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

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX has violated my rights. 

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

15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have reported unauthorized collections and hard inquiries on my credit reports.I havent giving them access to my credit profile to give to third parties with my private and personal information without my hand written consent under the permissible purpose by law stating that its okay to report on my credit reports they are reporting illegally inaccurate false information about me these three companies above is violating my consumer rights to privacy persuant to 15 usc 1681b. I want all negative items from my credit report removed.
Product: Credit reporting or other personal consumer reports

These companies are in violation of Tittle 15 USC 1681 ( a ) of any transaction between the creditor and me are required to be excluded from your credit report. Also violation of 15 USC 1681 ( b ) which is the Permissible Purposes for what is reported on a Consumer Report which is fraud.
Product: Credit reporting or other personal consumer reports

This names and addresses and phone numbers are not mine, nor have i been associated with any and it is affecting my XXXX XXXX and my outlook
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute.
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Product: Checking or savings account

I was with chime bank. I have received a ppp loan! I am not a scammer. I actually had proof of all independent contract agreements. I also have proof of identity. I also showed proof that the lending company was sending money to me. They say they will mail me a check. But I have also been reading that they dont send funds. I even have a independent contract showing that they are going to be the bank that Im depositing funds to.
Product: Debt collection

I discovered a collections account when I pulled my credit report. After digging around it was determined this account was a XXXX account. The address they show that opened the account was in XXXX. I have lived in Washington State since XX/XX/1990. 
I have disputed the debt several times. I have never received any bills on this account. The address on file was determined to be fraud and was removed immediately, but the collections still remains on my credit report. 

After doing some additional investigation it appears this company does this quite often to other unsuspecting consumers. 

Focus Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX
Product: Prepaid card

I use to live in XXXX  and I had a bank on America prepaid card to receive my edd benefits. They recently sent me XXXX checks but it's definitely not enough. I just did a bank of america request online to request more compensation. During the time I had the prepaid card..my card was always locked and I had minimal access to my funds. I'm a single mom and that was devastating. My account was also compromised so I did some disputes and they were denied at the time. I believe they are still some benefits ( cash ) I haven't recieved ....
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to inaccurate credit reporting by Equifax related to my XXXX XXXXXXXX XXXX account, despite several attempts to resolve this matter through previous disputes. Heres an outline of the key issues : Account Details and Timeline : This account was closed as of [ last known account status date ] and was reported with a {$0.00} balance on XX/XX/XXXX. Despite the account 's closure and my consistent on-time payments, Equifax reported a late payment for XX/XX/XXXX. 
Dispute History : I initiated disputes with XXXX and XXXX, both of which investigated and corrected the inaccurate reporting, removing the erroneous late payment. However, Equifax has not yet made these corrections despite being informed of this issue multiple times over the past year. 
Impact on Credit Report : Due to this discrepancy, my Equifax credit report inaccurately reflects a late payment. This inconsistency is negatively impacting my credit score and affecting my ability to secure favorable financial terms. 
Violation of FCRA Standards : Under the Fair Credit Reporting Act, Equifax is obligated to maintain accurate and timely reporting. I believe this prolonged inaccuracy and failure to correct the information after sufficient notice is a violation of 15 U.S.C. 1681i ( a ) on XXXX part. 
Desired Resolution I am requesting that the CFPB direct Equifax to conduct a full re-investigation of this account, ensure the removal of the erroneous late payment, and confirm the updated status of my credit report in writing. Additionally, I would appreciate XXXX explanation for the delays and errors in their reporting. 

Thank you for assisting with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory medical collection that has been placed on my Equifax and XXXX consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.
Product: Checking or savings account

In XXXX of XXXX  I opened an account with 53 bank I had a valid Dr license when it was opened an they opened the account online an I made a mobile deposit.my deposit was my close out check from XXXX  XXXX. After I deposited my check an they opened my account they said I need to come to the office an verify my identity. But then my license was expired so I took my id my membership card ss card mail for address confirmation and my credit card. They then said I need a valid ID which is no problem but I need my money cause I have to have my birth certificate an divorce papers to get my id so I couldn't verify my identity even though my Dr lic was valid when I opened my account so now there refusing me my money. What do I do
Product: Debt collection

Collection Agency " Credit Systems International '' ( https : //www.creditsystemsintl.com/ ) called my cell phone ( week of  XX/XX/XXXX ) trying to collect a medical debt, without any prior written notification. Collector would only state the amount owed. Collector had no knowledge of the date of service, service performed, my patient account number, and had an incorrect address stated for my home address. Collector told me that they had just received the referral and they were attempting to collect a debt under my name. In turn they stated it was my responsibility to contact " XXXX XXXX XXXX '' in XXXX, TX that was where their referral come from. The collector did not have " XXXX XXXX XXXX  '' address, phone number, or a contact person. The collector just said, " you can XXXX '' and get that information since you did not pay your bill. 

" Credit Systems International '' only had my name and the amount owed, but absolutely no other information. But I was fortunate enough to be assigned an collection account number : XXXX. 

After multiple attempts, I located " XXXX XXXX XXXX '' supposedly an outsource for XXXX Hospital in XXXX, TX. The charges were from a XX/XX/XXXX hospital stay, that I have never received a billing notice for, because of an incorrect address. " XXXX XXXX XXXX '' were billing on behalf of Dr. XXXX of XXXX Hospital, XXXX, TX. The billing clerk admitted that they had an incorrect address, but had a correct phone number ; she stated they never tried to contact me direct and sent the bill to a collection agency ; " Credit Systems International ''. 

In turn since I was never billed correctly, and the calendar year has changed to XX/XX/XXXX ; I am unable to access funds from my health saving account to pay for a medical billing from XX/XX/XXXX. 

I have made arraignments to pay XXXX direct. But the collection agent has a partial profile/file on my billing and is still trying to collect this debt without proper knowledge of the billing situation.
Product: Credit reporting or other personal consumer reports

the information related to late payment dates and payment history are not accurate on several of the credit reporting bureaus. XXXX is showing on time payment for XXXX and XX/XX/year> while Equifax is showing missed payments for those months. All my payments were made on time. As a result, I am demanding for my account to show/ be updated to " Pay On time ''. 

According to the Fair Credit Reporting Act, all information should be accurate and factual. 

My right was violated due to their negligence.
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 : # XXXX, XXXX : # XXXX****, XXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. 


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 card

About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year.
Product: Checking or savings account

XX/XX/2020 To Whom It May Concern I filed a dispute with XXXX XXXX requesting a full refund due to the pandemic COVID-19 Prior to having the procedure done you must have a 30-day clearance, no doctor at that time would see anyone. My XXXX date was XX/XX/2020 Hospitals cancel XXXX XXXX per federal guidance Also, the country was on locked down I request a refund XXXX the XXXX 2020 I was told that someone will contact me. A week later I received an email stating that I would not receive the full refund and that they were keeping my deposit. XXXX {$800.00} ) I advise the representative that I never paid a deposit I paid the balance {$7500.00}. 
I requested that my bank Navy Federal dispute the charge, my bank sends me an email on the XXXX of XX/XX/2020 that XXXX advise them that they refund the full {$7500.00} which is not correct. Which lets me know that my bank fail to do an true investigation on claim when you can see a deposit on XX/XX/2020 for {$6700.00} not {$7500.00}. 
I am requesting the difference of my {$800.00} to be return to my Navy Federal Credit Union account and that some one re- investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate addresses reported never lived here 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 Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to XXXX, XXXX, and Equifax regarding the ongoing issue of inaccurate information on my credit file. I have previously corresponded with your agency through a letter, in which I disputed the accuracy of certain accounts listed on my credit report. To my disappointment, the response I received from your agency did not adequately address my concerns or provide the necessary evidence to support the accuracy of the disputed accounts. 

As a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ) ], Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq and 15 U.S.C. 1681 et seq. These laws grant me the right to ensure that the information reported on my credit file is accurate and up-to-date. Unfortunately, your agency has failed to meet its obligation of accurate reporting in this matter. 

In your response, you stated that the disputed accounts were accurate. However, no supporting documentation was provided to substantiate your claim or establish the legitimacy of these accounts. I insist that, within 30 days of receiving this letter, your agency fulfills its legal obligations by providing me with the following information and documentation : 1 ) Contracts or agreements bearing my signature pertaining to the disputed accounts.

2 ) A chain of ownership demonstrating the transfer of these accounts to the current creditor.

3 ) Proof of your agency 's compliance with reporting standards and regulations regarding the disputed accounts.

4 ) The date of last activity associated with each of the disputed accounts.

Additionally, I request that your agency provides me with all supporting documents that link me to the accounts in question. This includes but is not limited to account statements, transaction records, and any other relevant information that substantiates the accuracy of the reported information.

I trust that, as a responsible credit reporting agency, you will promptly investigate this matter and take the necessary steps to rectify the inaccuracies on my credit file. Failure to comply with the aforementioned requests within the specified timeframe may result in further legal action to ensure my rights as a consumer are protected.

I appreciate your attention to this matter and look forward to receiving a comprehensive response within the stipulated timeframe. Please direct all correspondence related to this issue to the address listed above.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX Account Name and Account number XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Not mine XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Not mine XXXX ) XXXX XXXX XXXX *** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX  XXXX XXXX 2000 XXXX Not mine XXXX ) XXXX  XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX Bank XXXX XXXX **** Not mine XXXX ) XXXX XXXX XXXX XXXX Not mine
Product: Mortgage

I have reached out to my mortgage company, Shellpoint Mortgage several times since the beginning of XXXX to inquire about the loan I have with them on a house that I own. 

XX/XX/XXXX : Requested through the secured message option on their website requesting all signed documentation received on the mortgage since XX/XX/XXXX. 

XX/XX/XXXX : Requested information of all contract information received by Shellpoint mortgage for my loan via email address provided by the loan specialist handling my loan. 

XX/XX/XXXX : Requested copy of signed loan modification documents Shellpoint mortgage received within the last 60 days on my loan. This request was sent to the email address provided by my loan specialist as well as the secured message option via Shellpoint mortgage website. 

I have only received loan documents that I signed back in XXXX. I have been advised loan modification documents were received on my loan in XX/XX/XXXX. Since I didnt sign the loan documents, I need a copy of it.
Product: Credit reporting or other personal consumer reports

company as well as the credit bureaus were sent dispute letters showing the inaccurate errors on my report which violates my consumer rights, their never was a proper validation sent to me, i requested the company to provide proof of owner ship which inludes my id, signature, full social and agreement which was never sent to me. i plan to sue the credit bureau for up to {$1000.00} per violation if this isnt corrected per my fcra right
Product: Debt collection

I have been trying to dispute this charge for awhile, first off I move out of the apartment a week after I signed the lease with the permission of the leasing agent because after moving in the ceiling in my sons room fell in it was a hole in the ceiling. It was agreed I could move out they kept all the fees, but it has still shown up on credit report, I attempted calling to dispute over the phone to no avail, i disputed on XXXX XXXX as well, i never received written notification of account going to collections, i don't know where the paperwork was mailed.
Product: Mortgage

I called LoanCare ( XXXX ) XXXX and spoke with XXXX in the Loss Litigation department on XX/XX/2021 and requested again to be processed for a Streamline Payment Deferral Plan. 

XXXX confirmed I qualify for this program. 

My account is current and active but she could not process my request based on the advice of her supervisor XXXX. 

I was transferred to the Loss Litigation Escalation department and spoke Supervisor XXXX in the XXXX office. 

He also confirmed that I qualify for a Streamline Payment Deferral Plan but because I owe more than 18 months my request was being denied. 

I advised XXXX I respectfully disagree with the denial because I have been requesting a payment deferral for months and their delay in a proper process has added avoidable debt/months to my account. 

Had they processed my deferral like they promised me back on XX/XX/2021 I would not owe more than 18 months. 

I advised XXXX I have been requesting a payment deferral verbally and in writing for months. On XX/XX/2021 I spoke with XXXX XXXX employee number XXXX and she too qualified me for a payment deferral and she calculated {$40000.00} that was going to be deferred. She even sent me an email with a quick note of the dollar amount I was going to be short in taxes for 2022 year in the amount of {$580.00}. ( see attachment 1 ) Ultimately, XXXX did agreed with me that I should be provided a deferral plan but still he did not complete my request to close the modification and place a payment deferral request. He instead promised to send an Escalation review request email as Urgent and promised a response back via phone by a supervisor from his department no later than next Tuesday. 

I complain that Loancare failed to send my deferral documents as promised to me over the phone on XX/XX/2021 thus pushing me more in debt. 

I complain Loancare has failed to streamline my request today for a payment deferral even after I brought to light their continued bogus denial and instead is choosing to intentionally delay my request by promising me a call back no later then next Tuesday.
Product: Checking or savings account

Between XXXX to XX/XX/2022, I was scammed purchasing clothes from an individual who claimed my package was flagged for 'XXXX XXXX ' by the police and coerced me into sending him continued payments. Attached are conversation logs with the individual as well as the fabricated police report sent to coerce me into payment. I contacted Discover Bank with the same evidence presented below and was not only met with no response from their dispute center for about a week ; but when I had contacted them they said they could not do anything about the dispute and subsequently sent letters claiming that they had contacted the seller and received no response, to which they have justified the transactions. I have further attached a log of the dates and transactions that had been posted to my Discover checkings account. I am appalled that with this level of evidence Discover has shut me out and claimed that I am in the wrong in this situation. I have also contacted XXXX, who not only refused to take my case but did the same for another dispute regarding the scam of {$95.00}.
Product: Credit reporting or other personal consumer reports

I have experienced identity theft and my rights are being violated by the credit bureaus under U.S. law. The inquiries listed below were not authorized by me and are negatively impacting my credit accuracy, which goes against specific regulations. 


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

Sent a affidavit of truth XX/XX/XXXX cease and desist 30 days pass never any communication with this bank account over {$62.00} that was fraudulent Identification on XXXX XXXX. Police reported XX/XX/XXXX XXXX XXXX is not responsible for such debt. Stated statue of limitations was violated per 15 USC 1692 ( a ) ( e ). according to 15 USC 1592,18 USC 8. Unfair Debt Practices phone was hung up twice once teller began to get upset with this matter asked to be transfer was given very unfair treatment. My contact information is accurate and in compliance as of this statement.