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

I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information TransUnion and XXXX are reporting on my credit file for USBK Court Southern Texas Docket # XXXX and USBK Court Southern Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things not correct. I sent a letter to Experian on XX/XX/2024. It had been more than 35 days since they have responded. That is a Violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Below are the items that do not belong to me that you continue to report erroneously. 

XXXX. XXXX XXXX, XXXX, Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 
Thank you,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone posing as a representative of chime XXXX XXXX XXXX  ) led me to believe that they were assisting me of stopping a payment on my account however they accessed my account and did a mobile transfer of funds to themselves completely draining my account. When I disputed this transaction with chime they denied me bc no error was found however my debit card is still in my possession but my money is gone to a XXXX whom XXXX have no affiliation with or have never heard of until yesterday this scammer has multiple handles on the chime platform which leads me to believe that they perform fraud quite often but was not taken into consideration on Chimes part which ultimately resulted in the denial. This claim was not thoroughly investigated as they claimed so no I am out of my paycheck and no way to care for my son
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX   and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Product: Credit reporting or other personal consumer reports

Transunion placed XXXX hard inquiries, that I didn't apply for. Then removed them same day. But dinged my credit XXXX points?? 
I spoke with them. They said I had to reach out to each creditor? I didn't apply for these and they have already been removed, so there isn't anything to dispute. But they didn't fix the XXXX points they took from my score for their mistake.
Product: Debt collection

XXXX has sold my loan to JTM Capital. I'm in the process of selling my home. Once my home is sold. I will pay this off. But what I only have borrowed.
Product: Debt collection

I was contacted by phone at work for a debt that I do not owe. I was contacted by the bottom feeder known as Portfolio Recovery Associates , LLC.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a free credit report once every 12 months, and I have made repeated requests for this information during the years of XXXX, with heightened contact in the months of XXXX to XX/XX/year>. Despite this, I have not received the necessary documentation or credit score, which has led to significant personal and financial hardship. 

I am a XXXX veteran, whom needed to relocate d

ue to the complexity of my injuries. Due to your failure to deliver the required credit information, I have been unable to access my credit score and report, which has severely impacted my ability to purchase a home. As a result, I have been denied mortgage opportunities and have incurred significant financial setbacks, including but not limited to the loss of earnest money deposits and increased costs for housing. This failure has directly contributed to unnecessary financial stress and debt. I have kindly requested an immediate investigation into this matter and have yet to hear from Equifax, however they continue to taunt me via email in hopes of me purchasing one of their products. It is truly sickening how they continue to get away with this time and time again.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX XXXX  ) Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information on to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I only gave XXXX XXXX XXXX permission on XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XX/XX/XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.

Collection activities shall cease immediately pursuant to 15 U.S.

Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : XXXX XXXX XXXX XXXX XXXX, GA XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX I HAVE SENT THESE CRA 'S DISPUTE LETTERS VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. 

I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. 

I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. 

I HAVE NO KNOWLEDGE OF THIS ACCOUNT! 

THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN!
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report, despite my previous disputes submitted on XX/XX/year>, and XX/XX/year>. These disputes outlined specific inaccuracies regarding reported late payments on this account and were supported by ample documentation. Yet, the incorrect information remains unaddressed. 

Under 15 U.S. Code 1666b, creditors are required to send periodic statements, including all relevant information outlined in section 1637 ( b ), at least 21 days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that both credit reporting agencies and information furnishers correct inaccurate or incomplete information in credit reports to ensure maximum accuracy.

Furthermore, under the CARES Act aid relief provisions, specific accommodations were established to protect consumers during the pandemic, particularly regarding credit reporting and payment obligations. These provisions required creditors to report accounts as current if payment accommodations were in place, provided the consumer met the terms of such arrangements. By failing to appropriately adjust this account under these protections, your actions not only violate the FCRA but also disregard these consumer relief measures.

The inaccurate reporting has unjustly harmed my credit score, caused me significant distress, and is a clear violation of my rights under the FCRA. I demand the following actions : Immediate correction of any inaccurate information, including the removal of reported late payments that occurred during the CARES Act-protected period.

A detailed explanation of the actions taken to investigate and resolve this issue, including a description of the verification procedures employed for my prior disputes.

If these corrections are not made within 10 days of receipt of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to seek damages for this negligence. Under Article 616 and 617 ( 15 U.S.C. 1681n and 1681o ) of the FCRA, you may be held civilly liable for willful and negligent noncompliance. Additionally, I will consider notifying other regulatory bodies and consumer advocacy groups.

I expect to receive written confirmation of the corrective actions taken and assurance that this matter has been resolved. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$2300.00} ; Medical XXXXBalance : {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
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 under 15 USC 1681.

EXPERIAN credit reporting agency has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Checking or savings account

this usbank XXXX, this is the second time in 6 months they have disabled and locked me out of my online banking where i can not pay bills or see my accounts or withdrawal money or pay credit cards. i sign in and it disabled all my business and personal accounts so i cant see none of accounts or credit cards or loans to get in to pay bills either. im XXXX off this keeps happening. i called and the fraud dept XXXX says im locked out for 72 hours. i told them since this keeps happening probably thinking about banking with someone else not banking with them anymore cause its stressful that i cant get in to do anything with my accounts at all. there is no reason they should keep locking me out like this. i called the fraud dept and i told them im unhappy with your usbank business locking me out every 6 mths like this will go bank somewhere else with my buisness and personal account if you keep doing this to me. and im at that point now of going somewhere else if they dont get me in today and wont help me to sign in.
Product: Mortgage

My partner was checking my credit report because we are trying to get a mortgage loan. 
on my credit report it showed a loan for XXXX that was not mine. 
I called bank of America on XX/XX/year> XXXX Talked to XXXX from texas employee ID # XXXX, I told XXXX about this loan that was mistakenly put in my name and she transferred me to the fraud department. 

I then talked to XXXX employee ID # XXXX. 
He informed me that there was a loan in my name. and asked if i would like a copy of the promissory note. I said yes and he sent me a digital copy. this note has my name nowhere on the document. This home that was purchased was also in XXXX XXXX which I told XXXX that I do not own this house and I live on the other side of the country. He agreed that this couldn't be me and also that it was suspicious. he create a fraud case for me. 
I gave XXXX my first and last name and contact information XXXX was able to give me the information on the loan and who it came from. 
XXXX XXXX who died and was given over to XXXX XXXX in Rode Island. 
he create a fraud case for me. Fraud # XXXX. 
I gave them my Social Security Number to prove it wasn't me and also my XXXX XXXX to send me information I was then informed to wait for a call 24-48 hours from creating this case. I received no call. 
I was given a phone number to call back. XXXX. 

XXXX I called this number again on to see if there was an update and the rep couldn't find my fraud case number. I updated them again on the loan information. from above and now I was told it could be longer for the case to be finished. 

XXXX Called again Gave them po box again Phone Number again SSN again First and Last Name again They informed me that it will take some time and somebody will contact me. 

XXXX received the physical copy of the promissory note. 

This company is not doing this investigation in a timely manner, they are not contacting me at all regarding this investigation. 
please help me fix this problem I am try to get a home loan and this issue is delaying the progress. 

Could you please investigate this. I need written verification that this is fraud, and that it will be removed from all three credit reporting agencies immediately. this is preventing me from purchasing a new home. This is not OK.
Product: Mortgage

I had 3 different HELOC loans on some of my rental properties that ultimately ended up at PNC Bank. These have always been paid on time and I believed that all 3 were paid off. I received notice that PNC had reported me late. Because this information is unaccessible online for some reason with them, I contacted them by phone on XX/XX/19. Upon reaching customer service and giving them my name, the address and my social security number to look up my accounts, I was told that that was not enough information to give me balances. I am not sure how they expect me to pay off the accounts if they will not tell me the balances. After arguing with the agent, I requested a supervisor. The Supervisor was arrogant right off the bat. She wanted additional information over and above my name, social security number the address and even the account number that I had for one of them. She now needed the original balances on the accounts. These loans were made 15 - 20 years ago. There is no way I know the original balances. After telling her that I was filing a complaint and would like a copy of the recording of the conversation she told me to get a court order. She then said I could tell her the last payment that I made on each account. Again this was months ago and my online banking no longer has this info without going to paper records. ( this is an entirely different issue, but another way banks are not helping the consumer ) She finally gave in when I gave her all 3 addresses and gave me the balances. 2 had been overpaid by several hundred dollars and one was short {$19.00}. Instead of applying the overage funds to the short account which I thought was paid in full, they chose to report me late to the credit bureaus. What a lovely policy to XXXX the consumer. This is the most arrogant unhelpful lender I have ever had the displeasure of working with.
Product: Debt collection

on XX/XX/year> I attempted to pay on my students loans. The funds were taken from my checking account, but then Aidvantage reversed the payment. This servicer even emailed me " payment posted '', confirming they received the funds. However, this was to be reversed by them for some reason. 

I am now behind on the loan, gaining interest and risking my credit. 

Please investigate. This is egregious.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following accounts on my credit report as fraudulent and demand their immediate removal. These accounts were opened without my authorization, and their presence on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Best Buy Citi Visa credit card since the summer of 2017 and it is not on any credit reports. It has a XXXX $ limit, I paid off almost all of it except XXXX $ left. I have called them and they say they are reporting, but it isnt on any credit reports. All of my information matches the stuff they have on file though. I was hoping to get a big boost in credit score due to paying off such a large sum of credit.
Product: Debt collection

Canceled a Renters Insurance Policy 6 years ago, but apparently it did n't get cancelled, and was continued to be billed through payroll deduction that went un-noticed. Company changed something so the payroll deduction stopped. Policy was sent to collections due to non-payment. Debt collection company, Caine & Weiner, started to contact me through letters and calls claiming I owe {$71.00}. In XXXX I contacted original XXXX XXXX, the original policy holder, explained the situation, received around {$1000.00} as a refund for the overbilling of the account and was assured that the collection attempts would stop. I then disputed the claim with Caine & Weiner through an email address they provided because their representative claims that disputes can not be made over the phone. I believed matter was concluded but then Caine & Weiner resumed trying to collect a debt not owed in the middle of XXXX. Also, instead of calling my phone number like they had no problem doing so month ago, they are now calling my family members to contact me. I have reached out to XXXX XXXX and have been sent confirmation of not owing any money.