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

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by TransUnion, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with TransUnion, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. Remove all late payments to current open accounts. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I have a vehicle loan through SunTrust Bank. On XX/XX/XXXX, I was furloughed from employment XXXX   to Covid-19, and on XX/XX/XXXX, I contacted SunTrust to inquire as to what options I had to defer payments without affecting my credit report. The representative said paperwork would be emailed and I should sign and return upon receipt. This would defer payment for 3 months and those payments would be moved " to the back '' of my loan. I never received such paperwork. After many follow up calls, alternative emails given, and mailing address verified, the paperwork still failed to arrive. Their response was that they, too, had many people on furlough, and the rest were working from home. While I understood that, I needed to make sure our credit wasn't affected as I had previously made timely payments over the amount that was due. On XX/XX/XXXX, my vehicle was repossessed. The day my vehicle was repossessed, a representative offered to send me the infamous paperwork via fax. Had this been an option from the beginning, this would be a non-issue. I was able to receive, sign, and return the information in about an hour. 
I contacted SunTrust Bank to inquire about the paperwork very frequently, yet no one ever asked about any payments that had " been missed '' or advised me as to any impending repossession. No calls were made to me, no mail was sent asking for payment. I paid {$140.00} to the impound company and {$560.00} to SunTrust Bank as a " repossession fee ''. None of these monies went toward my vehicle payments. My credit report now shows late payments for the months of XXXX, XXXX, XXXX. Since then, I've gone back to work, yet my wife has now been furloughed since XX/XX/XXXX. Miraculously, after the repossession, SunTrust is now able to reach me via email and I was able to defer payment until XX/XX/XXXX by simply signing the form electronically. On the paperwork that was faxed over to me, which I singed and returned, it states that Three payments were deferred and my next payment would be in XX/XX/XXXX. That says to me that the months of XXXX, XXXX, and XXXX should show as current since those were " deferred ''. In my attempt to correct the issue, I filed a XXXX   complaint which yielded no results. The representative now says there is no records of my many phone calls yet she somehow has records of phone calls I've never received. They are refusing to submit corrections to the credit reporting agencies, or allow those fees to go toward my car note. Despite the representative 's initial statements that she were able to help in the situation, she now says there is nothing SunTrust is willing to do. Daily interest continues to accrue, which is fine, yet it is my belief that the company was unscrupulous in repossessing the vehicle to receive additional fees especially during a time in which millions are struggling.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax refuses to remove inaccurate information off my credit file after sr ding in identity theft report and police report
Product: Checking or savings account

XX/XX/XXXX - XXXX XXXX XXXX {$20.00} XX/XX/XXXX - XXXX {$25.00} XX/XX/XXXX - XXXX {$29.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$260.00} XX/XX/XXXX - XXXX {$180.00} XX/XX/XXXX - XXXX XXXX   {$290.00} Filed chargeback against these unauthorized charges. Personally I believe this scheme is happening due to an employee either at my residence or s nearby store/restaurant.. all of these charges are within 1 mile of where I live. Bank disputed the charges, of course telling me I have to wait 10-45 days for the investigation to complete, which hurts me because I end up getting harassed by bill collectors and/or getting insane amounts of late fees accumulated.
Product: Debt collection

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My identity was stolen someone used my information to open a credit card by the name XXXX XXXX XXXX AND THE DEBT AMOUNT WAS SENT TO DEBT COLLECTOR BY THE NAME OF XXXX XXXX ASSOCIATES ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXXDEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF EDXXXX  should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY
Product: Credit reporting

This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XXXX XXXX and the house sale date was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I informed TransUnion that the information was not mine and would like it to be removed immediately and is still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized and unverified inquires on my XXXX  credit file. They are as follows 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 Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Mam, on XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX or XXXX XXXX XXXX initiated a hard inquiry on my experian credit reports without having my authorization. 
I kindly ask you to remove the hard inquiry thank you. 

XXXX XXXX phone XXXX XXXX XXXX email : XXXX XXXX
Product: Debt collection

regarding account XXXX which you claim paid, was a charge off such as I owe {$68.00} or my account was charged off {$68.00}. 
ACCOUNT XXXX : This account is unknown to me. I have reached out to the furnisher and they are unable to validate this debt as mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Called consumer to confirm personal information, no updates. Dates arent accurate, addresses are incorrect
Product: Debt collection

On XX/XX/2021 XXXX XXXX the Owner of XXXX XXXX, managing the property XXXX XXXX XXXX XXXX offered me to 'just leave now ', while being under the protection of the CDC XXXX XXXX. The offer did not have an expiration date or a specific time frame requesting an answer for the offer. On XX/XX/2021, I received an email from XXXX XXXX, XXXX giving me notice that XXXX XXXX has filed a collection against me. I have in writing, XXXX XXXX stating if we 'just leave now ', that the owner of the building would not pursue legal/credit recourse.
Product: Credit reporting or other personal consumer reports

I was having a hard time last year was forced to fall behind due to multiple unforeseen events no fault of my own. I contacted XXXX XXXX in XXXX to resolve my delinquent issues. I was offered a payment plan for 8 months. I paid over my normal minimum payment with a 8 months payment plan. The entire payment place since XXXX was PRESCHEDULED and on AUTO PAY. XXXX continue to report my account reach month as being late when all of the payment has been made ON TIME and AUTOMATICALLY. I disputed the error and XXXX would just go an report my account XXXX late right after. Case in point they removed the recent XXXX error and yesterday I receive a notification they reported my account as late again.
Product: Credit card or prepaid card

Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Capital One XXXX Capital One XXXX XXXX, VA XXXX XXXX my right by closing my account PLATINUM Account ending in XXXX and NOT telling me or giving me reason why it was closed or an opportunity to fix. 

if i pay balance i lose because my credit profile will be super negative. 
if i pay i lose because they closed my account. 
it is better for me to have an unpaid balance or charge off than to do business with company. 

Capital one XXXX Capital One XXXX XXXX, VA XXXX is FORCING me into poor credit and poor credit score and poor credit profile.

This is OPPRESSION as stated in the constitution ''The fourteenth amendment to the Constitution considered : the right to pursue any lawful trade or avocation, without other restraint than such as equally affects all persons, is one of the privileges of citizens of the United States which can-not be abridged by state legislation.

Remember that the pursuit of happiness, in the Declaration, is not a quest or a pastime, but " an unalienable right. '' Everyone has the right to actuallybe happy, not just try to be happy.
Product: Credit reporting or other personal consumer reports

Please see attached docuasments. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX5 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 The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Why is there a balance being reported? 

I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so! 

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Debt collection

I wasnt served a summons properly. I went to the courthouse and explained it to them because I didnt want to lose by default. Nothing happened with this court and I had not validated the debt. I was told I would be receiving something by email which I never did. I received a letter in the mail stating I was about to default.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

( 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 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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency 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 or prepaid card

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my XXXX XXXX. The references for the late payment on this account is erroneous and misleading causing negative impact on my XXXX XXXX! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
SF/LEAD BANK XXXX Opened XXXX XXXX, 2020 Balance {$8.00} SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$1400.00}
Product: Credit card

I opened an account with XXXX XXXX  in XXXX to transfer my balance from my XXXX XXXX XXXX XXXX card to, as the XXXX card offered 0 % XXXX on balance transfers. XXXX sent a check to XXXX and charged my account. XXXX deposited the check, but I never received credit on my XXXX account for the check. My XXXX  account was charged on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX to let them know that XXXX finished their investigation, and that they had sent me a letter with the results. I asked XXXX how I could send them those results, and they told me a case number on the phone with no additional information. XXXX asked for the exact account number the check was for, and XXXX told me they could not provide any information on that. I am currently still paying off both balances and not sure if any resolution is in sight. XXXX 's website gives me errors when I try to pull up information related to the transfer or disputes.