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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 if also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am contacting you because you claimed you to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, This account STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name : XXXX XXXX XXXX I have previously requested that you investigate this information and have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Credit card

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Over the past several months ( XX/XX/XXXX to XX/XX/XXXX ) I have sent in dispute letters to XXXX, XXXX, TransUnion regarding XXXX XXXX XXXX XXXX account that is on my XXXX  report. The most recent dispute I sent in was for inaccurate information to ALL 3 Credit Bureau 's. My reports show ALL inaccurate dates, balances, high balances, date of last/first delinquency, last payment, and estimated removal date of this account along with some other inaccurate information ( I will attach a copy for your viewing of this letter ). Each time this account is under dispute I only receive this account was verified, but No documentation from the 3B 's was provide in reference to whom he/she spoke with or any paperwork he/she received from this company. Or even how this account was verified, In fact each time this was disputed the dates on my report would change which were inaccurate. ( I also will provide my credit reports showing this inaccurate information ). Even after the most recent dispute I sent, it was completed still did not receive anything via US Mail, I only receive notification through my credit monitoring app that remarks had been added to my report. The information still shows as inaccurate on my Credit Report, to this very day. XXXX  & TransUnion did not properly review this dispute, any other disputes I may have had with them would show up on XXXX.XXXX  or TransUnion.com and show the dispute status along with an estimated turn around date when the dispute would be complete. Neither one DID NOT even show up as in dispute stage on my XXXX  or TransUnion account online. XXXX  did notified me via email that my dispute was received and it was being processed. Yet still after a week the dispute was completed and information that was changed on my report and did not reflex what my previous report showed. Such as On Record until was changed, recent balance DATE was changed, and first reported was also changed on XXXX  by a 3 month timeframe. I have this right as a Consumer Under the Fair Credit Reporting Act ( FCRA ) to dispute this information, this also violates the provisions of the FCRA. This inaccurate information is also hurting my credit score, this account is also listed as a " Charge off ''. I have the items that are reported inaccurate highlighted on the attachments for your viewing. The disputes just keeps being updated, I have not received a dispute completed form for TransUnion since XXXX. So I have not received any from the disputes that have received. 

TransUnion has the following inaccurate info : HIGH BALANCE ( Amount & Dates ), DATE OF LAST PAYMENT XXXX  has the following inaccurate info : DELINQUENCY OF FIRST DATE ( this date keeps changing ), CHARGE OFF AMOUNT or anything Highlighted. 

XXXX has the following inaccurate info : ON RECORDUNTIL, FIRST REPORTED, DATE OF STATUS, WRITTEN OFF AMOUNT, or anything Highlighted. 

Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a last payment XX/XX/2021 and XXXX XXXX is reporting XXXX/XXXX/2021 therefore inaccurate information on credit report. Enclosed please find a copy in highlighting yellow. Driver license and rental agreement enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2018 I've been sending certified mails to ( Experian ) Credit reporting agency. 
To validate all unverifiable accounts on my credit profile. Unfortunately ( Experian ) time and time again ( Experian ) has chosen not to follow both state and federal law. The law is clear under the Fair Credit reporting. A credit reporting agency must validate all consumer accounts with physical detailed documents. Including consumer contracts and original signature. I have ask ( Experian ) to correct all misleading, inaccurate, incomplete accounts since XXXX of 2018 but they have repeatedly sent me erroneous, incomplete response. Claiming they have some how accurately verified all mentioned disputes. How they have not provided clear verifiable proof of how they have some how validated these accounts beased on the validation guidelines of the FCA, and CPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Product: Debt collection

account recovery specialist ' are violating FCRA & FDCPA. They have yet to send out proper verification, validation, and illegally obtained and bought medical bills breaking HIPPA laws. Instead of validation and verification, itemization sheets were sent with DRS names and service rendered were listed.
Product: Credit card or prepaid card

Someone used my identity to open an account with US Bank. The information on file with US Bank says that this account was opened and used by someone in XXXX. I have never been nor do I live in XXXX. After trying after trying to solve this problem I was told by XXXX and the credit card company will XXXX US Bank to file a report. My contact number is cell phone XXXX please feel free to contact me at anytime thank you
Product: Credit reporting or other personal consumer reports

Account Name : Kikoff Lending LLC Account Number : XXXX Kikoff Lending LLC 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.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX  credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX  XXXX then. Same account number and same alleged original XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ardmore finance havent updated the remarks to paid also sub loan is paid off it has a balance of {$720.00} and its paid off
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my reinvestigation request to all 3 credit bureaus on numerous occasions with proper identification required and have also requested that they block fraudulent inaccurate, erroneous, or misleading information in my credit files. I also provided my FTC report for the fraudulent accounts reporting on my credit profile and the only correspondence I receive is that I did not provide proper documents This is a stalling method that these bureaus continue to use in order not to process my request for a re-investigation. My rights are being violated at this point and I feel that they are i in compliance with the FCRA. This type of behavior needs to cease immediately and do what is right for the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Mortgage

penny Mac loan services where I have my mortgage place on my credit that I missed five payments -which is NOT TRUE! I WAS ALWAYS CURRENT - I had a hardship my wife had a back operation and I am XXXX living on XXXX XXXX filed for a Modification with them and they gave me XXXX which drop my payment from {$1100.00} to {$1000.00} which did help me a little. Then they placed placed this on my credit missing all them payments which is a LIE! I was always current just needed some help and still current on my payments, I talked to them and they refuse to take this off my credit, this is unjust - I was never told that this would happen if I was told I would have never had a modification in the first place. Please help -I 'm a XXXX XXXX going through a hardship this will help my credit if this was taken off -I believe it is a crime for what there doing to me - Thanks for helping - XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I did not receive a automatic payment from my employer. Capital one stated that it was a clinch and will be unsure when the problem can be resolved. While reviewing my capital one account I notice that the 360 saving yielding account I had sign up for was not matching the 4.35 % in my account. Capital, one has been cheating me out of my interest in my saving account and now withholding funds for all capital one users across America.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these XXXX, XXXX AND EXPERIAN on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to XXXX they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.
Product: Credit reporting

I have disputed the information with Experian regarding XXXX XXXX XXXX and the incorrect status of my account. Experian did not reply, but when I attempted to dispute it again, it said that I could not because it had already been verified. I sent letters directly to XXXX XXXX XXXX and they have not responded with complete documentation either.
Product: Student loan

My loan servicer is listing the incorrect number of PSFL qualifying payments on my loans. I began making qualifying payments in XX/XX/2013 and have had more than 60 qualifying payments. However, they list only 40 qualifying payments on most of my loans. They tell me that my qualifying payments are " under review, '' but this review has taken an unreasonable amount of time ( more than 5 months ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX still showing up on my credit report and they were supposed to be dismissed due to being a 100 % XXXX service connected veteran. One for {$11000.00}, one for {$2000.00}, another for {$5000.00} and one for {$5500.00}. They now show a {$0.00} balance however they are still reporting on my credit bureau and I need them removed asap. I am trying to get my credit scores straightened out so I can utilize my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CARDS CBNA XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX Transunion : XXXX, XX/XX/XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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