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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 15 U.S.C 1681, section 602 A. states : I have the right to privacy.

15 U.S.C 1681, section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section, states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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.
Product: Credit reporting or other personal consumer reports

XXXX  has reported a closed XXXX XXXXXXXX account to my credit report. # XXXX is a closed account from XXXX  XXXX. The account is to be removed from my credit reports. As per 15 USC 1681ia1a XXXX  has improperly investigated this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from EQUIFAX, XXXX and XXXX credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CFPB + TransUnion, On my TransUnion credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my TransUnion credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.
Product: Debt collection

I have disputed Portfolio with the credit bureaus XXXX of XXXX stating account number XXXX its not my account. Credit bureau said that account was verified as mines by Portfolio Recovery. I sent Portfolio recovery a certified letter XX/XX/XXXX that this is not my account and please validated the account as being mines. I have not received anything I sent out another letter XX/XX/XXXX and again nothing. How can they update status on the credit report without validating the account with me. Status update on my credit report XX/XX/XXXX and that this information is to stay on record until XX/XX/XXXX. I should not have to wait for this to fall off my report XXXX when this is not my account. Please have this company validate the account as I have asked several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX  XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX, XXXX, and Experian, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( XXXX, XXXX, and Experian ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. XXXX and Experian are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any time.
Product: Credit card or prepaid card

I received a Brinks Prepaid Mastercard in the mail today with my name on it and an account number, and I never applied for one! 

I have no idea if someone else applied for this using my personal information or what, or if this is a really bad marketing ploy on their end! Either way, I think its wrong and Im really worried something bad is going to happen. 

Can you please help me? 

Thank you. 

Respectfully, XXXX XXXX
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 XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank : Wells Fargo credit card for XXXX  Heating and Cooling Products. 

Company : XXXX XXXX XXXX, specifically XXXX " XXXX '' XXXX. XXXX XXXX ran a credit check to see how much I qualified for. But he pulled his offer and we never did business. I never authorized a credit card be issued to me and I received a credit card for an open line of credit today. I only authorized a credit check NOT a credit card nor a line of credit. He's doing all this over the phone and also requested I send my personal information such as my SSN through email. 

XXXX XXXX : ( XXXX ) XXXX Email : XXXX. 

To reiterate : I agreed to ONLY a credit check and did NOT authorize the credit card or line of credit be created under my name.
Product: Debt collection

Upon reviewing my latest credit report, I found several accounts that appear to be inaccurate and were added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I noticed that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. Equifax reports the term duration as 1 month, XXXX reports it as 0 months, and XXXX reports it as 51 months, this is an inaccuracy. In the absence of not providing the method of validation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ]
Product: Mortgage

I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc.
Product: Checking or savings account

During the span of the time i was with Wells Fargo, i had multiple overdraft fees that were charged to my ACCT. my acct was low but i never went over my available amount, by the time Monday hit all the charges made were now negative and i was hit with these " SURPISE '' charges of {$25.00} every charge. Most of these charges were less than {$2.00} at the most. I work weekends and would make several charges and by Monday several hundred dollars a week would put me in the negative thus taking most of my check for the next week. I was with them roughly from XXXX to XXXX, i could be wrong on the years.
Product: Credit card or prepaid card

onXX/XX/2017. I received a statement saying that I had a refund coming to me. In the amount of {$450.00}. The refund was because Citi card had improperly charge too much money or interest on a product that would pay your credit card balance, in the event that I would get sick, hurt or lose my job. So some government oversight group made Citi refund back monies for that product. Due to what ever they did wrong? So after 2 months I never saw the refund check. I called Citi 4 times. 1 call was brief. And they would check on the status. They said I got the money and the check was cashed. I went to My bank and researched no money was processed. 3 other calls were made At Painful length. I got a copy of the check. It was not my signature..and I had not cashed it. I tried working with Citi for a Fraud or  illegal cashing of the check. I asked for the record of what bank cashed the check.. so I could start to figure this out. They Can't tell me who cashed it. 
I told them the endorsement of the check was not my signature, and that I still want the refund coming to me. 2 Times they sent me the check copy when I asked for resolve. So they keep going to step 1.. and their investigation team was going to look deeper for answers..And I have heard nothing. Now their in the news for charging a High Default rate for extended lengths of time.. I did make some late payments due to work issues.. So I may fall into that category as well. But one thing at a time. Very frustrating ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to make a XXXX. purchase via giving my card to a merchant to purchase an item. The purchase was denied. I called TJMaxx/Synchrony to state there was no fraud and I gave the merchant the card #. I called them 3x and was finally told I had to send a video of my license and a video of myself for verification. I attempted to take a photo of my license and it was not accepted. I was then told I was not able to use the card for one week.

This is unacceptable. I normally got a text if there was an issue of fraud. I was not given the chance to rectify the situation. Now I am not able to use the card. Every person I spoke to at TJMaxx Synchrony was rude and unknowledgable especially the fraud person.
Product: Debt collection

So today XX/XX/XXXX receivables performance put a collection on my credit report saying the original creditor is XXXX XXXX which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXXXXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians investigation has not resolved an issue where my XXXX XXXX XXXX account continues to show payments past due for XXXX and XX/XX/2023. XXXX granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain hard inquiries listed on my credit reports, which appear to be unknown to me and are affecting my creditworthiness. I have reviewed my credit reports from XXXX, XXXX, Transunion, and I have noticed multiple hard inquiries from unknown companies that have no associated contact information. These inquiries are causing me significant concern and negatively impacting my credit profile. 

I kindly request your assistance in investigating and rectifying this issue. I believe that these inquiries are inaccurately listed on my credit report and have not been initiated by me or with my consent. I have never engaged in any financial transactions with these companies nor have I given them permission to access my credit information. 
Here are the hard inquiries and inaccuracies Trans Union!!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized hard inquiries have left me feeling vulnerable and concerned about the security of my personal financial information. I have attached copies of the relevant credit reports highlighting these unknown hard inquiries for your reference. 

I respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these hard inquiries. I am asking for the following actions to be taken : Removal of Disputed hard inquiries from my credit reports. 
Notification to the respective credit bureaus to update my credit reports accordingly. 
I understand the importance of accurate credit reporting, and I am committed to maintaining the integrity of my credit profile. Your assistance in resolving this matter is greatly appreciated. Please inform me of the results of your investigation and any actions taken to rectify this situation. 

I am willing to cooperate fully with any additional information or documentation you may require to facilitate this investigation. You may reach me at XXXX or XXXX for any further clarification or to provide updates on this dispute. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this dispute, and I trust in the CFPB 's commitment to fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXXXXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXXI did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a ten dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.
Product: Credit reporting or other personal consumer reports

Regarding bankruptcy records case numbers XXXX, XXXX, XXXX, XXXX and XXXX This is Willful non compliance How did you get this information, and paperwork that supports this claim Bankruptcy courts do not report bankruptcies I have previously disputed with you and in response you VALIDATE the items as accurate stating that you have validated the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately
Product: Credit reporting or other personal consumer reports

I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received these notices beginning of XXXX.