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

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Ussm Bus Admin XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are violating my rights by reporting a debt that I do not owe!!!! They are violating 15 usc 1692g and 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to this law XXXX XXXX XXXX is clearly creating a false impression that I owe a debt to them thats definitely not owed!!!! They are pretending to be collecting a debt on behalf of XXXX XXXX XXXX  which is not true! XXXX XXXX XXXX  has no interest in this debt, therefore by Transunion and XXXX reporting this debt they are in violation of the law according to the FCRA and FDCPA!!!! It is clear that XXXX and Transunion are in violation especially because XXXX has already removed the erroneous information from my file. They have done so because they know by reporting this unvalidated debt they would be violating the law which is punishable pursuant 15 usc 1692k in the amount of XXXX dollars per violation per day that they refuse to abide by the law!!!! XXXX and Transunion are also violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! They have both failed to do so!!!!! XXXX, XXXX XXXX XXXX, and Transunion are violating 15 usc 1692d ( 4 ). I have provided a letter from XXXX XXXX XXXX  saying that they have no ownership of this debt and have no financial interest in this debt! I have also provided my identification so that XXXX and Transunion know that I submitted this complaint. I do not owe XXXX XXXX XXXX anything and this letter proves it!!! They are committing the crime according to the FTC called debt parking!!!! Ive also provided an example of what happened to another company that was in violation of the laws mentioned above!
Product: Credit reporting or other personal consumer reports

An unauthorized hard credit inquiry was placed on my credit report on Saturday, XX/XX/2024 by Headwater Financial, LLC. I was in contact with XXXX XXXX XXXX XXXX XXXX to strictly receive information on their motorcycles and financing options. I was told that they only utilize soft inquiries, and I never signed or submitted an application or provided written or verbal consent for a hard credit pull to take place. I have a written letter and numerous email and text message conversations demonstrating from the salespersons and finance manager that they only utilize soft credit inquiries and a hard inquiry should have never transpired. I have contacted Headwater Financial, and they have been unwilling to assist me with contacting the credit bureaus to ensure that this hard inquiry gets removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX, and noticed XXXX hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX- on XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. [ XXXX XXXX XXXX Inquired on XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. [ XXXX XXXX - Inquired on XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. [ XXXX XXXX XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. [ XXXX XXXX XXXX - Inquired on XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Dear creditor, 30 days ago, I sent you a letter asking you to investigate the account listed below as I feel that your company is reporting inaccurate information. You have not responded within the allowed time frame by law, which is 30 days. Is there any reason why you have not responded? I have given you all the information that you need to investigate this matter. I'm not an expert in the law, but I do know the basics of the Fair Credit Reporting Act and the FACTA ACT. 

Account : Reason : Instruction : Report Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Current Status : Open Status Updated : XX/XX/XXXX Balance : {$0.00} Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX I am disputing the inaccurate reporting of late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX  account ( Account Number : XXXX XXXX XXXX After speaking with a representative of XXXX on a recorded line, I was assured that these late payments would be corrected to reflect an " on-time '' status, yet this inaccurate data persists on my credit report. This ongoing false reporting directly violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to credit bureaus must be accurate. It also infringes upon Metro 2 compliance standards under the Consumer Data Industry Association ( CDIA ), particularly the guidelines for accurate reporting in Account Status ( Field 17 ) and Payment Rating ( Field 17A ), which must reflect the true state of the account as verified by the creditor. Additionally, 15 U.S.C. 1692e of the FDCPA prohibits any false, misleading, or deceptive practices in debt reporting, and the representatives misrepresentation of account status correction constitutes a violation of this regulation. Furthermore, UCC 1-201 ( 37 ) and UCC 2-715 address my rights to accurate financial reporting and entitle me to seek damages for the negative impact caused by such inaccuracies. I demand immediate correction of this account, with the late payments removed and the account updated to reflect a current, on-time payment history in compliance with XXXX XXXX standards. If not resolved within 30 days, I will pursue statutory damages for the financial and emotional harm caused by this non-compliance, including a claim for damages under FDCPA and XXXX protections. 

I don't want to file any complaints against your company, but I need your company to follow the law and either fix the inaccurate reporting or complete your investigation within the next 10 days. If the investigation is not complete within 10 days, I will file complaints with the attorney general office, the FTC and the Consumer Financial Protection Bureau. 

I await your response. 

sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated to the US. XXXX XXXX XXXX account ending in XXXX according to Experian credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. Experian, XXXX XXXX XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since XXXX.
Product: Credit reporting or other personal consumer reports

I've found several billing errors on my credit report, indicating late payments inconsistent with my history. Please fix these and update my account.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company Direct Recovery Services ( directrecoveryservices.com ) calls again and again trying to collect debt from someone who previously had this phone number. I've explained this several times and asked them to remove the phone number. Sometimes they call and leave nasty messages. 
When I ask questions about who their company is they often hang up. 

They appear to have other complaints about them.
Product: Checking or savings account

I am writing to express a complaint against Navy Federal Credit Union regarding several overdraft fees I have incurred. Even though I had sufficient funds when the transactions were authorized, I was still charged fees due to delayed posting of charges and credits. This issue is consistent with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I opened an estate account with Chase Bank in XXXX, XXXX. On XX/XX/21, I was informed that the account was restricted due to an account name issue. I went to the XXXX, XXXX location and resigned all the paperwork, understanding the account was corrected. I was notified 4-5 days later that it was not corrected, that they needed a copy of my marriage license ( from 16 yrs ago ) to prove that my legal last name that is on my identification is really my name. I called 3x to ensure that all was ok, and proceeded with writing checks to handle estate expenses. I spoke with someone in Chase 's back-office who said that the checks would clear, yet they bounced. Then, I was told by my contact at the XXXX branch in XXXX that I needed to go back to a Chase Branch location ( now in XXXX, XXXX since I was no longer in XXXX  and had returned home ), and re-sign all the bank paperwork again. I was informed at the branch by my contact on XXXX XXXX in XXXX that my account was locked and I should " wait a few days '' because I couldn't re-sign any paperwork. After multiple calls to the " back office '' and between the XXXX contact and the XXXX  contact, I was told to come back to the Chase Bank branch in XXXX, XXXX  to re-sign the paperwork again, and that I needed to wait to hear if the account was fixed. The next day, I received a call saying they couldn't reconcile my last name with the paperwork that is part of the estate and prove that I am the same person ( although I have all the identification to prove I am ) and that they would be canceling my account. At that point, I informed my representative that it was physically impossible to resurrect my dead XXXX to verify my name, even though I have all the legal documentation to do so. It has been nearly a week now and no one can tell me where my roughly $ XXXX is from this account, and when I log into the Chase Bank portal, my account and my money are gone. I am consistently reaching out to the bank, and conveniently get hung up on when my calls are routed to the Chase " back office. '' I put that terminology in quotes because I've heard it multiple times from my in-person advisors at the branch locations of Chase Bank. In the end, this also changed my mind about moving ~ $ XXXX $ XXXX in long-term investments to Chase Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to MACYS/CBNA for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting

I sent a letter to Credit Bureau certified in XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from Equifax and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my credit pulled ASAP for an application with my bank. 

I attempted to unfreeze my credit XXXX online XXXX by an automated phone call and XXXX by speaking with a representative. 

The representative told me I was unable to do so currently and would not provide me with a timeframe in which I could do so. I paid a service fee to freeze my credit in the first place and am also willing to pay the service fee to unfreeze it, but I would like to be provided with the ability to do so urgently so that my application can be processed. 

Furthermore, when I inquired if they could provide me further information or contact me when I would be able to, the representative on the phone hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started sending disputes to the three credit bureaus for incorrect negative information on my credit reports. I have not received any type of communication back from the credit bureaus. It is going on day 65 and still no response. I have sent two separate disputes with no answer back. I sent the first round on XX/XX/2021 and the second round of disputes on XX/XX/2021 but still no response.
Product: Mortgage

I took out a home loan for {$310000.00} in XXXX. I have received documents from XXXX XXXX XXXX XXXX XXXX in California apparently representing XXXX XXXX XXXX as a Trusee for an XXXX Master Participation Trust that look fraudulent and they have blacked out all the loans numbers which lead me to believe they are fraudulent. They claim the loan is now serviced by Caliber Home Loans but I have still not received an accurate payment history. I wrote the Attorneys the following letter and they have yet to reply. Hello XXXX, My name is XXXX XXXX and I filed a Chapter XXXX BK to protect my home on XXXX XXXX, XXXX, and an automatic stay is pending since it that date. The group of companies you represent filed a Notice of Default ( NOD ) three days later on XXXX XXXX, XXXX. I spoke with them and they said it was an error, that they were sorry, and that they would correct it immediately. It has still not been corrected and expunged from Title as agreed. Also, many of the documents you have filed in the BK are fraudulent, and the Loan Numbers have all been blacked out? I would like to know why? Also, your running totals are totally and absolutely wrong and I have requested a running total balance of payments accounting since the loan was originated in XXXX and am still waiting for it. I would also like to confirm with you that you are debt collectors attempting to collect a debt and therefore subject to the FDCPA. I attach these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I Disputed a XXXX XXXX  account with Experian and XXXX regarding it not belonging to me. I received a generic response from XXXX saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point XXXX and Experian continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either XXXX nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by XXXX nor XXXX XXXX, it is a fact. XXXX is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.
Product: Debt collection

I requested proof of ownership several times via certified mail. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again on XX/XX/2018. I have disputed this account with the collection company and all three credit reporting agencies. I have requested proof of ownership and have received no proof just different offers to settle the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the account below, my rights were violated : XXXX XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

Since XX/XX/2021, I have been requesting that Aargon Agency halt the collection of this debt and in return of further investigation, remove this account from my credit report. They have continuously reporting this account to the national credit bureaus even though its housing inaccurate and inconsistent information. 

Upon pulling my credit file and seeing this account that I had no knowledge of, I disputed it and it came back " verified. '' I reached out to this company to ask for more information and a detailed investigation into this account. Aargon Agency decided to not respect any of my requests. Instead, I was sent a bill statement that housed by name but an address not familiar to me and dates that directly conflict with times I was living elsewhere. Because, of these inconsistencies and inaccurate information I asked Aargon Agency to dissolve this account and request deletion of this account from my consumer report. They have chosen not to comply with federal and state law. 

I have reached at least once a month since XX/XX/2021 and Aargon Agency has countlessly stated that this account is verified. Although, I have requested the written agreement between Aargon Agency and I, the company they claim they're collecting for or this address of service. I've asked for clarification of the amount as it's inconsistent with the reporting amount on my credit file and I've also shown their inconsistent information with a rental agreement different from the dates of service they claim I owe for. This is not my account and it is being treated as such. I do not claim ownership and have told Aargon Agency this to no respect of the consumer, they've made no effort to truly investigate this, look at the facts and oblige to my requests. 

Aside from false reporting, this account has also been closed and opened ( not removed ) on my consumer reports, this deceptive practice is causing a detriment to my score. In addition, Aargon Agency has also harassed me via phone over 20+ times from XXXX ( most importantly calling before legal debt collection time ). These are clear violations of the FDCPA and FCRA.