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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ACCT # XXXX, XXXX XXXXACCT # XXXX, XXXX ACCT # XXXX ) are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX, XXXX XXXX, XXXX ) the financial institutions and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX, ( XXXX, XXXX XXXX, XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX, XXXX XXXX, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) Further states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Company is stating amount is {$12000.00}. This debt is over 10 years old.The account has been re-aged and I would like it removed. They re-aged account to 2021 which is false.I ask the company to validate debt and they have not done so.
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report specifically with TransUnion that are being reported without my permission. I have made multiple requests, and TransUnion has not deleted/removed these accounts. The details are as follows : Under XXXX XXXX Code XXXX ( b ) XXXX XXXX Code XXXX ( XXXX ) XXXX U.S.C. XXXX XXXX XXXX. XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$11000.00} For the past seven months, I have asked for proof of verification along with the original contract with my signature that validates these accounts, as required by law. Neither TransUnion nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request TransUnion to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have an erroneous collection that should be REMOVED. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to then best of their ability with MAXIMUM ACCURACY. This account is not on XXXX but is on XXXX and Equifax with information that doesnt even MATCH. Please investigate and provide proof with statements showing that these accounts are accurate. If proof cant be provided I demand this account be DELETED COMPLETELY from my credit report. Thanks.
Product: Credit reporting

Trans Union is not responding to my requests to investigate and remove accounts from my credit file that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that 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 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that isUNKNOWN to me : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DUE TO A DATA BREACH AT XXXX XXXX, MY INFORMATION WAS USED TO ATTEMPT TO OPEN A CREDIT CARD AT CAPITAL ONE IN XX/XX/year>. CAPITAL ONE SENT ME AN EMAIL STATING THEY WERE UNABLE TO OPEN THE ACCOUNT DUE TO MISSING INFORMATION. I WAS UNABLE TO REVIEW THE " WHY '' OR WHAT WAS BEHIND THE EMAIL BUT I CONFIRMED THIS WAS FRAUDULENT ACTIVITY. 

HOWEVER, I DISCOVERED THE INQUIRY WAS STILL REPORTED TO THE CREDIT BUREAUS. I SPOKE WITH CAPITAL ONE IN XX/XX/year> AND THOUGHT THEY WERE REMOVING THE INQUIRY, BUT AS IT TURNS OUT THEY DID NOT. I CALLED AGAIN AND NOW CAPITAL ONE IS REQUIRING ME TO SEND A COPY OF EVERYTHING VIA SNAIL MAIL TO DISPUTE THE INQUIRY SO THEY CAN HAVE IT REMOVED. THIS IS UNBELIEVABLE. IT IS THEIR MISTAKE ( NOT MINE ) - I DID NOT REQUEST A CREIDT CARD FROM THEM, AND IT NEVER EVEN WAS OPENED. THEY VERBALLY TOLD ME THEY WOULD FIX IT, AND NOW ARE REQUIRING EXTRA WORK FOR ME TO SEND THEM A LETTER VIA XXXX TO REQUEST THEM TO FIX IT. WHAT ERA ARE WE LIVING IN? TO TOP IT OFF, THEY STARTED ENDING MY EMAILS ON HOW TO IMPROVE MY XXXX XXXX USING THEIR PAID FOR SERVICE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account } was never late it was updated to paid on time last month now this month it went back to showing late!
Product: Vehicle loan or lease

XXXXm struggling to pay for the car along with insurance. I have a child I have to care for, and Im on XXXX and also trying to get myself out of debt. Paying this car off has been a burden. I just want it gone and a new start at life. Im also currently going through a divorce, and I dont have much money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have multiple family members with the same name who are using my information. There has been several cards and accounts that have fallen behind that doesnt belong to me. 

XXXX XXXX XXXX XXXX XXXX  I have never used this card or applied. 

XXXX- does not belong to me. I have never attended school. Someone opened a student account XXXX XXXX. No knowledge of this account
Product: Credit reporting or other personal consumer reports

RE : XXXX BANK NA XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts { LIST ACCOUNTS HERE } pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) 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 XXXX 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. ( 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. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

On XXXX XXXX I settled the account in the amount of {$720.00} to XXXX XXXX XXXX  with XXXX XXXX XXXX for the amount of {$470.00}. XXXX XXXX  showed my account as settled on my credit report then Phoenix Financial wound up with the account, posting it for collections on the same day I settled this account. I disputed this collection and it was not removed from my report stating the account is valid. I have documentation from XXXX XXXX XXXX stating this account is settled and has a {$0.00} balance as well as the bank transaction showing the money paid out to them. I would like this corrected ASAP on my credit reports. Thank you in advance for your help.
Product: Debt collection

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This is causing me to fall behind on my home buying process which is why I have been trying to get this resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the FCRA. I filed a dispute with Equifax about the closed XXXX XXXX XXXX account being incorrectly reported as a current charge-off. Payment status is supposed to reflect the current status of the account. Not only did they fail to correct the false information but Equifax is now committing FRAUD since they changed the current status of the account which was PAID OFF ALMOST 3 YEARS AGO to start reporting as A CURRENT CHARGE OFF as of XX/XX/2019 ( THIS YEAR )!!! It is not a currently delinquent account. It is a paid account and has been for several years now.
Product: Credit card or prepaid card

Regarding  a Citibank Aadvantage Master Card  I have moved overseas and no longer  have a US  phone number. I called in  XXXX  to try to close the account. I have had the account for 2 years.  <P/> I failed the security question which was the bank account number used to pay the last amount due. This is because I am overseas and my father paid the last amount due.  <P/> 
Citibank then asked to call me to confirm who I was for security purposes. I gave them my overseas phone number. They never called it. When I called back they said that they had no ability to call an overseas number. I was very frustrated at learning this as I am spending a ton of money calling them from overseas to try to ca  ncel the card!  <P/> I was then blocked from my online account because of a security problem with my account.  <P/> I called again because in  XXXX  they increased my credit limit! Still I am unable to cancel the card or the account.  <P/> I have begged them to give me someone to write to or call to cancel the account but they are unable to help me. I once asked for a supervisor and they put me on hold for ov er 20 minutes. Because I am calling them from overseas on my dime I had to hang up as the costs of the call were mounting!   <P/> What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking repeatedly for my information to be updated on my credit report with XXXX, XXXX, and Transunion. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from XXXX, XXXX, and Transunion and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

KeyBank Na In the year of XXXX in XXXX I began having hardship from the Pandemic. I reached out to my longstanding bank for assistance, they gave me ( 3 ) months to XX/XX/XXXX then to further discuss the circumstances after that time. Interest and fees continued to accrue, but they misreported all the information to the credit bureaus creating negative remarks and status on my files, I notified them to correct immediately, both the credit bureaus along with the bank itself, but to no avail no one assisted to fix the situation then in XXXX I continued to call the bank on numerous occasions asking for an agreement on terms an interest and removal of certain fees they also attached to my account, they still did not respond to my request, time over time month over month I was treated unfairly, they broke FCRA, Fair Lending Laws, FDCPA Laws misreporting my status, disrespectful, ignorance and lack of care, knowledge to fix the issues. I have records of dates and times of me calling them, they just did not care, I continued to pursue the validity of the debt, noting I should have not been charged all of that additional interest due to their lack of corporate inability to make a decision and conclude the agreement .Now months later nothing matches, my account info, credit file info, dates, payments, I have asked several times over the past month for more accuracy of reporting and a statement for corrected balances and terms, never received, now I have asked to CLOSE THE ACCOUNT AT CONSUMER REQUEST ON MY CREDIT FILES .they won't even fix that for me. I have verbally opened a case with the CFPB and now would like to make an open formal investigation .Notably I do not know how many others they are doing this to, especially during the time of a Pandemic, but they need to be stopped and held accountable for their performance to the customers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This is my official statement about the crime. The following inquiries are a result of identity theft 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 I have already contacted each company listed as an inquiry and they were not able to verify the validity of the inquiry or did not have any record of the inquiry. Therefore, there is no way these inquires are 100 % accurate. They are the result of identity theft and fraud. I am immediately and permanently deleting these inquiries from my credit report and file with Equifax Information Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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

I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from Better Mortgage aka Better.com stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from Better.com asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that Better Mortgage Corporation accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from better.com stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of Better.com responded to complaint saying that my credit score was below XXXX which was not true. I asked her how did Better.com get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because Better.com pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. Better.com had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for XXXX  and they were higher than what Better.com was reporting. XXXX XXXX was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the Better.com system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after Better.com denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.