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

FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX  is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies ( equifax XXXX XXXX ) and XXXX has no date of first Delinquency at all. 

The Date of First Delinquency for equifax and transunion shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the XXXX report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the Equifax report for the same account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since XXXX ( XXXX ) was not provided the Date of First Delinquency for the account witXXXX XXXX XXXX within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX XXXX, which appears on my credit report. Upon reviewing the reports from XXXX and Experian, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues Inconsistent Reporting Across Credit Bureaus : The Date of Last Activity is reported as XX/XX/year> by XXXX and XX/XX/year> by Experian. These discrepancies violate the FCRA 's requirement for consistent reporting. 
The Account Status is described differently : " Collection account '' ( XXXX ) vs. " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' ( Experian ). 
Failure to Reflect Account Transfer Accurately : Experian lists the account as " Transferred to another lender, '' but this status is not reflected in XXXX 's reporting. This creates confusion and violates the FCRAs standard of accuracy and uniformity. 
Vague and Misleading Account Status : Both bureaus list the account status as " Indeterminate, '' which is vague and noncompliant with FCRA standards requiring clear and accurate reporting. 
Collection Account Reporting with {$0.00} Balance : The account is reported with a {$0.00} balance while simultaneously labeled as a " Collection account '' or " Seriously past due. '' These contradictory statements mislead creditors and reflect inaccuracies in reporting.

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, account status, and remarks, across both credit bureaus. 
Update the account to clearly reflect its final status, such as " Transferred, '' " Closed, '' or " Settled. '' Remove the " Collection account '' or " Seriously past due '' designation if the balance is {$0.00}, as this contradicts the accounts resolution.

If these corrections are not made within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action for damages caused by these reporting violations.
Product: Vehicle loan or lease

This company have been causing me grievances since XX/XX/2020 just by having a loan with them. In the beginning they failed to properly copy my name from my financial contracts into my account. Then later they stop reporting my timely payments to the credit bureaus. And now they are harassing me for loan payments when they have been educated from my insurance company that my vehicle is totaled from a flood. This company shouldn't be allowed to harass their customers using our credit report as a negotiation chip. They obviously are not obligated to realize I did financed my vehicle for income and I have gotten a replacement which means I have a new loan obligation. Which means why are they insinuating that I am a man that is not credible to make good on his payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had XXXX, experience, XXXX XXXX, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?
Product: Credit reporting or other personal consumer reports

I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Product: Debt collection

Portfolio Recovery Associates , LLC ( PRA ) failed to validate an alleged debt as required by the FDCPA and violated the FCRA.

Without proper validation of the alleged debt, despite twice requesting proof in writing, PRA posted a derogatory collection to my XXXX and XXXX credit reports. 

A copy of the return receipt for the second letter -- dated XXXX XXXX XXXX -- is attached ) to dispute the alleged debt. 

By reporting this alleged debt to XXXX and XXXX, without marking it as disputed, PRA engaged in false and misleading representations, a violation of 15 U.S.C. 1692e ( 8 ).

By reporting unvalidated and inaccurate information to XXXX and XXXX, XXXX violated its obligations under FCRA 15 U.S.C. 1681s-2 ( a ). PRA is required to provide accurate and complete information to credit reporting agencies.

This action has hurt me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a routine check of my Equifax credit report, I noticed that none of my current and open credit accounts were being reported. Subsequently, my Equifax credit score is significantly lower than my XXXX XXXX XXXX scores. On XX/XX/2022, I mailed a certified letter to Equifax, alerting them to the issue. The letter was accepted and signed on XX/XX/2022. After more than 30 days without a response, I called Equifax on XX/XX/2022. The customer service representative informed me that they had not received the letter. I am unable to apply for an auto loan because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened without my consent or knowledge and are a case of identity theft. 

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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$530.00} XXXX XXXX {$100.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX {$23000.00} XXXX  XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX {$2300.00}
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and it has been found unverifiable, invalidated, inaccurate, and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. In accordance with the Fair Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 161i ( 5 ) the credit bureaus violate not reporting 100 % accurate ; fraudulent accounts have been reported & needs to be removed XXXX XXXX XXXX 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: Student loan

After submitting multiple reports, phone calls, emails, etc. it is apparent that Discover will not compromise or help out my situation at all. I have tried everything in my power as a consumer to get them to negotiate my interest rates, apply for the hardship assistance program, only to have them tell me that I do not qualify and they will not budge. 

This is nothing short of Loan Sharking, and it will not stand. I am a human being and deserve to have consumer rights. If I do n't apply for hardship assistance, working/owning XXXX full time businesses, while not being able to afford groceries, rent, phone, or any other expense besides my student loans. I do not miss my payments. I pay between $ XXXX {$1200.00} with all my student loans combined ; Discover is charging me 8.875 % for a {$11000.00} loan and 7.125 % on a {$19000.00} loan. When I ask to apply for the Hardship Assistance program ; interest rates are reduced temporarily with a {$50.00} per month payment, they say that I do not qualify. 

I made less than {$20000.00} dollars last year. If I do n't apply, who does? Where is the justice system? How are they allowed to get away with Loan Sharking and such fraudulent behavior? If college is a debt sentence, the said debt should be reasonable and not astronomical. Taking advantage of the youth by having them sign papers they do n't understand because they need to pay for college is Loan Sharking. 

Shame on you Discover. It is not secret that all they care about is their bottom line, and the people are just numbers to improve that. It does n't matter if they ca n't afford groceries. At the very least, bare minimum, these companies should be held accountable and made to refinance these outrageous loans that are somehow legal. When we talk about justice, how is it just to have a multi-billion dollar company handcuff a citizen below the poverty line. If someone below the poverty line ca n't refinance their loans, I want to know who can? 

Enough is enough. If the companies themselves wo n't budge an inch, it 's time for our government to step in and protect the people for once.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account : XXXX XXXX XXXX Account no. XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I opened a checking account at BB & T in XXXX SC in XXXX. The terms of the account were no maintenance fees and I would receive paper bank statements. Within a short time ( about 4 months ) the bank changed the terms so that to avoid a maintenance fee I could not receive paper statements. So I continued with electronic statements only. In XXXX XXXX and XXXX XXXX the bank withdrew from my account a maintenance fee of {$12.00} per month. I called customer service and reported that I had an account that was not subject to a maintenance fee. The csr told me that the account I had was no longer available and so I changed to another account which did not have a fee as long as I had a personal mortgage account with the bank. I have XXXX personal mortgage accounts which originated in XXXX. The bank did not refund the {$12.00} for two months in XXXX. Then in XXXX XXXX the bank again charged a maintenance fee of {$10.00} per month. I called customer service and the csr refunded the fee. She said that the bank had decided not to waive the fee for mortgage holders effective sometime in XXXX and that I would receive written notice of that effect. The bank again deducted a maintenance fee of {$10.00} each month in XXXX XXXX and in XXXX XXXX. After each deduction I called customer service, and after spending about an hour each time the csr refunded the fee. In XXXX the csr that I talked with told me that the bank had a limit of {$35.00} that could be refunded in a year. After that conversation I received a voice mail from a bank csr stating that the bank had sent me a notice in XXXX XXXX that the mortgages would not longer be accepted as an exemption from a maintenance fee on my checking account after XXXX XXXX, XXXX. I have never received any notice from the bank indicating that the terms of my checking account had changed or that my checking account had been discontinued. The bank does not send notices to me in the mail. It posts notices online to my accounts, but never any changes to my checking account. I believe the bank is guilty of fraudulent practices designed to entice customers to open checking accounts there with terms that are quickly changed in order to extract maintenance fees. I have statements for my account ending in XXXX, but they contain the full account number so I am not attaching them.
Product: Debt collection

Today, XX/XX/2018 I, XXXX XXXX, opened a letter from XXXX XXXX XXXX. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to XXXX XXXX XXXX for that reference ID. I made a payment to SIMM Associates, LLC in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXXXXXX XXXX. At no time did I indicate that the payment be for the XXXXXXXX XXXX XXXX XXXX. I believe XXXX XXXX XXXX is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on XXXX XXXX XXXX. I did send the company an email requesting more information, but I believe this is an attempt to gain leverage by misapplying the payment an old account.
Product: Mortgage

Good Morning, I am currently a customer of Flag Star Bank. I was in the process of doing a closing with their partner mortgage company. Due to the pandemic I had call them to see what options were available for lowering for information purposes only. They share that I could do a Forbeance program or if I was looking to lower my interest rate I could refinance based on my payment history. At no point did I provide the authority for the company to file under the forbeance program. Lets fast forward to the day prior to closing my agent calls me and advised me that we can not close because there is a note on my account that advises I am on a forbeance program. I called Flag Star Bank and ask them for a letter that states that I did not apply for that because it was interfering with my closing that I had to reschedule until the issue was resolved. I spent on the phone hours asking to speak to a supervisor to get the issue resolved only to be told that they couldnt send a letter and I was gon na have to wait until the letter their legal department was drafting was ready. As it turns out the letter that I received states that I opted out of the program and that isnt sufficient and have to start the refinance program once again. I am truly disappointed at this company and beyond stressed due to the multiple individuals that I spoke with to try to get this issue resolved. I am currently in the process to refinance again due to their issue on their end. In addition, instead of trying to assist me with the issue some of the agents I spoke with had an attitude. To make matters worst they made it seem like I was the crazy one that applied for this and is asking for an impossible demand. 

I have attached a report from XXXX which confirms that it was an error on their end. Until today I am waiting for an apology. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All Im asking is for this note to be removed from my credit and any history as it was erroneous.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a 20 year old credit card debt of {$750.00} and they threaten to garnish one of my son 's account which I am only on as a cosigner but I do not use that account that is my son 's account. And they garnished {$1600.00} out of his account after they asked me for his bank statements and pay stubs to show that I didn't use that account but now I didn't show for a XXXX meeting and they said that it is their money now. I thought the statue of limitations was 6 years but apparently it's 20 plus. The debt collector is XXXXXXXX XXXX XXXXXXXX in XXXX Minnesota
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report involving accounts that do not belong to me and for which I have no knowledge, relationship, or prior authorization. The accounts in question are reported by XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX XXXX ( Account Number : XXXX ). 

These accounts appear to have been placed on my credit report without my explicit written consent, which violates the permissible purpose requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. I have never engaged in any transaction or relationship with either XXXX XXXX XXXX or XXXX XXXX XXXX that would justify these accounts being reported. 

In addition, I have never provided written authorization for these entities to access or report information on my credit report. I believe this is a clear violation of my rights under the FCRA. I have attempted to address these inaccuracies by disputing them with the credit reporting agencies, but the accounts remain on my credit report despite their lack of verification or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts showing on my credit report that I did not open, I am a victim of identity theft
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. 

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.