer service agent did identify this as a problem and remedied the situation. He assured me that my data was not compromised as this other customer 's data had been but I find that hard to believe. I doubt that they have notified the other individual that her information was accessed by me. The purpose of my complaint is to notify customers that their data could have been accessed by others and to have this practice investigated appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022 and XXXX Bank, XX/XX/2022. The inquiries are unauthorized, fraudulent, and not my inquiries.
Product: Checking or savings account

I use capital one banking and my paycheck should have posted on Wednesday. As of this writing, there is no update whatsoever from capital one and my paycheck is not available. My employer confirmed the direct deposit was sent, so Im unable to obtain a paper check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired ASAP. 
XXXXXXXX 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 card or prepaid card

The expiration date on my credit card from Capital One was XX/XX/2020 and I had not received a replacement card, so I called them XX/XX/2020 and the representative advised a new card would be sent out. I waited a few weeks and followed up since nothing was received. The person I talked to again apologized and said they would take care of everything and get a new card to me. Still waiting and nothing came in the mail. Early XX/XX/2020 I received an email from a credit monitoring service indicating an account had closed. I investigated and found it was my Capital One credit card. Additionally, my credit score dropped 40+ points as a result of that account showing closed! I called Capital One on XX/XX/2020 and talked to XXXX who identified herself as an Account Supervisor. XXXX advised the account was closed due XX/XX/XXXX due to no-activity. I explained a replacement card was to have been issued two months earlier and I had home improvement projects to purchase, but had put them off since did not want to use the credit card that had an expired date and was waiting for the replacement card to make the purchases. XXXX apologized saying there was nothing she could do. XXXX acknowledged the XX/XX/XXXX conversation, but now that the credit card was closed, she could not re-open it. I feel the correct solution is for Capital One to honor what they were supposed to have done and issue me a replacement credit card. Additionally, the date open of this card should match the original date open of the account that was closed in error. The trade-line of the closed account should be removed from reporting so it does not adversely impact my credit score.
Product: Credit reporting or other personal consumer reports

I have been a member of XXXX XXXX for some time. One day I tried to sign back into my account and it was locked because they don't have an option to update your phone number. I have tried numerous times in the past XXXX months to get signed back in. They refuse to respond but they have sent me XXXX different emails in the past XXXX days telling me that my credit is damaged. My credit is damaged due to one of their credit cards that they push on people. XXXX XXXX could see that I was in the process of purchasing my home and decided to send me offer after offer for credit cards. The only one that I qualified for was XXXX XXXX It was for a {$300.00} limit. I was making payments on the {$300.00} and actually paid {$120.00} and when I looked at the Balance is only went down {$4.00} to {$290.00}. I tried reaching out to XXXX XXXX since they were the ones that pushed the card on me but XXXX XXXX does NOT have ANY phone number in which to contact them and they refuse to respond other than sending you emails to check your credit report when you can't because they won't unlock it. I have reached out to them on their XXXXXXXX XXXX and they still refuse to respond. I need back into my account so that I can see what damages XXXX XXXX has caused to my credit score. 

This has been going on for almost XXXX  months since I got the fraudulent XXXX XXXX XXXX I have since cancelled the card and was waiting to hear back from them before making any further payments. And instead of responding they have reported my credit to the credit bureaus and maliciously damaged my credit. I signed up with XXXX XXXX and XXXX XXXX XXXX my XXXX XXXX and to improve it and instead my credit is damaged and I most likely will not be able to get my house refinanced and will therefore lose it. All because XXXX XXXX XXXX scam me on my credit a card that was pushed on me by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX, Equifax, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE BEEN A VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was not supposed to go to collections. i am on XXXX XXXX and should be covered by SCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I, finance a vehicle with XXXX XXXXXXXX XXXX  on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several information about the account being inaccrutte THE COMPANY IS IN VALUATION OF SEVERAL LAWS Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XXXX, XXXX and it was closed immediately. I submitted a complain again last XXXX, XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligent about checking my Experian Credit Report every few days. 
Last week it mysteriously went down XXXX PTs Today it dropped another XXXX points. 
I contacted Experian and they are UNABLE to explain why. 
a ) my balances have been decreasing b ) I have paid OFF two credit cards c ) The credit report balances are not accurate : total credit cards 12 actual 11 Credit card balance according to report XXXX actual XXXX d ). NO new inquiries,, yet despite this the credit score has decreased, and NO ONE at experian the keepers of the credit report can tell me why, they refer me to the bank stating " if you want a direct answer you will have to reach out to a credit advisor. Your Bank may have one. '' They also said : " I would be happy to go over our scoring model and factors but will not be able to give a direct answer '' can not give a direct answer. 

Then why in XXXX 's creation is EXPERIAN allowed to handle this information if they do not know how it works. 
Inaccurate reports that are given to banks is in my eyes a fraudulent act. Reporting FALSE information.
Product: Student loan

I have been making automatic re-payments to XXXX loan held by Navient ( XXXX XXXX ) since early XX/XX/2014 on an agreed day between myself and a representative from the company, all of which have been reported as late payments to the credit bureau. I would also like to report that XXXX/Navient has not been sending the requested monthly paper records, documenting my continued payments as per our agreement. I have tried to reach out to them but as usual their over the phone personal have maintained a hostile manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FOLLOWING ACCOUNTS INCLUDED IN THIS REPORT BECAUSE IT VIOLATES MYCHARACTER AS A CONSUMER ACCORDING TO 15 US 1681B PLEASE REMOVE ASAP
Product: Mortgage

I entered into a forbearance on my home mortgage in XX/XX/XXXX due to the loss of XXXX. My mortgage company assured me that if I did this, I would not be reported to credit reporting agencies as late payment. It was my only option to save my home and make it until my next job started. 

Beginning in XX/XX/XXXX they began to ask for documentation due to the forthcoming end of the forbearance period - paycheck stubs from my new job, bank account statements, explanations of all deposits and withdrawals, etc. I did this for them no less than XXXX times, and they continued to tell me that I had to send them the same stuff again and again and again.

My forbearance was set to end with a regular monthly payment on XX/XX/XXXX. I see that they have not yet taken out that payment. My mortgage account is set for auto payment and that can not be changed. I have not made a manual payment because I know that as soon as I do, they'll process the auto payment set up on my account and I'll be out twice my monthly mortgage, which I can not afford.

Today I noticed that they've now reported me as " seriously delinquent XXXX XXXX days '' for this entire forbearance period, despite their own policy that they
will not do so during a hardship.

My decision to get my mortgage from this company was the greatest financial mistake of my life- they have continually found ways to increase my monthly payment due to their own constant mistakes. They need to remove this from my credit report, to process the auto payment for XX/XX/XXXX that my account is set up for, and to apologize.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with XXXX XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to TransUnion not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to XXXX XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2023 I sent XXXX, XXXX and XXXX a Notice of dispute for account Numbers XXXX. The results of the investigation came back verified. Id like a copy of the investigation report, Date of contact, Name of person contacted, and what procedure was used to confirm the information