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

I have been trying to get a collection account removed from my report. I have filed 2 different disputes with Equifax for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and Equifax REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 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 delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

I have attempted many times over the past year to correct false information, inaccurate negative reporting, fraudulent reporting, on my credit reports to no avail. The credit agencies Management have failed to honor their agreements in written and via telephone, to remove the fraudulent accounts and reporting.

Per the federal law, the company has exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). However, the investigations are not being completed whatsoever and the credit reporting agencies are using secondary agencies instead of the furnishers of the accounts.

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails 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 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. 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. 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In general. ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.
Product: Credit reporting or other personal consumer reports

I was a victim of a Equifax data breach. My information was compromised. Delete all negative information, names and addresses that do not match my drivers license from my credit report immediately.
Product: Checking or savings account

XXXX XXXX XXXX has charged my card every year {$25.00} without my knowledge. I agreed to pay one year, many, many years ago. They recently charged {$25.00} which is the first time I realized this was charged to my account without my knowledge. My husband called and they said they will refund the most recent annual charge. They told my husband that theyve charged our card every year. We had no knowledge of this. This happened to my elderly mother as well and she has never agreed to the charge either. Seems to be illegal or theyre running some sort of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Sunrise Credit Service is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Sunrise Credit Service was informed THE FOLLOWING account information being FURNISHED to Sunrise Credit Service and reported by Sunrise Credit Service is in fact inaccurate and they continue to report. Sunrise Credit Service is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts collection.In addition, Sunrise Credit Service was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Pennsylvania. There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. ( Collection and XX/XX/2024
Product: Credit reporting or other personal consumer reports

this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. 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 XXXXXX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting a fraud account on my credit report for XXXX
Product: Checking or savings account

I am attempting to determine why Chase Bank placed a 14-calendar day hold on a remote deposit check in the amount of {$220.00}. The check cleared through the ACH network the same night the remote deposit was made. Chase indicates they are doing this to ensure the availability of funds and when I asked a rep I was told " because we can '' as the reason with no further explanation.
Product: Debt collection

After moving out of the XXXX XXXXXXXX XXXX the leasing office issued me a move-out charge of {$520.00}. I paid this balance in full by personally delivering a check to their leasing office on XX/XX/year>, well before the due date. My bank account confirmed that the check was cashed by the apartment company. 
Despite this, I later received a call from a collection agency, IQ Data International, requesting payment. Concerned, I immediately contacted the apartment company via email to address the issue. They acknowledged receiving my payment and assured me that they had informed the collection agency, so I did not need to worry about the collection. 
However, in XXXX, I discovered a derogatory remark on my credit report related to this collection account. When I disputed it, I was informed that the collection agency deemed the collection valid, and the account remains open. This has significantly impacted my credit score. 
I kindly request your assistance in resolving this issue with the collection agency and the credit bureaus to correct this error. Thank you for your help.
Product: Mortgage

My house sale closed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me the balance in my escrow account. USAA XXXX was the insurer of the house and a new policy was to take effect on XX/XX/XXXX. 
Because the house sold on XX/XX/XXXX, USAA closed the policy. They sent me this message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The pro-rated refund of {$550.00} has not been sent to XXXX XXXX yet. The policy cancellation was not keyed until XX/XX/XXXX, and was backdated with a cancellation date of XX/XX/XXXX. The refund to XXXX XXXX will be processed within the next two weeks. 

We value your business and the opportunity to serve all your financial needs. 

Thank you, XXXX XXXX USAA -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Why would USAA hold XXXX the {$550.00} & then send it 2 weeks later to XXXX XXXX? XXXX XXXX XX/XX/XXXX : I checked the XXXX XXXX acct -- NO {$550.00} had been received ). It makes NO sense for USAA to send the check to XXXX XXXX - I am NO Longer a customer thre & my mortgage was paid OFF.
Product: Debt collection

I paid XXXX XXXX XXXX a Settlement amount on XX/XX/19 yet they wont contact XXXX that its paid and its still on my credit report Transworld System inc also is on my credit report for XXXX I sent them a copy showing them that I paid it Why cant I get this off Also XXXX Still says I owe them??
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}. Inquiries : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has my account frozen and in dispute for 4 months. I can't get a response. I'm on hold until they obey the law.
Product: Debt collection

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX Please removeXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I was a victim of the XXXX data breach, publicly acknowledged by XXXX in XX/XX/year>, which exposed the sensitive personal and financial information of millions of individuals, including mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$230.00} for this account. XXXX XXXX XXXX were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the XXXX year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then XXXX continued to report charge off on my credit report, which affect my XXXX ( date of last activity ) & is continuously been extended I've attached copy of this account as its being reported from your bureau. 

Last XXXX of XXXX RE : XXXX I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The XXXX says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within XXXX days or delete the trade-lines
Product: Credit reporting or other personal consumer reports

I just received an alert today from credit reporting companies that I have a late payment from Affirm. I have not used affirm and accounts from them are not mine. I tried reaching out to their customer service but they have not been responding to my inquiries.
Product: Credit reporting or other personal consumer reports

I wish to formally lodge a complaint against the Lane Bryant credit card company, also known as Commodity. Last year, I utilized their automated payment system to settle my bill. Despite having sufficient funds in my checking account, the payment was not accepted. Consequently, this situation led to a 30-day late payment notation on my credit report, significantly impacting my credit score. I am now seeking to address this issue by filing a grievance with the company. My objective is to request the removal of the negative entry or, alternatively, pursue legal action with the assistance of an attorney. 

In a recent occurrence in XXXX, I faced a similar situation when I made a payment through the automated system. Despite providing accurate information and ensuring an ample balance in my account, the payment was returned. I am inclined to believe that there are flaws in their system that require rectification. The automated payment system appears to have numerous errors, resulting in customers experiencing adverse effects on their credit standing. 

Recognizing the paramount importance of maintaining a positive credit history, I am committed to taking the necessary steps to rectify this situation. My primary aim in filing this grievance is to have the negative information expunged from my credit report. Additionally, I urge the company to conduct a thorough review and update their automated payment system to prevent similar issues from affecting other customers in the future.
Product: Credit reporting or other personal consumer reports

In XXXX  during the COVID-19 pandemic, my vehicles financing department always threatened to repossess my vehicle during that difficult time. I filed bankruptcy thinking that would be the solution to not getting my car repossessed. Unfortunately the lawyers could not proceed with anything and the car was still repossessed. Bankruptcy was still placed on my credit report showing a {$0.00} balance. Basically, the XXXX  XXXX bankruptcy was filed in error and does not belong on my report. I would like for the bankruptcy to be removed.
Product: Mortgage

I received a mortgage from Primary Mortgage Residential, Inc sometime in XX/XX/2015. I made my first mortgage payment a couple of weeks latter which was not due until XX/XX/XXXX. They never applied the payment to my account. I noticed this 1 month after making the payment and asked them what happened and they said it will be applied. They sold the mortgage to XXXX XXXX and I still do not see the payment applied to my account. 

I do n't know where my money is and why it has not been applied.
Product: Debt collection

Incorrect debt collection account opened. The account was paid to XXXX and should not have been sent to a collection agency. Amount was paid to XXXX early XXXX during covid time and should not have been reported XX/XX/XXXX. I contacted the company to receive this confirmation.
Product: Checking or savings account

Experian opened a checking account without my knowledge I was also put into a credit check payments without my knowledge. Im trying to close the checking account they opened and I been unsuccessful
Product: Credit reporting, credit repair services, or other personal consumer reports

found these inquires on my credit report i did not authorize 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX
Product: Mortgage

In response to the XXXX XXXX XXXX XXXX who has the XXXX of XXXX I have attorneys in place and look to gather further XXXX  letters which I am getting from Bayview for my attorneys. If you look at the image you will see that there are 2 joint tenancy 's on the property which goes to show that by law you can have more than two. Also the attached Colorado Law shows that property in joint tenancy does not have to be probated and that is all this XXXX XXXX talks about.The property transfers form one party to another I guess the lawyers that I have will explain this to the XXXX XXXX XXXX. This XXXX XXXX XXXX does not have a clue as you can see on the title of the property there is Joint Tenancy filed in XXXX, XXXX, XXXX and when you read the property title and you look at the XXXX XXXX in Colorado the property transfer and the XXXX XXXX XXXX has done no favors and the people at Bayview are going to pay with XXXX XXXX, and XXXX XXXX, and XXXX XXXX all ready lets get the XXXX XXXX XXXX to send another XXXX letter.