23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.SEE ATTACHED.
Product: Debt collection

I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to correct inaccurate information on my credit report despite multiple attempts to resolve the issue since XX/XX/XXXX. 

Details of the Issue : Credit Bureau : Equifax Confirmation # : XXXX Account Name : XXXX XXXX Account Number : [ Account Number as listed on the report ] On my Equifax credit report dated XX/XX/XXXX, there is an incorrect entry showing a XXXX late payment ( status code " XXXX '' ) as of XX/XX/XXXX. However, the last activity on this account was in XX/XX/XXXX, and the account has been paid in full with a {$0.00} balance since then. 

Attempts to Resolve : Since XX/XX/XXXX, I have contacted Equifax multiple times to dispute this inaccurate information. I have provided them with documentation from XXXX XXXX  confirming that the account was settled and paid in full as of XX/XX/XXXX. Despite these efforts, Equifax has failed to correct the error, causing ongoing damage to my credit score and financial standing. 

Impact : The erroneous late payment entry from XX/XX/XXXX has negatively impacted my credit score and has caused significant stress and inconvenience. I have been diligent in trying to rectify this mistake, but Equifax 's failure to act has left me with no choice but to seek further assistance. 

Requested Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Equifax corrects my credit report. Specifically, I request that the erroneous late payment entry for XX/XX/XXXX be removed, and the account status be accurately reported as paid in full as of XX/XX/XXXX. You have to see the months of reporting is when I did not own the home. 

I appreciate your assistance in resolving this matter promptly. Please do not hesitate to contact me at the above address or phone number if further information is required.
Product: Debt collection

This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. 

Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both XXXX and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX  XXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I was vacationing in the XXXX XXXX from XXXX and on my way back home I lost my phone. Whomever found my phone hacked into all my bank accounts and social media. They changed my social media passwords, email addresses and sent money to people from my accounts. They also started running a scam from my social media page saying you could get a hefty return from a small investment. My friends and family called my fiancee asking what was going on my social media. When I was made aware of everything I called all my financial institutions and advised to block all of my accounts and credit cards. When I spoke to chase I advised that the XXXX payments and the XXXX XXXX was not made by me. I went in to the Chase Branch in XXXX and spoke to a rep. who helped me close my existing account and open a new one. They temporary refunded the credit, however 2 days ago they reversed it. They said according to their records facial recognition was utilized and they do not believe me. I supplied proof of my vacation, emails I sent to instagram about the hack and screenshots I obtained from my family and friends showing the person was conducting a scam using my personal information. When I finally regained access to my icloud email account.. I supplied them with an email that said my account was logged into from XXXX However, I was not in XXXX on XX/XX/21, but I was not, that was the same day I come back home from XXXX XXXX. I also advised my XXXX transaction are consistent ... I always send it to people in my contact list and I have never had an issue like this. What is the point of using a financial institution if I am not protected in any way. Nowadays, nothing is unhackable or fraud proof and they refuse to help me or look into it. In addition, when I filed the claim the fraud representative advised this should be relatively easy because the person who it was XXXX to also had Chase. Chase has not looked into the claims any further nor done anything to suspend the other person 's account considering they are committing fraud from their banking platform. I have have always banked with Chase ... first through my personal accounts and then with my business. I do not know how they are not doing anything about this.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/year>, a friend sent me {$150.00} via PayPal, but the funds were placed on hold for several weeks. Later, I received an email notification stating that the funds were now available. However, when I attempted to log in to withdraw the money, I found that my account had been permanently locked. 

This is a business account, and I am unable to access the funds, which has been quite frustrating. I would greatly appreciate any assistance or guidance on resolving this issue and retrieving my money. 

Thank you for your time and support. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again for the third time submitting these violations inaccurate information on my credit report to transunion demanding transunion to remove account name : XXXX XXXX XXXX XXXX XXXX  from my credit report transunion has allow account to violated several of my FCRA rights, I submitted documentation of this account pay and full as agreed by collector on letter head that has identified there self collecting a debt for XXXX XXXX XXXX XXXX XXXX the documention show and identify who was paid as agreed the original debtor and this debt has been resolved by both parties including XXXX XXXX  which has collected the debt. Reading the fine print of this documentation clearly states this debt is resolve and is pay and full as agreed. 
This information also provided states Im know longer connected to any debt with this account and this account is pay and full as agreed by collector on letter head who has shown who they are collecting the debt for. which is XXXX XXXX Either remove this account and remarks or update this account as pay in full as agreed under my protected rights, if this account do not be removed or update to a pay in full account with no remarks as agreed, this account will be in violation of 15 U.S.C. 1692e for misleading me as the consumer knowing the debt has been paid as agreed Knowing the collector sort a debt out stating they collecting a debt on the behalf of XXXX XXXX which result in several violations on transunion as well, this account is also past the 30 day expiration for investigation again. which transunion must remove this account - or update a pay and full account with no negative marks, no charge off remarks on my credit report link to this account, as instructed also as show on documentation its paid. 


15 U.S.C 1692j section ( a ) 15 U.S.C 1692f under 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft, and I believe an account was fraudulently opened in my name with OneMain Financial Creditspecifically, a XXXX  cardwithout my knowledge or consent. Unfortunately, I do not have access to the account number as this account was opened fraudulently. I am requesting your immediate assistance in resolving this matter. 

Here are the key details related to this issue : Actions Taken So Far : I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and filed a police report with my local law enforcement. Copies of these documents are attached for your reference. 

I have contacted the credit bureaus and placed a fraud alert on my credit report to prevent further unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX of 2020 I submitted a dispute via phone with Experian. They investigated and some items were corrected others were not. I just reviewed my report and there are still some incorrect information. Tried to dispute via online. Experian notified me they would only investigate XXXX items. Basically the items I disputed in XXXX they would not reinvestigate. They are reporting incorrect information on items that have been sold to debt collectors and accounts that are supposedly close.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX Via Dealer on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.
Product: Money transfers

Thought I was talking to my cousin and he was telling me about getting grant So I did it and they needed some funds for shipping and clearance
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. 

Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 59 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes- reinvestigation in progress Times XX/XX/XXXX days late XX/XX/XXXX Closed No Info CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices witch violate the consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and despeive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting 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 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

I have contacted Transunion to discuss these unauthorized hard inquires, listed below. 

XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX OF XXXX - Inquiry date : XX/XX/2021 XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX - Inquiry date : XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX XXXX XXXX - Inquiry date : XX/XX/2021 XXXX - XXXX date : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and to my surprise I seen that I am a victim of identity theft I see numerous fraudulent accounts on my credit report.Remove them promptly these accounts are hurting my ability to get credit. 

XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

Sometime back in XXXX, Marcus by Goldman Sachs stopped sending me paper statements. Because of this I missed a payment. Marcus suspended my card. I immediately paid off the card and closed the account because I felt like that was a terrible way to do business. I never received another paper statement and I had a positive balance of {$.00} on the account when it closed. Several months later, I noticed that my credit score had dropped by XXXX points because Marcus reported my account as delinquent. Turns out they had charged me some sort of bogus interest fee after the account was closed. I had no idea it was even there. This has started a cycle of " missed '' payments, late fees, and interest charges. I have been trying to work with Marcus to get this resolved. I was advised by XXXX of the Managers to make a payment for the balance to stop all of the interest. I was told it would be refunded when the dispute was settled. I finally received a check for that payment back, and then this month, they charged me a late fee on the money that they just sent me a check for. I have called and tried to get to someone who can reverse everything and am getting nowhere. I need them to get my credit fixed ASAP.