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

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX, Transunion, 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. '' ( Furnisher of information to credit agencies ) is a financial institution 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. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.
Product: Mortgage

Last Tuesday we recieved a call from a collections agent for Seterus. The representative was talking to my wife about letters we recieved that our account has fallen into foreclosure. We have been able to get our mortgage to just 30 days behind and have incurred and will pay huge penalties. In XXXX and XXXX will could not make the payment until the XXXX as the company I was working for had an internal hostile take over and commissions were frozen. This put us 45 days and right away we receive letters of impending foreclosure. This happened to us before and we had to borrow XXXX from my wife 's brother. As before the amount we owe includes hefty penalties. The reason for our struggle was a XXXX business that I owned and manage in 2016 was losing money. I was unable to take a check while we were trying to sell the business It would be worthless if the business was closed. In XXXX we forced to close the doors but found somebody to pay us just enough to pay down debt. I now have a stable job and we will make our payment Monday unless they tell us it wo n't make a difference as they will continue to move on the foreclosure. The person who called my wife talked to her as if she was a 5 year old. She told us to cut the off our cable like she had to do in the past. Very unprofessional and an example of how these debt collectors act. The last time the person told us to cut out our cell phones. Please help as you did in the past for me. If we pay Monday we are 30 days behind. All they want to do is force us to pay them there outrageous fees.
Product: Payday loan, title loan, or personal loan

My payment were set up for about XXXX every two weeks. I was in a bind and could only afford XXXX a month. The company reluctantly accepted the XXXX a month. XXXX i wasnt able to pay anything. The account is almost in default. Charges are XXXX. The harassing phone calls began. I asked them to stop and they have not. Calls are made 4 times a day everyday every week. On XXXX i again asked to stop. They said i was getting smart with them. Then stated calls would n't stop until that payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.
Product: Credit reporting or other personal consumer reports

This organization is in violation of 15 USC 1692 Subchapter V. Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. This organization is in violation of Furnishing certain deceptive forms. 15 USC 1692 ( j ) 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. The false representation or implication that documents are legal process. I also requested that all non-mailable addresses be removed due to the fact that I'm unable to receive mail there. TransUnion is in violation of Privacy Act of 1974. Requested to have all charge-offs removed from account. A charge off is considered a certificate of indebtness which is factored to be considered income and must be removed. Law states it is illegal to report transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unauthorized hard inquiry conducted by the below agency : Institution Information : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I do not know who this agency is, nor did I authorize an credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Dueto the covid-19 forbearance program regulations it states that no late payments are to be reported the financial credit bureau during the time of covers forbearance period XXXX Account XXXX : XXXX This is violation of my rights. please update to never late XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open 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. In the event that Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I opened my US Bank checking account on XX/XX/23 using US Bank 's checking account bonus promo code ( XXXX ). The promotion stated that when you have made direct deposits totaling {$6000.00} or more within 90 days of opening the account, the account holder will receive a {$400.00} checking account bonus. I met the requirements by XX/XX/23, but as of XX/XX/23, I have not yet received the checking account bonus. 

I called the US Bank customer service representative today who said that she was unfamiliar with a checking account bonus and proceeded to transfer me to a closed department. This experience has left me feeling frustrated and concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is in clear violation of this section of the law 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX and XXXX XXXX Report on ( XX/XX/2022 ) without providing a copy requested of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines while violating 1681g ( a ) ( 5 ). It has been more than 60 days since Ally Financial has been notified of their violation and they refuse to delete the unauthorized inquire or provide me a copy of my written authorization to pull these reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureau on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAIN, and I'm including it again XXXX XXXX BANK XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX {$0.00} ; XXXX BANK XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to unfreeze my Equifax credit report, or access my online account. This has prevented me from opening a new cell service account for over a month. 

Equifax.com provides no way to reset a password, or to " chat '' about the issue on line. 
When calling any of the Equifax customer service numbers, a robocalls-voice asks a series of irrelevant security questions, then says " we are unable to connect you at this time ''. THERE IS ABSOLUTELY NO WAY TO REACH A HUMAN BEING AT EQUIFAX " CUSTOMER SERVICE '' TO RESOLVE THESE ISSUES. 

As I had to do a a few years ago, I sent a letter to Equifax requesting they " unfreeze '' my credit report, and also provide a way to reset access my online account. My certified letter with the required documentation was sent XX/XX/20, and ( per USPS tracking ) received by Equifax on XX/XX/20. Yet I have not received a response from Equifax. ( My husband 's request via mail was more successful, although Equifax did not provide info on how he could access his login on line, and he is unable to get through on their " customer service '' telephone. ) This company has control over my rights as a consumer, however, it is completely unresponsive to consumer customer service needs. 

Per consumer complaints with the XXXX XXXX XXXX XXXX, Equifax has a score of 1 our of 5 -- -with 1 being the lowest.
Product: Credit reporting

I 'm filing this complaint because Experian Has ignored my request to provide me with documentation that their company has on file that were used to verify the accounts I disputed. Under section 611 ( 5 ) ( A ) under the FCRA, they are required to promptly deleteall info that can not be verified. Please resolve this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 TransUnion Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

The collection went to Absolute Resolutions. Since the beginning of the year Ive been harassed with phone calls and they sent someone to try to serve me and weve repeatedly told him to stop and get off our property. He came weekly for a little while until around spring time. Now hes been back multiple times. When we got a camera doorbell he showed up again and was a little nicer than he was before but still we told him to get off our property. Now the company is sending police who are coming really early in the morning. One morning they came at XXXX in the morning, according to our camera. Weve asked repeatedly for it to stop and it just gets worse.
Product: Credit reporting or other personal consumer reports

I recently atttempted to open an account with XXXX and was informed that I had a negative remark on my early warning services report for fraud. 

I reached out to early warning services and received a copy of my report and it did in fact reflect fraudulent bank activity. 

I have never commmited fraud nor doe I owe any balances to any banking institutions. 

This is a defamation of character and slander on behalf of Early warning.
Product: Credit reporting or other personal consumer reports

Please remove the negative remarks at my account, I'll settle all the fee with this matter, I kindly ask for your considirations
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have notified Equifax that there are several inquiries on my credit report with them that do n't belong to me. The first asked that I contact companies directly which did and never received any responses. Just recently as XX/XX/XXXX I reached out to Equifax again and was told the information was factual but they are refusing to show me proof that I have applied for credit with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts that do not belong to me reporting on my credit please have removed
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 XXXX XXXX XXXX. 


Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Debt collection

I Recently had a collection account show up on my credit report from Monterey collection agency. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called XXXX that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.
Product: Credit reporting or other personal consumer reports

Reporting my name as XXXX XXXX
Product: Mortgage

To whom it may concern : My husband and I ( XXXX XXXX and XXXX XXXX ) are sending a written complaint regarding the bank JPMorgan Chase Bank located XXXX, NJ for the following reasons : When we started with the process of our house loan a representative by the name of XXXX XXXX in XXXX/XXXX/2013 began to assist us. However, for some reason he stopped working at this bank and our entire process was delayed and we were informed that a new representative would be following up with us by the name of XXXX XXXX. However, XXXX never followed up with our case and no one from the bank contacted us regarding our status in the process. I then started to make the calls on my own to find out how the status of our loan was taking progress. This negligence of irresponsible representatives that were assisting us caused a delayed in the closing of our first home. Due to these inconvenences the closing of the house was finally done XXXX XXXX, 2013 when it could have been processed earlier. I would like for you to consider all these neglectfulness by this particular bank and reconsider that as I client of JPMorgan Chase Bank we should have met the criteria to change MIP premium requirements of FHA loans that took effect for those who had a case number assignment date before XXXX XXXX, 2013. I have attached documentation that proves that our process had began by XXXX/XXXX/2013. Please I would appreciate if you reviewed this information and assist me in the best possible way so that we can qualify for the resolutions that applied before XXXX XXXX, 2013. 





Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX stWest New York, NJ XXXX # : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to conduct a thorough investigation of my disputes regarding inaccuracies in my credit report. Despite submitting supporting documentation, Equifax repeatedly responds within 24 hours stating that the account is accurate, without providing any evidence of a proper review.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in a recent Consumer Financial Protection Bureau ( CFPB ) administrative proceeding.

I request a thorough investigation into this matter and appropriate corrective action.

Let me know if youd like any further adjustments!
Product: Debt collection

Unsolicited credit card was sent to me in XX/XX/XXXX from Citibank with my name on it. I called Citibank and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit  score was XXXX.