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

This morning, I noticed unauthorized inquiries on my credit report for no apparent reason. I routinely check my report, but today there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. The inquiries remained. I need this issue resolved immediately and ask that the documents Ive provided be reviewed thoroughly to prevent future worries. I am extremely frustrated and need a swift resolution.
Product: Mortgage

My mortgage is through Regions Bank in Missouri. At or during the time when the United States Government enacted the Covid-19 Forbearance, I called Regions Bank to inquire about this program. I asked many questions, to include asking the employee handling this Regions Mortgage Forbearance Program, to include is there anything I should be warned about ahead of time, will this affect me or my credit on the tail end of this option. So, by accepting this Covid-19 forbearance through Regions Bank , would it be reflected on my credit statement on either three of the credit reporting agencies. The employee stated equivocally and totally that it was a NO. That by entering into a forbearance, it would NOT be reflected on my credit and yet I am still fighting their credit determination and reporting practices because the forbearance was reported to my credit as non payment. I am in understanding that he was a low-level employee and that was not a question he was eligible to effectively answer at that time. I say that because now I am finding out through proof of this company 's handlings with my report and the short comings in which it not only was but is still being handled. I feel they are at blame in this matter because what I was told by their employee and the fact that it should be on record, by the statement they told me during every phone call is that all phone calls are recorded. So, if this is true then all of my phone calls should be on record in regard to this matter, even going back to when I first signed up for the program in which I am referencing and should be able to be accessed to this case. 
My issue is that when I first called, they, the employees at Regions Bank on a recorded phone line informed me that nothing would affect my credit or reporting of my credit from going into the Covid-19 Forbearance Program enacted by Congress.

Secondly, when i have checked my credit, I see that this forbearance through Regions is yet still reflected on my credit, through all three credit reporting agencies. My issue with this bank and their reporting, is that I was promised by a Regions Bank employee in the mortgage department that by entering into the Covid-19 Forbearance Program set in place by our government that it WOULD NOT affect my credit. It however is being shown on my credit and I am very upset about this. I am a veteran, and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX through the VA. I do not appreciate their actions or response to my inquiry about this and it has not been done in a timely manner and or handled in a respectful manner. I feel I am owed this by my service to my country at the least. 
Thank you for your time in regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
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 XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$1200.00} XXXX {$190.00} XXXXXX/XX/XXXX XXXX XX/XX/XXXX {$2100.00} XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$990.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reassonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved .The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failling to adequately notify consumers of dispute outcomes.These failures align with my experince, where Experian has neither corrected nor removed disputed accounts items despite the evidence i provided. I am reqesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violate federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX XXXXo file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or was opened without my permission. I found that under section 605b ( a ) XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) JPMCB CARD XXXX Date Opened : XX/XX/2015 Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.
Product: Debt collection

Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts.
Product: Debt collection

I am repeatedly receiving phone calls 2 to 4 times a day form Cardservices, beginning at XXXX and going several times throughout the day from a XXXX phone number, which my area code is XXXX but cardservices is in New Mexico XXXX And this has been going on for over a month now. I've asked them repeatedly to STOP calling me. I've spoken to 4 agents including today XXXX today.. and told them all to 00 my number out of their system and to not call me again and I keep getting phone calls still repeatedly daily harassing me causing me XXXX  and triggering my XXXX XXXX with XXXX. My account is not even in collections, its under credit protection and I've told them repeatedly that it is and I'm quite sure they see that my file. So the fact they keep calling is asinine. I WANT THE CALLS TO STOP.. and I want to be compensated for them breaking the law. My phone records every conversation and my phone ledger has tracked their number. They've called me an over 100 times in 4 weeks. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is reporting an inaccurate account on my consumer report. The account is name " XXXX XXXX  Account # ending in XXXX '' They have failed to provide me with proof on an investigation to verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. These account was removed from XXXX  and XXXX  but Transunion still haven't removed it. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted them regarding this and i was told to get an FTC report.
Product: Credit card

I just would like to add to my previous complaint XX/XX/24 about breach of oral contract by BofA pertaining to a XX/XX/24 credit card settlement agreement that was offered & accepted therefore binding. The XXXX XXXX did call me back on XX/XX/24 & offered to return the payment of XXXX to my father as restitution. I declined that offer as I would just like BofA to honor the settlement contract, I reside in PA & a contract does not need to be in writing for it to be valid. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To who it may concern, There was a breach with the XXXX XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a victim of identity theft and I discovered it back in XXXX. 

I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX  and Experian. 

XXXX XXXX XXXX XXXX removed the fraudulent account from XXXX   and XXXX  but continued to report the fraudulent account to Experian. 

I sent in a second letter to XXXX XXXX XXXX XXXX letting them know this account is fraudulent and it should be removed from my Experian credit file just as it was removed from my XXXX  and XXXX  credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. 

A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that XXXX XXXX XXXX XXXX claims was my account. In accordance with section 609 ( E ) of the  Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. 

I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. 

XXXX XXXX XXXX XXXX violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. 

In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and XXXX XXXX XXXX XXXX is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? 

Further questions, how does XXXX XXXX XXXX XXXX reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny requests of information? 

I have attempted to call XXXX XXXX XXXX XXXX several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. 

XXXX XXXX XXXX XXXX is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and XXXX XXXX XXXX XXXX has not been responsive to my most basic requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My Experian Credit Report also shows a Bankruptcy and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact Experian to remove these items.
Product: Debt collection

I recently submitted a request for an ID theft block on my credit report due to concerns about potential identity theft. Unfortunately, I received communication that the request was declined. I am writing to dispute this decision. As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that TransUnion does not have the right to decline my valid and legitimate ID theft block request. The other credit bureaus have accepted similar requests, and I am confused as to why TransUnion is not complying with the same standards. I appreciate your prompt attention to this matter and request a thorough review of my ID theft block request. Please ensure that TransUnion complies with the FCRA and promptly addresses this dispute.
Product: Checking or savings account

I went to First Interstate Bank yesterday and tried to close an account in my brother 's name being I am my brother 's attorney-in-fact. Bank refused to do it. I asked for the account number, they wouldn't provide it. They wouldn't even provide this to my brother, the account holder. I was also face to face with the branch manager and she said a few words basically denying me.
Product: Credit reporting

I would like to file a complaint against TransUnion for not following the rules of the FCRA, specifically section 611 ( 5 ) ( A ). Here are the details which my complaint is based upon. Last year I noticed that TransUnion was reporting items on my credit report which I did not recognize, or have any previous knowledge of. I notified them ( see attachment " TransUnion '' ) of this error and asked that they remove the items. They claimed to have " investigated and verified '' the accounts and permitted them to remain on my report. In XX/XX/XXXX, I notified the companies reporting the misinformation to TransUnion ( see attachments " XXXX XXXX '' and " XXXX '' ) and informed them that they were reporting erroneous information and to correct their records. I asked that they provide me with some verifiable evidence of my indebtedness to them ( signed, executed contract, application or agreement ) They failed to do so. It 's now way past the 30 day allowable timeframe for them to provide me with requested documentation. I have since asked TransUnion to re-investigate these accounts, via their online dispute system, and they continue to report these erroneous, invalid accounts on my credit file. As a result, I feel that I have been harmed, emotionally and financially and ask that you assist in resolving this manner as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, personal credit card account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, personal loan account opened at XXXX XXXX  XXXX opened XXXX XX/XX/XXXX under the account number XXXX, Home equity loan account opened at XXXXXXXX XXXX opened on XX/XX/XXXX under the account number XXXX, Educational account opened at XXXX XXXX XXXX opened on XX/XX/XXXX opened under account number XXXX. These hard inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Synchrony bank pertaining to my overall accounts : Sams credit card, XXXX XXXX, Ashley Home card. I finally had a representative update my credit utilization to display accurately during the month of XXXX. After this discussion my utilization was showing 65 % which was inaccurate. I then seen my XXXX report was showing improvement after my score dropped across all three bureaus for at least XXXX points. Today, I received a notification on XXXX that I had an increase in utilization of 57 % for my XXXX XXXX  card which was a balance at beginning of month of less than {$1000.00} with limit of {$2200.00}. In which I made a payment of balance to keep utilizing low below 30 % on the XX/XX/XXXX and several others ensuring I wasnt late then another payment for same month XX/XX/XXXX for remaining balance that populated on the XX/XX/XXXX to ensure reporting by the XXXX was accurate and not reflecting negative to my credit utilization. I immediately contacted Synchrony again and the representative stated after speaking with her manager that they only reported for XXXX but confirmed reporting is sent on the XXXX and the payment I made wasnt applied yet which is 7 days afterwards. Consequently the company placed a hold on my payment that was released by XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card dashboard on XX/XX/XXXX with a balance of XXXX. Ultimately the reporting for today should reflect 0 % utilization. The representative stated she understands but they reported XXXX not XXXX but in actuality it was already posted for XXXX in which you will see in my credit report that I disputed the utilization errors initially and was thankful I was sending this be resolved. Now I am seeing intentional treatment to fraudulent report accounting for my consumer account to credit bureaus to display me as a unworthy candidate for credit or authorization of it entirely. I am aware of reporting in arrears but not willing to have a creditor take my payment then hold it even when it was processed through the bank. That is intentional to undermine my credit worthiness