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

Experian, XXXX, and XXXX have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with XXXX are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

Any and all consent to Experian, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' Experian, XXXX, and XXXX are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016
Product: Debt collection

I've been attempting to have this debt removed from my credit history due to the collection company failure to show origin for the last six months. I personally contacted them on XX/XX/2018 and prior months before through XXXX XXXX. I requested a copy from the representative which she replied she would send almost two months ago and I haven't received as of yet. I asked why I never received any notice of this debit to which she replied a notice was sent to a XXXX XXXX which I haven't had in over 25 years. I gave her the address to send the bill to and also stated that if this was a medical bill I'm sure there was an address I stated when registering. She stated the bill was from XXXX Hospital Center. I went to the XXXX billing office and was told I had no fees owed to them. I relayed this info to the collection agency but their only response was to resubmit these bill to all three credit bureau agency as if they were new account for which I took a hit on my credit reports and believe that was there intention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the XXXX Credit Bureaus XXXX, XXXX and Transunion have violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has never received my permission and is falsely reporting this Account on my credit report as open with late payments. 

I do not recall opening this account and have any recollection of this credit line or balance reporting. It's labeled as a charge off. It is still reporting as late. Every time a dispute is put in my credit score drops because they add late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Response Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.

Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. 
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!
Product: Checking or savings account

Chime financial opened a fraudulent account in my name. I received an unsolicited debit card in the mail on XX/XX/22. I immediately called them on XX/XX/22 to close the and alert them of the fraudulent activity. Rather than addressing my concerns and immediately closing my account they gave me the run around and promised someone would contact us in 24 hours. This company is complicit in supporting fraud and is more interested in getting people off the phone than addressing illegal activity they are supporting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this XXXX. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

National Recovery Agency has added an erroneous debt to my credit report for {$620.00}, despite their failure to provide any validation for the debt as required by law. 
In XXXX, I filed a dispute with the credit reporting agencies regarding this same debt, after their investigation, the debt was removed from my credit report. However, in XX/XX/XXXX, National Recovery Agency added the same debt back to my credit report under a different ( new ) account number. I subsequently requested debt validation from the company, but they have been unable to provide any documentation to prove that I owe this debt, including information on the original creditor or the correct amount. 
Despite failing to validate the debt, National Recovery Agency continues to report this unverified debt to the credit reporting agencies, severely damaging my credit score and violating my rights under the FDCPA. This repeated reporting of inaccurate and unverified information is both misleading and harmful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I applied for credit and the company Acima declined my application the email stated unable to verify my identity!! How can I clear this up?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX and I have told XXXX, trans union and XXXX for 5 plus yeras or so that different accounts where opened in my name by my XXXXXXXX  and I did not authorise these! These need to be taking off my account now because as a victim of XXXX XXXXXXXX I am protected! I will get XXXX XXXXXXXX, XXXX XXXX and the XXXX XXXX involved plus I want compensation for the pain and suffering yall have cauased me even further and I am XXXX!
Product: Checking or savings account

This is a copy of an email I received. I do not have a SQUARE Account! 
XXXX {$640.00} withdrawal from your bank account XXXX - XXXX  XXXX XXXX XXXX  XXXX  / XXXX Square. com/Support XXXX Thu, XX/XX/XXXX XXXX XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
{$XXXX} withdrawal from your bank account Hello, Were reaching out to let you know that your bank account will be debited the amount of {$XXXX}. However, the customer has disputed this charge. Kindly cancel the transaction if you are not aware of this deduction, View Dashboard for more Information VIEW DASHBOARD The funds will be withdrawn within one to two business days.

SUPPORT CENTER Visit the Support Center for more information on Squares deposit schedule.

Thanks, The Square Team Receiving too many emails?

You can view all of your day 's activity on your Daily Summary Email.

Turn off Per Transaction emails now.

2021 SQUARE, INC. ALL RIGHTS RESERVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX UNSUBSCRIBE FROM THESE EMAILS Reply, Reply All or Forward
Product: Credit card or prepaid card

I made a big mistake taking out a  PNC CashBuilder  card ( which is anything but cashbuilding ) a few years ago. This card has caused me nothing but grief charging a Cash Advance fee of 22.74 % plus a purchase APR of 18.74 %. I do n't even know where the Cash Advance came in to the picture. I never used a Cash Advance. I contacted a rep and he told me I was only making the minimum payment of {$210.00} per month, which is also incorrect. Actually, the bank has been taking out {$280.00}. automatically pe r month out of my account for a few years now and when I told him to look it up, he could n't understand it either. He told me to remedy this I should pay {$3000.00}, which I am afraid to do. I really need help with this.
Product: Debt collection

I initially filed a complaint against  TD B ank, USA and debt collector attorney 's office  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX . for deceptive tactics to collect on bad  debt.TD Bank USA  responded stating that  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  was servicing the account.     I was sued on this account an d TD  Bank stated they wrote this account off. If this is true, they never sent me a  XXXX  to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account.     It has already been determined in the letter that they charged the account off o n   XXXX   XXXX  , 201  6 wh ich was in the response  Case #    XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm.     If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud.     Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply   TD Bank ca n't sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report last night and noticed that there was a new collection that appeared on my account from XXXX. XXXX, XXXX XXXX ( XXXX XXXX ). It shows the date it was opened as XXXX XXXX, 2024 and shows a balance of {$280.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : XXXX. The amount they think I owe XXXX the name of the creditor XXXX. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with unauthorized and unverified XXXX and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. XXXX Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the XXXX and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FRCA & 605B ( 15 U.S.C. & 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate and false information consist of an account opened at XXXX XXXX on XXXX under account number XXXX with a balance of {$9100.00}. An account opened at XXXXXXXX XXXX on XXXX under account XXXX with a balance of {$1400.00}. An account opened at XXXX XXXX on XXXX under account number XXXX with a balance of {$200.00}. and an account opened at XXXX on XXXX under account number XXXX with a balance of {$1100.00}. These accounts have resulted in several fraudulent accounts appearing on my consumer credit report maintained by you which show the aforementioned items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned accounts are the result of identity theft and fraud.
Product: Debt collection

RE  : Convergent Outsourcing /   XXXX  Sin ce 2012, I ha ve had a number of different debt collectors contact me regarding a bill to  XXXX . The amount claimed owed is {$1100.00}. I have explained to eac h one of them  that the debt is inaccurate and disputed for multiple reasons, primarily because I had called  XXXX  personally back in  XXXX   2012 and e xplained the problems I has having with their service. The CSR I spoke with said  XXXX  would waive the {$300.00} per line EFT ( early termination fee ) ; yet, for whatever reason,  XXXX  apparently charged the debt off as bad debt and sent it across the country to a  XXXX  different debt collectors, some of whom briefly reported it to my credit history.     I have received no written notice from Convergent Outsourcing it is  the ( latest )  agency trying to collect this disputed debt. The first I heard of it was when alerted by my credit-monitoring program that a new collection was reported by Convergent.   Worse, I do not see them so much as reporting it disputed, despite the fact the debt was been disputed at least a half-dozen times over the last 5 years. I am aware that various state and federal consumer-protection statutes, such as the Fair Debt Collection  Practice Act, requir e the disclosure of dispute whenever communicating about a disputed debt. I dont apparently even get that courtesy here.   I realize that Convergent is in the business of collecting debt, and is simply following through on its clients wishes, but it nonetheless has an obligation to do so correctly. I would ask that Convergent request whatever tradelin e ( s ) it r eported to be deleted, and for it to return the account to  XXXX  and properly inform them of the problems outlined here, so t hat God willing  and the creek dont rise this is the end of this saga. Thank you.
Product: Mortgage

NewRez LLC took over management of my mortgage from XXXX XXXX XXXX in XXXX of XXXX. I had auto debit set up with XXXX from the start and never had any problems. The auto debit process transferred to NewRez LLC with no problems and remained that way ever since. 

Then on XX/XX/XXXX NewRez LLC has sent an email notification that I am delinquent on my monthly mortgage payment of {$1000.00}. They followed up with a USPS letter received XX/XX/XXXX. 

I sent an email on XX/XX/XXXX requesting clarifications on the delinquent payment notification. I have never received a reply. I have continually tried to call them via the phone number they provide ( XXXX ) and I get the error message " your call can not be completed at this time, please try again later ''. In the meantime, they continue to take money from my account to cover my mortgage. This feels like a scam and I'm questioning the legitimacy of this company. Are they attempting to pad their revenue with bogus collections?
Product: Mortgage

I've had a mortgage loan with Flagstar Bank since XX/XX/XXXX. My taxes have been deferred due to my XXXX XXXX since about XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes, however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX, I received a new escrow analysis from XXXX with my payment going from {$900.00} to {$1700.00} because XXXX paid my taxes which resulted in a negative escrow balance. I called XXXX and told them that my taxes were deferred which was also reflected in their system. They said it a mistake on their behalf and would be corrected, they would start working on getting a refund from the county in which they paid. On XX/XX/XXXX they informed me that there was nothing that could be done because they couldn't get their money back from XXXX County. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. On XX/XX/XXXX,  they withdrew the full {$1700.00} from my bank account. This resulted in my bank account going into the negative and all pending payments sent for bills were returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake which they're unwilling to take accountability for. Additionally I never received correspondence indicating their decision to keep my payment at the higher amount. Even though I was told by the escrow department back in XX/XX/XXXX that my issue would be considered " high priority ''. However I didn't find out until the debited my account for the {$1700.00} instead of the {$900.00}.
Product: Mortgage

On XX/XX/2018 21st Mortgage provide illegal mortgage for Estate Sale " XXXX XXXX '' estate of XXXX, GA. My mother informed lower court XXXX XXXX, Attorney XXXX & other parties that was wrong of XXXX XXXX. The Magistrate sold 10 arces of prime real estate. The underwriter perform illegal estate.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX XXXX, and Equifax for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/2024 reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status. 
Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting. 
Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, XXXX, and Equifax demonstrate conflicting and inaccurate reporting for the XXXX account : Equifax : Reports a 30-day late payment for XX/XX/2024, which is incorrect and unsupported by any payment records. 
XXXX and XXXX : While these bureaus do not list a 30-day late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, XXXX, and Equifax to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of XXXX XXXX on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX