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

am writing to bring to your attention a matter of grave concern regarding my credit report. Upon careful examination, I have discovered unauthorized inquiries listed on my report, indicating potential identity theft. 

As a responsible individual, I regularly monitor my credit activity to ensure its accuracy and integrity. However, the presence of these unauthorized inquiries has raised significant alarm and distress for me. It is evident that my personal information may have been compromised, leading to these fraudulent inquiries. 
I take this matter very seriously and am deeply troubled by the implications it may have on my financial well-being. Identity theft is a severe violation of privacy and trust, and I am committed to taking all necessary steps to rectify this situation and protect my personal information from further misuse.
Product: Checking or savings account

When I opened my business checking account I told the banker to have my account set where if I didn't have the funds in my bank account to return the transaction because I didn't want to have any overdraft fees. Come to find out this was not set up on my account and I used the card and I was under the impression since it was a business account I would let the charges approve. Months later I seen the charges and requested that it be reversed. I was given a run around, went to the bank they told me I had to go to the branch I opened the account. I called in as well. When I did make it to the branch I was told it was too late I had to come in sooner. I explained my situation to the banker telling them I was out of town my mom had been XXXX  for months and I was taking car of her. I feel I was treated unfairly and they basically took my money and tried closing my account. Also my personal account was hacked a girl tried to deposit a check in my checking account I filed a police report and mailed it in to the branch manager and he hasn't returned my calls I did return the call once but hasn't responded since I sent in the information that was requested. I am very unhappy how I have been treated I filed several charges I wanted reversed that weren't mine. The credited my account then reversed the charges I don't feel like they have the customers best interest for my personal or business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.
Product: Credit card or prepaid card

Flagship credit, I am a cosigner on a XXXX loan with this company. I have been getting serval calls about this car loan being late and then being sold into a collection agency. When I reach out to the organization, the payment is caught up and they are unsure of what I'm speaking about. The individuals from the third-party call agency can not give me a number or address or email to a division or individual that can help me. These items are affecting my credit score and my well being. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Also, in 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction, Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Dept of ED/ AIDVANTAGE ( or formally XXXX ) Account # XXXX ( All 12 accounts ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

To Whom It XXXX Concern, I am writing to formally request the Consumer Financial Protection Bureaus assistance in resolving a dispute regarding the reporting of a bankruptcy on my credit file. I previously contacted the credit bureaus Equifax, to dispute the inaccurate information, but they have failed to respond within the legally required timeframe. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the credit bureaus are required to conduct a reasonable investigation and respond within 30 days of receiving a dispute. Their failure to do so constitutes a violation of my rights as a consumer. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I have the right to dispute any inaccurate or unverifiable information. 

Furthermore, if the bankruptcy information was obtained from a third-party source rather than the original court records, it may constitute a violation of the FCRAs accuracy requirements. The law mandates that only accurate, complete, and verifiable information be reported on consumer credit files. If the credit bureaus can not provide evidence that the bankruptcy is being reported accurately, they must remove it from my report. 

Given that I have not received a response from the credit bureaus, I request that the CFPB intervene and require them to comply with federal law by either providing verification or deleting the bankruptcy from my report. 

Enclosed, please find copies of my previous dispute letters and any supporting documents for your reference. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

A couple of days ago I filed a request for " Consumer Privacy Report '' / " personal data management request '' so that i could view and download what data they have collected on me.

Today they emailed me that the request was completed and provided a link to allow me to download - however any attempt to do so or even to sign in on their website results in an error page claiming " We were unable to authenticate your identity. '' I believe this false error is simply a tactic to keep consumers from having access. Searching online shows this problem is prevalent for some years now. I even tried using a different web browser.
Product: Payday loan, title loan, personal loan, or advance loan

They are defrauding consumers by not allowing the consumer to remove the additional payment methods once they have been added. Then they collect additional payments that should be principal only and applying the payments to the interest first which increases the amount of interest they consumer will pay over the life of the loan.
Product: Debt collection

On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

After looking over my credit report with the reality company i noticed that there is an account I do not recognize from XXXX XXXX  XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true
Product: Debt collection

For the last 14 years ( XX/XX/XXXX) Portfolio Recovery has been calling and sending collection Notices for a XXXX XXXX XXXX bill {$1200.00} from XX/XX/XXXX when I lost my house in foreclosure. I talked to them for many years explaining the bill went with the foreclosure on the house in XX/XX/XXXX. I moved to XXXX XXXX XXXX lived there for 10 years and they kept calling the house phone at my parents house and my cell phone. The kept insisting on multiple calls all times of the day and night. The also sent letters to my parents house. Every time I would answer and my dad would tell them the same thing. That the bill was from XX/XX/XXXX and went with the foreclosure on the house. I had a break from the calls recently because I changed my cell phone number and house number for the 10th time in 14 years. I spoke with someone Tuesday and told them the same thing I have been telling them for the last 14 years. So tonight XXXX XXXX  XX/XX/XXXX I got a phone call again from Portfolio Recovery spoke with XXXX XXXX and they are wanting to put it on my credit report and wanting to sue me for the bill from 14 years ago. The last 2 times I told them to stop harassing me with these phone calls about a bill from 14 years ago or I would contact a lawyer. I would like this harassment to stop because one it is from the last 14 years and statue of collecting the debt was only 4-6 years in Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my credit file. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX reports two late payments on my experian and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.
Product: Credit reporting or other personal consumer reports

There are debt collectors/ financial institutions on my " ens legis '' XXXX XXXX account that is fraud. Also identify theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI. XXXX. 

XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX. XXXX, VA. XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. 

These companies are in violation of title 15 u.s.c section 1 : trusts, etc., in restraint of trade illegal ; penalty $ XXXX {>= $1,000,000} fine. Also 15 usc 1692k, actual damages. I'm trying to buy a house and a car but I can not because these debt collectors are frivolously on my credit report and violating 15 usc 1, restraint of trade through Trust fraud.
Product: Debt collection

THIS COMPANY IS FALSELY REPORTING ON MY CREDIT REPORT. I HAVE NEVER HEARD OF, DONE BUSINESS WITH OR OWE THIS COMPANY.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment and concern regarding Bank of America 's lack of response to my dispute letter dated XX/XX/2023. The purpose of my correspondence was to bring to your attention an account that is inaccurately reporting on my credit report and to request validation of the account 's accuracy in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

My specific concern is that it is not reporting 100 % accurately on my credit report. I had requested in my letter that Bank of America validate this account to ensure its accuracy and completeness, as I believe there may be discrepancies in its reporting. I also stated my expectation that, should the account not be reporting accurately, it should be removed from my credit report as mandated by the FCRA. 

It is now evident that Bank of America has not fulfilled its responsibility to respond to my dispute within the required time frame, thereby violating the FCRA 's regulations. As of today 's date, I have not received any investigation results or correspondence from Bank of America regarding the accuracy of the account in question. 

This failure to respond not only disregards my consumer rights but also contributes to the ongoing presence of inaccurate information on my credit report. The FCRA is designed to protect consumers from such circumstances and mandates that accurate and verifiable information be reported by creditors and credit reporting agencies alike.
Product: Debt collection

In XX/XX/XXXX, I terminated my service with XXXX XXXX and auto-payment was suspended as part of the termination process. I was not informed about a final payment that was due, and I discovered through my credit report in early XX/XX/XXXX that this payment had been sent to debt collection agency XXXX XXXX XXXX. Upon learning of this issue, I immediately contacted XXXX, made the payment, and was assured by a representative that the derogatory mark on my credit report would be removed. Despite this assurance, the negative entry remains on my credit report, and I request that it be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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

XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to Equifax that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called XXXX XXXX XXXX, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to Equifax.
Product: Credit reporting or other personal consumer reports

Experian has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Experian agency report that need to be removed due to them being now considered income. XXXX XXXX, XXXX XXXX XXXX accounts, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also XXXX accounts in collections XXXX XXXX  and XXXX XXXX. They are to be taken off my report for XXXX reasons XXXX ) I have no contract with them at all and I informed them that they were to cease and desist. XXXX ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX  and XXXX XXXX would be a third party. They also did not help in taking off my names as I will allow only XXXX XXXX XXXX all the rest need to be removed. Also they need to remove the XXXX hard inquiries along with the XXXX soft inquiries. Lastly the only address that should be online there would be XXXX XXXX XXXX XXXX XXXX, NV XXXX. The other addresses are not deliverable addresses. ( I have no collection accounts ) as reported by other credit agencies and they all have to report the same this is an error.. I will also attach the IRS law.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX {$0.00}, XXXX XXXX {$10000.00}, and SYNCB/PPC {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, we sent {$26000.00} from XXXX XXXX XXXX  to a JPMorgan Chase Checking account through an ACH transaction. The money was transferred through a 3rd party, XXXX. Typically, an ACH transaction takes 3 to 5 business days, which means the money should have arrived at JPMorgan Chase on XX/XX/XXXX. On XX/XX/XXXX, the recipient informed us that the money had yet to arrive. On the same day, we realized the recipient we had been in contact with was a fraudulent spammer, impersonating the actual recipient through a spoofed email address and duplication of invoices. We informed our bank, XXXX XXXX XXXX, and the 3rd party processor XXXX.XXXX  of the fraud case, and they issued a formal Fraud LOI Reversal correspondence to JPMorgan Chase. However, as of submitting this complaint, JPMorgan Chase refuses to respond to the LOI. Based on our evidence, the money was never sent to the fraudulent spammer, and JPMorgan Chase still possesses the fund. The evidence is 1 ) After seven working days, the fraudulent spammer complained that they didn't receive the fund. 2 ) When we communicated with the local Chase bank branch where the recipient bank account was located on XX/XX/2022, they informed us that the account was already closed and marked as fraud. This complaint is against JPMorgan Chase, which refuses to cooperate with the Fraud LOI request and does not officially clarify the fund 's status.
Product: Credit reporting or other personal consumer reports

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiries. Experian : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.
Product: Credit reporting

ChapXXXX Bankruptcy discharged all debts. Bankruptcy was filed XX/XX/2016. Equifax refuses to change my open collections to CLOSED. I have disputed the information 4-5 times online and via fax 2 times. Equifax continues to report accts as open collections They have updated the language on the accounts to include " bankrupty- undesignated chapter '' in the remarks section and they have changed the balance to zero, However Equifax refuses to correctly report the accts as CLOSED. 
The accts ARE closed and EQUIFAX should be reported as such. Reporting it any other way is falsifying information. An open collection acct has a negative impact on my score. There are XXXX accounts that EUIFAX is reporting as open : 1 ) XXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX 2 ) XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX./Orginal Creditor : XXXX. 
It should be noted that I am making a cross complaint against the above listed creditors as they have repeatedly reported the information incorrectly to the CRA 's they also have been asked to update and report the accts as closed. If the creditors and the credit reporting agency continue to falsely report the accounts as open, I will follow up with lawsuits. The debts were discharged in bankruptcy. The accounts are closed and should be reported as such.