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

Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate and unauthorized information on my consumer report generated on XX/XX/2023. These inaccuracies a

re causing significant harm to my credit score, and I request that you take immediate action to correct them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by disputing the following highlighted portions of the report : [ All highlighted Hard Inquiries ]. I believe that these items are inaccurate because I never applied for credit from the highlighted Creditors yet they chose to report inaccurate information on my consumer report and when contacted to dispute I was met with no response which is out of my control. It is my hope TransUnion can investigate these fraudulent Inquiries and remove them as they are unauthorized and in violation of the Fair Credit Reporting Act. 
If you require any further information to process my request, please do not hesitate to contact me. 
Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute. 
Respectfully submitted XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution
Product: Credit reporting or other personal consumer reports

You breached U.S. Code Section 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by providing reports together with credit or insurance transactions that the consumer did not conduct.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) No consumer reporting agency is allowed to create a consumer report that includes any of the following information, with the exception of records of criminal convictions that prior to the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency. Additionally, they don't even adhere to Metro 2 credit reporting regulations. I have proof to support my claims!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my mortgage was officially released and the release document was recorded with the county real estate office. This mortgage is still showing as active on my credit. in XXXX of XXXX  the new owner of the property did not make their mortgage payment and that was reported on my credit. Flagstar bank has refused to talk to me about this and will not do anything to fix the issue. because of this my credit score has dropped drastically and I am unable to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bay Area Credit Service XXXX XXXX XXXX XXXX ) XX/XX/XXXX1. ) XX/XX/2016 {$1300.00}XX/XX/XXXX 1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XX/XX/XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Product: Checking or savings account

My check was stolen and improperly accepted for deposit by Bank of America. The check was made out to XXXXXXXX XXXX. Bank of America accepted the check even though it was signed by XXXX XXXX. My bank, XXXX, has been trying to obtain my funds since XXXX but Bank of America will not respond. I tried contacting Bank of America but it will not respond to me. My rent has been outstanding for almost five months now and no one can tell me when I will get my funds because Bank of America will not respond. Bank of America needs to respond.
Product: Money transfer, virtual currency, or money service

I had opened a personal account with PayPal using my email address ( XXXX ) and they closed my account without giving a reason. I had called in and was told that their decision is final and irreversible. 

They have unfairly denied me this basic money transfer service with no legitimate reason known to me.
Product: Debt collection

inXX/XX/XXXX2017 i paid in full a credit card debt that was in collection. i was sent a paid in full document dated XX/XX/2017. on XX/XX/XXXX2017 the company XXXX funding placed my paid in full account into a derogatory status as though i had never paid it. this dropped my credit rating by XXXX points and is against federal law related to paying collections in full. i was told my credit report would be updated within 10 days to a positive because i paid in full. instead they updated it negatively
Product: Credit card or prepaid card

In XXXX of XXXX I purchased 8 tickets at XXXX per ticket to see the Broadway show XXXX XXXX XXXX in XXXX Virginia. The show was scheduled for XX/XX/XXXX. In XXXX of XXXX the show was cancelled due to COVID19. We contacted Ticket Office and asked for a refund. However, they refused the request and offered a credit of 120 % the value of the original tickets. I reached out to my credit card company, Discover. I explained the issue. They temporarily credited the card back for the purchase. Then the card was charged again, after they sided with the merchant. This began the fight. I have provided them with numerous emails proving we requested the refund. The show was cancelled and not rescheduled. I have XXXX and was told not to travel during The pandemic. In XXXX of this year I came down with a severe XXXX in XXXX and spent 5 days in the hospital. I am currently on oxygen. I explained that I could not fly, nor could I use a credit of XXXX in live event tickets. If the original show was canceled and not reschedule, then I should be allowed to request a refund for those tickets. After 16 months of fighting and having to pay the interest, I decided to pay the balance and close the account. I have had the account for 20 years, never missed a payment, and my Credit score is an XXXX. I lost my husband and am living on a fixed income. This has caused a hardship and the credit card company will not assist in resolving the issue. This is the case number for this dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Debt collection

In XX/XX/2020 I received a telephone call from a company claiming they were collecting a debt I owed on behalf of XXXX XXXX. I told the caller I believed the information was incorrect and would contact XXXX myself. Caller tried to stop me by stating that wouldn't work, etc ; I basically cut them off and said I will contact XXXX and hung up the call. 

I have accounts with XXXX and have funds available in both accounts so this information seemed wrong. I called XXXX and reported the call to the XXXX representative. XXXX confirmed that I owed them no debt ; they checked my active accounts and did a general search using just my name. XXXX told me they are not involved in this collection attempt. 

Now in XXXX I have received a written request to settle this same false debt from a company called American Cordius International LLC. I have a copy of this written request from this company and will upload this below. 

I am reporting this false debt collection attempt to you and am simultaneously sending a registered letter to this company informing them that this debt is false and they are not to contact me again.
Product: Credit reporting or other personal consumer reports

A hard inquiry by SYNCB/TJX CO appears on consumer reports. No disclosures were given regarding this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
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 Name : XXXX XXXX XXXX  XXXX Account NumberXXXX 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

On XX/XX/XXXX we made our monthly payment by bank e-check to Mr. Cooper. 
XX/XX/XXXX - Looks like they haven't cashed my check that should have arrived XX/XX/XXXX. 
Called and spoke to " XXXX '' who said that they are now asking people to send in checks and maybe they just haven't gotten to mine yet. Made a note not to charge me a fee. 
XX/XX/XXXX - XXXX -They weren't able to take electronic bill pay this month so they will not be charging me a fee for late payment. 
XX/XX/XXXX - Followed up with a text message on their site re : XXXX Mortgage XX/XX/XXXX - Called again about mortgage and they said I should cancel with my bank and send another check. Sent check for {$3800.00}. 
XX/XX/XXXX - Talked to XXXX who said that they back dated the XX/XX/XXXX payment to apply to the XXXX payment that was MIA. I got an email saying that XXXX  thought I was delinquent. XXXX says that I am not. I am insisting that they contact XXXX  and the other credit companies to clarify. Submitted a request to the Research Team to look into any thing submitted to XXXX, will make sure that anything is redacted if necessary. 7-10 Business Days. Might take a month to see the change on the credit report. Anyone in the call center can view the case and see the status. 
Talked to XXXX XXXX and got her number and email. Emailed her XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and left message XX/XX/XXXX. 
XX/XX/XXXX Credit data still indicates that we are delinquent on payment, reducing our credit rating by 170 points. XXXX, says XXXX nor XXXX filed a case. Says that no one talks to customers in the research department, but I can email XXXX. She is now filing a case. Will get a email notice from their research department 24-48 hours from now. 
Sent an email to file a complaint- XXXX as well as to the Research Department XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a written sign contract with my signature on it they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

Looking over my credit report and found various violations that have been keeping me the consumer from getting credit. I have disputed these issues several times and have came to the point that there has to be a resolution to these violations that you the credit reporting agencies are reporting unlawfully. According to the fair credit reporting act 15 USC, 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness in impartiality, and a respect for me the consumers right to privacy. I have the right to make sure my private information is in shared which is backed by 15 USC 6801 that states it is the policy of all Congress that each financial institution has an affirmative and continuing obligation, to respect the privacy of his customers, and to protect the security and confidentiality of those customers nonpublic personal information. These are all financial institutions by under the title 15 USC 1681 section 604, section 2 states that in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer, to whom it relates, the financial institution and the consumer reporting agencies. Equifax does not have my consent to furnish this information, and they surely do not have my written consent. In all consent to Equifax and any furniture, whether it be verbal nonverbal, written implied or otherwise revoked. 15 USC 6802 ( b ) ( C ) states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681C ( A ) ( 5 ) states acceptance authorize under subsection B no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse items of information, other than records, of conviction of crimes, which antedates the report by more than seven years. These accounts are adverse items. They are reporting again without my permission, which is against the law 15 USC code 1681S-2 ( a ) ( 1 ) a states, 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 in accurate. 15 USC code 1681E states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title, and to limit the furnishing of the consumer reports to the purpose listed under section 1681B of this title. Equifax is not maintaining reports to the purpose listed under section 1681B of this title Equifax is not maintaining reasonable procedure And it states that a consumer may exercise the right to opt out at any time. I have a attached a copy of the violations. Please remove these accounts from my report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :
Product: Debt collection

We defaulted on a credit card we setup daily payments to resolve with the debt collection company as well as paying lump sum of XXXX $ to catch up they have a levy against our account with XXXX where by they received our payments done XX/XX/XXXX they never contacted me again until last year XX/XX/XXXX now they want another XXXX $ this should have been resolved long ago they even stopped the daily draws in XX/XX/XXXX look like they try to get more money now when we have already paid back the full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. They never got my written consent to furnish my information.