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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I have not initiated any transaction with XXXX OF XXXX XXXX Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with XXXX XXXX  XXXX for XXXX XXXX XXXX. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, phone XXXX, has been sending me notification of a debt, but absolutely no details on the original account or the proof of claim. The Agency listed is the Department of Taxation. I contacted them and they said that I have no outstanding debts. I have refunds on all of my tax returns for the past ten years. If I owed anything, they would have seized my refund. 
Bloich representatives continue to call despite my request for all communication in writing. So far they have refused to send me the documentation with a copy of the original debt and the legal documents that verify Bloich 's ownership of the debt. I can not audit a debts and verify its legality based on " Principal ... .Interest ... Amount Owed. '' I sent three requests to the Ohio Attorney General 's Office and they provided no information on XXXX XXXX 's claim. I do have zombie debts from a 16 year old chapter XXXX bankruptcy.
Product: Student loan

Though profiteering is a harsh word, it is somewhat apt- the current student loan providers are set up to maximize profits for the loan companies and not for the support of the loan holders. As I am XXXX, I am attempting to participate in the XXXX program. However the barriers set up are extensive and I am coming to the conclusion I would be better off with a home equity or XXXX loan, and greatly regret the time wasted within the program, and feel truth in lending has been violated. 
Specific complaints : 1. My loan has been moved many times. Each time I ask specifically to be sure that I am making payments that qualify for teacher loan forgiveness. I have a letter from previous lenders stating I had made XXXX payments as on XXXX XXXX, and have continued to make payments that I checked would qualify, and at the time was told they would qualify. My current provider says I have made XXXX payments as of XXXX of XXXX and will not explain further, saying previous lender were wrong and I can take it up with them. I have documentation. 
2. Each time you ask or certify for an IBR selection, it puts you automatically on 20 year standard- which does not qualify for XXXX. It does not allow you to choose, or even tell you that you are on a plan that does not qualify for XXXX. It would be easy enough to program a choice, or automatically pick a payment that is shorter vs longer, or at least indicate the consequences. You must ask to be put on 10 year. If you ask at the time of IBR, it does not matter- you are put on 20 year. This creates gaps in the payments towards PLFP 3. As your income changes, your need to reapply to IBR- see above. 
4. Loan providers trade you around- and payment changes ( 20 year! ) see above. 
5. My current provider : takes XXXX 3 months to readjust your payments to a lower term that qualifies- payments that do not count towards PLFP ( $ thrown out the window ). You must make and least XXXX if not XXXX payments on the 20 year standard before it adjust to the 10 year or IBR. There is no reason for it to take this long. I 'm even convinced communications are timed to maximize payments for the loan providers. 
6. Tracking of conversations : current system is difficult to track your conversations with provider unless you take screen shots and save them or manage to establish a conversation through your email- which is not easy to do.
Product: Credit reporting or other personal consumer reports

Its accounts and loans open under my name and social that are unknown that I did not open. 

I disputed the items that are unknown, and the items are still on my credit report from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reported numerous times identity theft. Last identity theft report was closed after phone was hacked. I have had current equifax account for about 2 years. Suddenly equifax will not let me log into my account without contacting a call center in XXXX and getting a password sent to my email from them. They sent me an email saying the issue was fixed. It is not fixed and Im tired of fighting with these people over my own social security number. This is a violation of fcra and my rights to lock me out of my own credit report. The person stealing my ssn is constantly doing this to save their own behind. Im tired of it and nothing is ever done. This has been going on since around XX/XX/2022 2022
Product: Bank account or service

I opened a new joint checking account ( for wedding savings ) as part of my current relationship with Ally Bank, who I have been a customer of since 2007 ( as XXXX Savings Bank ). I deposited {$10.00} into the account, received a checkbook and debit cards which I kept in a locked filing cabinet. I initiated no further activity on the account. 
Then 2 weeks ago I noticed ( by way of XXXX ) that I had been charged XXXX {$25.00} overdraft fees into this account. When I contacted them I learned that they had rejected XXXX ACH Withdrawal attempts and charged overdraft fees for them : - XXXX - {$490.00} - XXXX - {$490.00} As I work in the XXXX, I know the ACH system well - so when I contacted them I probed them regarding where these withdrawal attempts had come from, as no one would have the routing number/account number combination for this new account. They were unable to provide me any details ( e.g. ACH TRACE, information on the originating financial ( OFDI ) ) to help understand if this was an error on Ally 's part or a legitimate data breach condition. I attempted to talk to people higher up the chain however they were even more opaque on what occurred. Given the young age of the account, I am concerned that Ally Bank was the victim of a data breach and that I am XXXX the first customers to feel the impact of the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX  XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three hard inquiries listed for XXXX XXXX. The dates are : XX/XX/2018 XX/XX/2018 XX/XX/2018 These are all inquiries for a mortgage and should only count as one inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Mortgage

I filed a complaint on XX/XX/2021 # XXXX-XXXX  and today XX/XX/2021 I recieved a response back from my Mortgage company. They DID NOT address my issues that I am having with them. Also in their response they said I owe XX/XX/2021 mortgage which was paid in XXXX and I also have paid my XX/XX/2021 mortgage. Copies of cancelled checks are attached as well as the original complain that I filed. CFPB closed the complaint so I was not able to comment that they still have not fixed their mistakes on my mortgage payments that I made. As I have sent proof of the cancelled checks. 

Please see original complaint filed as well as SN Servicing Corporations response as well as my cancelled Mortgage payment checks that are attached. 

Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Today, I noticed my credit was hit. I called up the debt collection agency, Wakefield and Associates ( phone number XXXX ) and they said that XXXX XXXX was collecting a debt for {$2900.00} for an XXXX  visit to XXXX XXXX. I called up the XXXX XXXX billing department ( phone number XXXX - XXXX ) and they looked through their billing system and could not find any bills owed. They transferred me to their physician billing department and they could not find an account with my info in their system. I called back Wakefield and Associates, this time they gave me another source of where the debt was coming from called XXXX XXXX with the account number XXXX. I did a quick XXXX  search of XXXX XXXX and there are many complaints about how a company under that name was trying to collect a debt that was not owed or already paid. I am so frustrated. We should not have any medical debt to begin with. We have been on XXXX  for the last year and should not owe a balance. This debt was specifically for my son who was born with XXXX XXXX and was covered automatically by XXXX from birth anyways. If it helps out, I have my son 's medical insurance and ID number and the phone number to his plan. It is XXXX XXXX, the phone number is XXXX, and his ID number is XXXX. My son passed away last year from this hospital visit and I am just so upset that I am being preyed on for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 ( a ) states I have a right to privacy. 

15 U.S.C 1681 604 ( a ) section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 ( c ) ( 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 1681 ( s ) -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. 

These credit reporting agencies never requested or asked for my consent to obtain and share my information which violated my privacy 15 USC 1681
Product: Bank account or service

I was trying to use my chase card at a bakery on XXXX/XXXX/15 in XXXX and discovered my charge card was declining my transactions. Chase card company texted and called me to inquire about the unusual activities they spotted on my card. I informed the chase representative that those are charges on my chase card not mine and they are unauthorized, therefore terminate my card. The chase representative then asked me, when was the last time I used the chase charge card? I explained to the chase representative that I used the chase card on XXXX/XXXX/2015 at several stores in XXXX, XXXX. I did not use my chase card in XXXX nor XXXX to purchase apparel. The chase representative stated that he will forward my disputes to the chase claim department and they will provide me refunds on the unknown charges to my chase account. The chase representative also stated that I will be receiving a new chase card in the mail. I thanked the chase representative for his assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX  Account # XXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the FCBA, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized XXXX Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX XXXX {$370.00} DATE OPEN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a credit record that continues to show on my credit report. I have disputed this record to no avail. The credit record is from XXXX XXXX / RESURGENT CAPITAL account XXXX   This firm is collecting on behalf of XXXX XXXX XXXX .

The address for the collection firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  I am not saying that I didnt enter an agreement with XXXX  but rather there was deceptive, misleading and unfair practices associated with the transaction. I was young, with children in dire need of transportation. I needed to work and keep a roof over our heads and food on the table.

Following is a synopsis of the events leading to this collection. To be honest I dont know if a title to the vehicle was ever put in my name. If you need additional or more detailed information, please let me know and it will be my pleasure to provide all the documents that I have available.

Purchased XX/XX/XXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX, PA o Mr. XXXX  was I thought a family friend.

Was told the Jeep had new transmission and new motor o Could not test drive as new motor was not installed yet.

Went down the street to his buddy at XXXX XXXX  where finance documents were prepared.

o Agreement listed vehicle and 42 inch television as collateral for the loan along with the Jeep Interest rate on vehicle loan was 23.99 % in the state of PA where law limits rate to 21 % for used auto loans. - Attached Paper tags and temporary registration provided by dealer Vehicle started giving me trouble within first few days would stall out in normal traffic Returned to dealership for repairs and to get registration / tags again provided with temporary tags.

Vehicle continued to perform subpar.

Finally contacted the states department of motor vehicles about the temporary tags requesting they provide permeant tags and was informed that the dealership was under investigation.

Dealership was closed by the state of PA for tag violations Criminal charges were filed by the state and Mr. XXXX pled guilty.

Still having problems with the Jeep could not get resolve from Mr. XXXX Brought the vehicle back to the closed dealership and contacted XXXX  where the car was located.

When debt was sold to Resurgent I tried to set up a payment plan ; sent them a payment in XX/XX/2015. Check was cashed and no communications from the collection firm was ever received.

o Try to dispute with the credit bureaus and receive notice that information is correct o When I contact the collection firm for documentation I have never received a reply from them.

o To the best of my knowledge I never placed a do not contact with the firm.

The listing on my credit report is an arduous reminder of a very difficult period in my life. I believe that I was the victim of deceptive practices and possibly usury on this transaction. I am requesting the CFPB review the documentation with the collection firm and with XXXX which is currently owned by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under this original complaint number XXXX, the company stated that they would remove all of the reporting from my credit bureaus and validate the debt. They also said they would not re-report the debt on my credit report. They have violated this and according to FCRA 611 - 15 U.S.C. 1681i, so has Experian for allowing this information to be represented on my report. I have disputed this information and intend to take legal action against them both for violating this agreement. 

*New updated complaint number XXXX