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

Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) 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 Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA XXXX Please REMOVE fraud alert 48 hours AFTER initiation. 

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express issued a card to the XXXX XXXX XXXX which is owned by me. American Express is reporting the account to all three bureaus as a " charge off, '' however I am still paying the required minimum payment on the account every month AND accruing standard interest as per the card issuer agreement. American Express refuses to remove the " charge off '' status from my credit report despite my continuing to pay the required minimum payment and accruing and paying interest as stated in the cardholder agreement.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : XXXX, XXXX, TransUnion has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices.

2. Reporting of Late Payments : I have discovered that XXXX, XXXX, TransUnion has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement.

3. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7. 
I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel XXXX, XXXX, TransUnion to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with XXXX, XXXX, TransUnion directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.
Product: Mortgage

I've applied for a mortgage loan with CIBC Bank. I have been discriminated against on the basis of XXXX. There has also been discrimination, as it relates to my credit score. I filed a complaint with the bank, and no one has reached out to me. I've provided all requested items to the underwriter, and she will not clear my file to close. Each time I provide what has been requested, then she request additional items. The purchase price of the home is {$320000.00}. The Director of Underwriting, XXXX XXXX, stated that he was irritated with my loan. My file is approve/eligible, and I have the cash to close ; however, XXXX XXXX XXXX and his underwriter XXXX XXXX will not clear my file to close. I will be homeless in the next few days, as my apartment has been rented. I've expressed this to the bank, and it has fallen on XXXX XXXX. This bank 's discriminatory underwriting practices are blatant. They have already had a loan officer to leave, due to the fact of how minorities are treated, and discriminated against when applying for loans.
Product: Payday loan, title loan, or personal loan

I took out a personal loan at Check N Go last XXXX. The amount of the loan I believe was {$1800.00} with XXXX per month being paid per month for 18 months to pay off the loan. This was an installment loan not a payday loan. At the time the loan was set up I was sent to an app called pocket XXXX to manage the loan. I have not been able to access XXXX and have requested assistance through the company to be able to view the records and and each time have been told they can not figure out what the issue is with my login. I feel I have ran out of resources in which to turn for assistance. I have no other complaint with the company aside from them limiting my access to my account. I have never missed a payment and the loan is in good standing but they/their technology will not allow me access to my account records with CheckNGo/XXXX. Oddly enough while they have inhibited my access to the account records it has no impact on the scheduled recurring payments being withdrawn from my account. This does not seem fair and at this point the company is either unwilling or unable to assist me. The customer service has lacked every step of this. All they say is someone will follow up in 24-48 hours and there is never a follow up to my issue. I am very frustrated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

My divorce agreement was through the state of XXXX, there was never a child support order because we had shared custody ( the Custodial parent became nonexistent for 12 years! ) I had never seen nor did I sign the document they have, the order isn't even correct even if I had! Child goes to live with mother who lived in XXXX Unbeknownst that she was moving and I still dont know where nor seen or spoken to my child, I've been paying XXXX Child support and current but XXXX states I'm arrears {$28000.00} from XX/XX/XXXX to XX/XX/XXXX at 12 months that's {$2300.00} a month? I asked if there was a document my my Or a judge 's signature on it with their office the answer was no, Nor have I been to any Judiciary setting in XXXX before a judge! XXXX XXXX stated my child was not in state asst, that it was my obligation to support my child, I informed him that I am and that his information was incorrect, How can a person owe two states for one child? Being up to date and current in the state where ordered to pay and past due with outstanding for nonpayment with another? Still intercepting my tax returns and shows no record, also ruining my credit and crippling my employment with two financial institutions with no investigation and mindset " that I'm a XXXX Dad '', when I owe that State Nothing! What the two states have going is their deal but my end of it is confirmed current? My exwife has claimed my child since birth on her Taxes ( 15 yrs ) and was nonexistent for 12yrs, yes I turned her in to the IRS, but never paid for nothing and was shocked if he got a game for a birthday!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge off on my report affecting my credit. It is under SYNCB/MC. I contacted the number listed and they told me they sold off the debt to a third party last year. However, they are still verifying the account as accurate with the credit bureaus. I was never contracted with The third party nor do I recall opening an account with the creditor. I tried to dispute with TransUnion who advised I contact XXXX XXXX. To my understanding, there is a law protecting me from this as I was never contracted with the third party they sold the debt to.
Product: Prepaid card

Logged into check my balance on my prepaid card. There was an ad on website. Ad says save time with online bill payments. I made a bill payment of {$2.00}. 
A few days later, my creditor notified me that the payment had been returned. I called your office to notify you that if I was charged by my creditor, I would ask for reimbursement. Today my creditor posted a return payment fee of {$29.00}. Please provide reimbursement of {$29.00}. Thank you for your assistance!
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 or other personal consumer reports

XXXX investigated and found certain accounts on my report needed to come off of all of my reports. However, XXXX and Experian have yet to comply with these findings and it is damaging my report, not allowing me to obtain housing and transportation. According to the FCRA, if XXXX credit bureau removes a negative account after an investigation, all three bureaus have to remove said account.
Product: Debt collection

I have communicated to this company several times not to contact me at work and they continue to do so. This is creating a problem at my work. They have also repeatedly called me on the weekends and after XXXX XXXX on weekdays. My work number is XXXX and my cell number is XXXX. 

the company information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you XXXX XXXX
Product: Mortgage

OCWEN CAUSED OUR FORECLOSURE TODAY, BY FAILING TO PROCESS THE XXXX MODIFICATION WITH XXXX BANK IN XXXX NO. XXXX. WE DIS N'T GET ANY CLAIM FORMS FOR THE OCWEN NATIONAL SERVICING SETTLEMENT.
Product: Credit reporting or other personal consumer reports

THE 3 BUREAUS ALLOWED 205 INQUIIRES WHILE HAVING A FRAUD ALERT ON ACCOUNT. THE PERSON TRIED TO OBTAIN A CAR AND NOBODY NOTIFIED ME OF THESE INQUIRIES
Product: Mortgage

Freedom Mortgage Corporation changed the physical address for my property ( without my consent ) to an invalid address. This is now the third time Freedom Mortgage has erroneously changed our home address. This problem occurred in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. The CORRECT address ( mailing and legal / physical ) is XXXX XXXX XXXX, XXXX XXXX CO XXXX. Freedom Mortgage has been provided a letter from the XXXX XXXX CO address manager confirming the correct address and still refuses to take permanent corrective action ( s ). Most recently I've spoken with " XXXX '' ( employee XXXX ) at XXXX who confirmed Freedom Mortgage has the address validation letter from our County. I want Freedom Mortgage to ( 1 ) FIX this problem and ( 2 ) explain to me what steps are being taken to ensure this will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX XXXX requires them to respond within 30 days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Debt collection

Constant daily robot calls from the CBE group with no person on the other end, just a recording. Calls come morning and night XXXX to XXXX times daily.
Product: Debt collection

This company.J J Marshall & Associates did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, and their affiliate XXXX have reported multiple times the same debt to credit agencies. I have tried to contact them and they only have a phone bot so I am unable to get anywhere with them as I don't have an account number.j Transunion has allowed XXXX to report this same debt multiple times and I contacted them to find out why they allow this. I ended up with a customer service agent outside of the XXXX and communication was a problem. He did not understand my complaint, read prepared comments that did not apply to my complaint and would not let me speak with a supervisor or manager.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by Scammers which involved me making deposits for a total of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Debt collection

As of XX/XX/2021. This company has reported me to various credit bureaus for a collection that I have no knowledge of. In the amount of {$1000.00}. I have sent this company several letters disputing that this debt does not belong to me. As well as requesting that they provide me prove of my opening such an account.Including my signature.They have not yet provided me with this information. Which has been past 30days. I would appreciate your assistance in this matter
Product: Checking or savings account

On XX/XX/XXXX I had a contractor by the name of XXXX XXXX met with me at my house for the second time concerning some work needed to be done to an XXXX XXXX a house that I owned. I asked for an estimate and work details based on our conversation of XXXXupon meeting with him on XX/XX/XXXX after going over the document I noticed some issues which I wanted to address further but as I was talking to him the door bell rung and I want to get the door. Upon returning he informed me that the stuffs mentioned would increase his labor cost since we could come to an agreement I stopped with signing of the agreement thus ended my conversation with XXXX. The next morning at about XXXX upon checking my bank account I noticed a check I had written based on the initial payment agreement that was not handed to XXXX was missing from my check book. I reached out to Chase Bank and informed them of the situation. I was told the check was cashed so I entered a claim. A week later upon checking on my claim I was told I would not be reimbursed although my check was stole by the contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a Fobearance on XX/XX/XXXX, was looking sell my house and purchase a new build ranch style home because I am disabled. On XX/XX/XXXX had credit report ran by XXXX XXXX XXXX  who notified me of this I have been disputing this and Im getting no where and records show two different for race date Im being run around in circle, Im being told lies on when to call back and this has really damaged my credit I can even do anything which what has happen. They set up an auto pay without my consent and I had be paying during forbearance to get caught only to be this I was overpaying during this forbearance. 
Please help I alone in this, do I need an attorney?
Product: Credit reporting or other personal consumer reports

XXXX XXXX,, SS # XXXX birthday XX/XX/XXXX This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 consist of a auto loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXX # ( XXXX ) and XXXX XXXX XXXX XXXX started XX/XX/XXXX act # XXXX and Hard inquiries such as XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report .I 've included a list of the hard inquiries as well as copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. 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 results of identity theft and fraud.
Product: Credit card

I lost my job during the Great Recession and stopped making payments on my credit cards so that I could continue paying my mortgage. XXXX of my credit cards was with Bank of America. I stopped making payments in XXXX, and in XXXX B of A charged off the debt. In XXXX, I received a XXXX form from B of A showing the charge-off amount with interest and fees. I filed the XXXX with my XXXX federal tax return, claiming the charge-off as income. In XXXX XXXX ( which is 6 years and 11 months from the date of my last payment ), B of A changed the status of this charged off account to active/due, and added interest and fees to the debt ( XXXX more years ' worth, presumably representing interest from XXXX to XXXX ). I called BofA XXXX XXXX. and explained that the debt was charged off and I received a XXXX in XXXX, and thus the account is no longer active but should reflect a charge-off and zero balance due. The agent told me that they can still legally collect on this debt because they never received a payment from me, and that I should speak to a tax professional regarding the fact that I already declared it as income in XXXX. I contacted a credit repair bureau and they told me this is untrue and that I should call back and speak to a manager. I need help. How many Great Recession consumers experienced this, and how many previously charged-off debts is BofA reinstating as active & due suddenly, right at the time when these items should be falling off our credit reports via the " 7 year '' rule?
Product: Credit reporting or other personal consumer reports

Account # XXXX Name : XXXXXXXX XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX Date Opened : XX/XX/2023 Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXXXXXX XXXX XXXX Credit Inquiry Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX XXXX  Date XXXX XXXX XXXX Resolution : Delete from credit report Account # XXXX Name : XXXX Financial Date XXXX Credit Inquiry Resolution : Delete from credit report These accounts were added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. Please delete these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy listed on my credit report that is not mine, I have documentation from the courts to prove it.
Product: Credit reporting or other personal consumer reports

I want to correct my information, I have the right to add a statement if a dispute is unresolved, and the right to damages if the creditor violates the FCRA. By understanding and exercising these rights, I am protecting my creditworthiness and ensuring my credit report accurately reflects my financial history, which is essential for maintaining my financial health and stability.