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 XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX acct # XXXX has voilated 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 with my written instructions.
Product: Mortgage

Follow up to XXXX : The Servicer appears to be in violation of XXXX XXXX as the annual escrow analysis offered an option for a lump sum payment as one method of curing the deficiency in the escrow account. See the CFPB Supervisory Highlights XXXX of XX/XX/2020 regarding mortgage servicing. Attached you will find a picture of my statement.
Product: Credit reporting

XXXX XXXX a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES ADMITTED ON XX/XX/2024 TO CFPB THAT THEY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). PORTFOLIO RECOVERY DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX  WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. PORTFOLIO RECOVERY HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Debt collection

I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. The company Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. I will not be paying this unknown debt.
Product: Debt collection

I DO NOT owe this debt.. I asked enhanced recovery ( XXXX ) to prove that I owe this debt and to verify it with some sort of original contract but they did not. They sent a bill with a balance.
Product: Checking or savings account

I open account with Regions bank I deposited XXXX $ in the account a week later I got a letter saying I owed money to the bank and the XXXX was taken I called couple of times no response or returned called I finally got ahold of a manager at the branch name XXXX XXXX Saying there was no other account for me with a previous balance also the manager by the name of XXXX XXXX open the account for me And did it see anything as well if I owed any amount it wouldnt never let me open up a account according to both managers they neither one saw anything this happened In XXXX and just now being addressed Ive got emails about the account being open ending in XXXX No debit card or anything
Product: Debt collection

XXXX XX/XX/2023 Ive received A letter in mail saying I owe {$360.00} and I recently have issues with my ssn fraud is the cause
Product: Debt collection

XXXX has put me in collection for a debt that I do not owe. They have never sent any outstanding balance info and never contacted me once about any unpaid debts. I do not have an account with Enhanced Recovery Corp and do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I've been sending out disputes to all 3 bureaus XXXX, equifax, and XXXX  since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as equifax reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.
Product: Bank account or service

BBVA Compass Bank has defrauded me for {$510.00}. 

In XXXX I signed up for a checking account at what was then called Compass Bank. The terms of the account included the provision that it would be free for the life of the account. There would be no monthly service fees, ever. 

Early in XXXX, the bank ( now known as BBVA Compass ) begin charging a monthly service fee of {$10.00}. They had no justification for doing this and no authorization or agreement from me. 

At that time, the account balance was {$79.00}. From that point until the end of XXXX, XXXX deposits were made into the account, totaling {$180.00}, for a total of {$260.00} of my money. 

However, unbeknown to me, BBVA Compass was continuing to charge {$10.00} per month, until it consumed all the funds, at which point the bank began to impose penalties. 

Now they have not only seized, fraudulently, my {$260.00}, they also say I owe them an additional {$240.00}. They have turned this so-called debt over to the collection agency, XXXX XXXX XXXX XXXX XXXX 

This is fraudulent. The small sums coming into the account were from affiliate sales commissions I earned. I looked on them as a nest egg for a rainy day. I had every reason to believe that I could safely ignore correspondence from the bank, which I felt was likely to be sales-related. I had no reason to think anything was wrong until I received a collection letter from XXXX XXXX. 

I have spoken with a teller, XXXX XXXX, at my local bank branch. It was she who prepared the worksheet showing how much money would have been in the account had no service fees been charged. I asked that my money be given to me, that all fees be reversed, and that the account be closed in good standing. 

I met with XXXX XXXX on Wednesday, XXXX XXXX, XXXX, when she prepared the worksheet and said she would take the information to her branch manager, XXXX XXXX XXXX, for further action. She said XXXX XXXX would contact me. 

When I had n't heard from XXXX XXXX by Tuesday, XXXX XXXX, I phoned and left a message on her direct line. She still had n't called back the following day, when I called again and finally got through to speak with her. 

XXXX XXXX informed me that she had no authority to reverse the fees and that it had taken two weeks to get back to me because she had been looking into it. She 's the branch manager. It 's difficult to understand how it could have taken two weeks to determine that she lacked any authority in this matter. In fact it 's difficult to understand how she could lack the authority. 

XXXX XXXX said that, since she lacked the authority, she would escalate the case to the bank 's Customer Care office and that I 'd be hearing from an officer in that group. When I asked when, she said within five to seven business days. I said that considering the excessive delays so far, that was n't fast enough. I set a deadline of Friday, XXXX XXXX. She noted this, repeating the date back to me. 

As of Sunday, XXXX XXXX, I have still not heard from the Customer Care office or from anyone else at BBVA Compass Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

On XX/XX/2019, an unauthorized charge of {$100.00} was made from Best Buy to my Citi Mastercard. I did not authorize this charge. Best Buy and Citigroup are both giving me the runaround. I just want the charge reversed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified several inconsistencies across the three bureaus regarding my Cap1/Kohls account : XXXX is reporting a 30-day late payment, which is not reflected on my XXXX or XXXX reports. The Past Due - 30 Days column for XXXX shows a " 1 '', suggesting an erroneous late payment entry.

There is a significant discrepancy between the activity dates : XXXX shows the last activity on XX/XX/XXXX, XXXX shows it as XX/XX/XXXX, XXXX lists the last activity as XX/XX/XXXX. This inconsistency could indicate outdated or incorrect information on one or more of the reports. Additionally, the " Last Verified '' and " Last Reported '' dates are not consistent across the bureaus. XXXX and XXXX have missing verification dates, while XXXX lists the last verification as XXXXI believe these discrepancies, particularly the 30-day late payment and the differing activity and reporting dates, are erroneous. I am requesting that you provide verifiable proof of the reported late payment or promptly update my account to reflect never late. If no documentation supporting this late payment can be provided, I expect the account information to be corrected and accurately updated across all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have waited over 20 years in order to have my credit report errors fixed by XXXX, XXXX, including trans union. The investigation into my credit report is taking longer due to the facts of negligence of removing errors that they have not corrected in 20 years. 

The investigations that they are performing is due to the fact they are using other bureaus to verify the information and when questioned of how they are verifying it as the other bureaus don't have the account or records by which the account should be deleted as unverifiable according to the fair and accurate transactions acts, fair debt collections act, I have already begun asking for the actual records from those who are reporting to my profile with the bureaus including XXXX  and XXXX  because of the reported facts with their customer service departments not accurately recording the entire transaction by their csr not reporting and recording properly according to Fair and accurate transactions act. 

This pandemic has given other second chances due to situations beyond their control so why should the circumstances be different due to me. I almost lost my life due to a drunk drivers so why should i have to be treated differently by discrimination because loss of life is loss of live so what is the difference between covid 19 its nothing so this is how i feel about the bureaus moving slowly including creditors who i have tried to work with and they have given me nothing. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not give me my free annual credit score and report on-line. I stress " ON-LINE ''. Transunion tries to FORCE me to send my personal info via USPS to them. They are trying to force me to pay USPS postage and use my envelope. I will not do this because I do not want my info stolen and used for identity theft. Transunion has boiler plate Form 950 they mail to me via USPS informing me to fill it out and return it ... I say NO, I WANT MY REPORT ON-LINE, not in the USPS! 

I get my free annual report from XXXX & XXXX  on-line in minutes. Transunion is a scammer company. They have me fill out all the info on-line, submit. A pop up replies, " we 're sorry, no information exist about you ''. Yeah right, that 's why XXXX XXXX informed me that Transunion gave me a lower score then XXXX & XXXX, it is XXXX V/S XXXX. Transunion has been playing this game for years with me. It 's time Transunion is forced to follow the law and give me my FREE annual credit report on-line! 

Please, do not just tell Transunion to contact me. All they do is mail me their Form 950 Their game playing must stop! Again, please do not just contact them or I will have to contact the CFPB again and again and again. I will not stop complaining until Transunion gives me my free annual report and score electronically on-line, I will not stop complaining until they do allow me to get it on-line!
Product: Mortgage

have called 4 times ( XXXX & XXXX most recent. we asked the company to change over the names on the loan due to the passing of my parents ( former owners ). they sent the form and i and my brother supplied all the imfo they required. my parents had a quit claim deed that was envoked upon the passing of my mother in XXXX my father preceeded her in XXXX they asked for copy of both death cert and a copy of the quit claim deed which we provided. in addition, i sent a document from our citys tax assessors office futhering the fact they my brother and i are the new owners. our names are on the tax bill as well. i faxed this imfo 2x on XXXX and XXXX and the company acknowledged they had recieved it. they keep sending the same form letter that they have not recieved sufficient evidence to confirm that my brother and i are the successors and that i/we have not sent all the rerquired documentation. everytime i call i get different answers. i also asked to speak to a supervisor and they flat out will not do it. i do not know what else they need because they will not communicate what exactly they need in addition to what they initially asked for. we just want our names on the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my most recent credit report i noticed inquiries and accounts i did not authorize ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify about some informations that are continuesly reporting in my credit file. Please make sure that the following items will removed immediately from my credit file. If you do not provide any records & claim the items are deleted please understand I will seek legal action. So please comply with the law so this matter can be handled swiftly. The following items should 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX **TransUnion** XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Bankruptcy Closed Dates To Whom It May Concern, I am writing to dispute inaccurate information regarding bankruptcy closed dates listed on my credit report. Below are the details of the inaccuracies : XXXX. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX XXXX. **Reference Number : XXXX - Reported Closed Date : XX/XX/XXXX - Actual Closed Date ( per bankruptcy court documentation ) : XX/XX/XXXX The closed dates listed on my credit report for the above-mentioned accounts do not match the dates provided in the official documentation I received from the bankruptcy court. I have attached copies of the documents from the bankruptcy court that clearly state the correct closed dates for these accounts. 

The inaccurate reporting of this information is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 605 and 611, which mandate the accuracy of information provided in consumer credit reports. Due to the incorrect reporting, I request that TransUnion promptly correct these inaccuracies and **delete these items from my credit report immediately**. 

Please confirm receipt of this letter and inform me of the actions taken to correct these errors and remove these items from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts On XX/XX/XXXX, ( CFPB Complaint Number # XXXX ), I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Experian with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 

Despite this, Experian failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Experian 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings. 

Legal Basis for Complaint 1. Non-Compliance with FCRA 605B Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. Experian 's refusal to comply with this requirement constitutes a direct violation of federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) Experian failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

3. Precedent Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Affirms the consumer 's right to a fair investigation of disputes. 

Summary of Noncompliance and Violations Experian 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Experian 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
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 : Experian : XXXX XXXX  [ XXXX ] XXXX : XXXX XXXX  [ XXXX ] XXXX : XXXX XXXX [ XXXX ] I am in disagreement with the account listed below which still appears on my credit report. 
This is Aggravated identity theft according to 18 U.S. Code 1028A.n