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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 https : //www.ftc.gov to 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 accounts/items which do not belong to me or were opened without my permission. 


XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00} According to FCRA XXXX XXXX ( 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 4 business days after the date of receipt.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) 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, XXXX, or local law enforcement agency, including the United States XXXX XXXX Service, 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. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed for bankruptcy on XX/XX/XXXX. Experian flagged my credit report with the bankruptcy information. All the companies I filed on also reported "debt included in discharge through Bankruptcy ChapterXXXX" with closed. Including XXXX, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. Experian has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.
Product: Student loan

I have been in and am eligible for income based repayment since I XXXX  in XXXX. I logged into my account recently and found MOHELA had taken me out of IBR and put me in level payment raising my payment from {$400.00} to {$1100.00} ( after no changes by me re : my income ). One loan was put into SAVE, all other in LEVEL. They are all eligible for SAVE or income contingent repayment per Studentaid.gov, and my payments should be between XXXX and XXXX depending on if I choose SAVE or ICR. On level ( again their mistake ) my account would be immediately overdrawn if this amount was debited, but if I remove my account, I lose my .5 % decrease in interest for having auto-debit. I called and the person I spoke to XXXX told me this is happening to a lot of people. She could offer not solution other than for me to reapply and if they can't process it before repayment, which they said they can't, I will be in administrative forbearance, which over the long run obviously costs me more money as my loan is accruing interest while Mohela " figures it out '', enriching them in the long run. Great little scheme if that's what they're doing on scale which it seems it is since their rep actually just said that. And after speaking to them, all I got was a letter saying I'd been put in level payments. Are you kidding me? They have offered NO solutions for their mistake and I'm the only one who suffers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : jpmc b card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Credit Report from Experian on X/XX/2017. There are multiple unauthorized requests for my Credit History I contacted Experian and requested they investigate and eliminate inquiries and they refused
Product: Checking or savings account

I opened a claim with my bank, Wells Fargo, on XX/XX/22 for multiple transactions, including one for {$630.00}. Later, I discovered that the transaction for {$630.00} that was included in my claim was, in fact, authorized. I notified my bank of this on or about XX/XX/22. Initially, I was told that my request would take 2-10 days to remove the transaction from the dispute. After that time expired, I was told that it was still being investigated. Later, I was told that the transaction was never included in my dispute, although I received communication from the merchant that the funds were sent back to my bank, in XXXX, as a result of the dispute. The funds were never put back into my account, nor does the merchant have the funds. My bank has the funds but haven't been able to locate them. I have a complaint open, a claim open, I have spoken to multiple bank reps, and two supervisors. This matter is still unresolved. I'm still left with the question
Product: Mortgage

I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed EXPERIAN, XXXX, and Equifax to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED. 

Inaccurate info violates FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable. 

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX XXXX have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They put a hard inquiry on my credit which was not mine I never inquired anything with chase I think it might be due to identity theft it took my credit down alot and I want it removed blow is a picture of the company that did it and the date it was did
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have Child Support with ALLY FINANCIAL INC . I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 or other personal consumer reports

XXXX XX/XX/XXXXhave failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I signed up for monthly credit report monitoring through Privacy guard. I tried to pull my credit report file through the 3 credit bureau 's and Equifax came back with an error. I contacted XXXX XXXX and they informed me that the system was reporting an error when trying to pull my Equifax report. They told me to contact Equifax and ask for a credit information verification. I have contacted Equifax twice today on XX/XX/XXXX, attempting to verify my credit information IE : name social security number and address. They informed me that I have no credit file and to contact every single account I have and ask them to send all of my credit information to them. I had my credit pulled for a loan on XX/XX/XXXX, and it was reported by Equifax. I was part of the Office Of Personnel management hack and was given the 15 years of credit monitoring. On that website for the XXXX XXXX  it shows that report pulled from Equifax and yet XXXX from Equifax tells me I have no file. They have told me also to send them mail with my SSN card, drivers license with current address and a utility bill to verify my credit identity. How can my credit file exsist one day and in 3 days just disappear?
Product: Credit reporting or other personal consumer reports

XXXX : This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letter to credit Bureau Experian, XXXX XXXX, And XXXX By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX  refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter
Product: Credit card or prepaid card

I received a notice that my payment was overdue, and that I needed to pay {$100.00} by the XXXX. I went to the online account and made the payment shown as due. I can see in my account that I made payments last month and the month before of {$33.00}, which I believe was the minimum payment amount when I set up those payments. I am signed up for paperless statements. I have not made any purchases on this card for many months -- it was used to purchase my cell phone and a case, and nothing else. 

I can not find anywhere in my account that displays 1 ) what charges or fees have been applied to my account, 2 ) what my payment due was, or the due date, for any past billing period. The email containing a link to my paperless " statement '' just takes me to the same " transactions and statements '' area of my online account, which says there has been no activity since my last statement, and likewise for past periods that I look at, it says no activity. It is possible that my payments were late, but I have no way to tell. I don't know what fees I was charged, or how the amount of {$100.00} was arrived at, because all it says is " no activity. '' In addition, I am unable to schedule a payment for next month or any future month. 

This all seems wrong to me. I should have a complete and itemized statement of what they claim is due on my account. I should be able to see, from a statement or from the payments section of my account, what was due, when it was due, what I paid, and when it was credited to my account. I should be able to see somewhere on the account site what my due date is.
Product: Credit reporting or other personal consumer reports

Several unrecognizable and unauthorized hard inquiries appear on my report. Ranging from XXXX. 

XX/XX/year> XX/XX/year> etc XXXX mortgage companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Debt collection

Company rep. from Global Radius Solutions LLC has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I on XX/XX/2018 have sent Equifax a certified mail asking for verification of an account that I suspect is fraudulent. 
under the FIR CREDIT REPORTING ACT UNDER SECTION 611, Notice of Results of Reinvestigation ( A ) In general. A consumer  reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"