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

Late payment was reported 30 days late Greetings credit reporting agencies, I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 
Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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: Mortgage

We had a mortgage modification years ago and this past XXXX, when I went to make my next payment on XXXX is when we realized ( we have been setup for paperless billing ) that our loan would be due in full ( balloon payment ). I contacted Mr. Cooper and they told us we had no options except to pay it in full ( roughly XXXX ). At that point we reached out to XXXX XXXX and they approved us for a loan that would pay off the XXXX and other creditors. I asked on several occasions for a letter that states they extended the maturity date so that XXXX XXXX could pay it off. Mr Cooper DID NOT provide anything that I could give to XXXX XXXX so they told me they couldn't complete the mortgage process. 

When I contacted Mr Cooper again, the told me we could go directly through them which was NOT told to us originally. We started that process only to be told that since the payment was late that they now couldn't help and that I would have to submit for a hardship. We did that and provided all the documentation they requested. This process took a while and they came back telling us that it was denied. At that point, per their documentation, I submitted an appeal, and that process took long as well, only to be told that our appeal was denied due to the requirments of the investor, XXXX XXXX. 

Now that it took months to submit a hardship request, then the appeal of that decision, this mortgage started reporting it as 120 days late which is now destroying our credit and making it impossible to secure a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to Equifax on my consumer credit report that the date of first delinquency is XX/XX/2014 which is in fact a complete willful misrepresentation of the facts in a dubious attempt to keep reporting this debt on my consumer credit report beyond the 7 years which US Federal Law allows. This was intentionally orchestrated in conjunction with Equifax who had a responsibility to conduct a reasonable investigation including looking at my credit file on record to realize that the same company has reported conflicting dates previously.

The True date of first Delinquency on this account is XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 paid note to care credit and still showed late. XX/XX/2023 paid XXXX XXXX still showed late
Product: Debt collection

XX/XX/2020 certified-mailed a letter disputing owing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX, XXXX, and Experian reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law ''.
Product: Debt collection

Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a collection onto my consumer report that is canceled and should not be reported. When a debt is canceled with the IRS it is reported as income and income can not be reported onto a consumers credit report.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> - SOMEONE TRIED TO OBTAIN FINANCIAL ACCESS BY APPLYING FOR CREDIT WITH BOTH ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDENTLY IN WAY OF IDENTITY THEFT. I HAVE CONTACTED TRANSUNION AND EXPLAINED THESE ARE DONE SO BY FRAUD AND WAS NEITHER DONE SO WITH MY KNOWLEDGE NOR CONSENT. I HAVE REQUESTED THEY REMOVED BOTH AS THEY WOULD AFFECT MY OVERALL CREDIT AND SCORE ALIKE. 

I WAS TOLD I HAD TO FILE THIS COMPLAINT AND REQUEST YOU CONTACT THE CREDIT AGENCY TRANSUNION TO HAVE THEM REMOVED.
Product: Credit card

I contacted XXXX XXXX  to purchase an appliance quote for a kitchen remodel. 
I was told by XXXX that they offer a 12 months no interest and also an additional rebate of 5 % through Commenity Bank which was approved by phone with XXXX. I had the entire balance in an account ready to pay off anytime form an equity line. 
I purchased XXXX in appliances in XXXX XXXX.The appliances were delivered over several months. I made regular auto payments of approx $ XXXX over the year and the balance was paid down to approx {$12000.00}. 
I called Commenity Bank in XXXX and spoke with a customer service person and said can you tell me when the 0 % interest ends. They told me XX/XX/. My response was ok I thought it was earlier it must be based on when all appliances were delivered. 
I then added it to my calendar and went on this morning to pay it off. I immediately saw a {$17000.00} balance. I noticed they added {$4300.00} in interest in one month ( XXXX and another {$400.00} last month with any warning, phone call, email or anything by mail. 
I was given a date of XXXX by phone. I fell taken advantage of, I feel scammed and that this is predator4y. The customer service person offered no help or resolution. I have had this money ready to pay off at anytime. I am a XXXX  XXXX  that has worked hard 7 days a week to put my daughter through her XXXX  and a son with a XXXX XXXX. They have turned my dream of a kitchen remodel into a nightmare. I would love your help. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is inaccurate it is reporting inconsistently across bureaus. XXXX and Transunion are reporting inconsistent Date Last Active XXXX XX/XX/XXXX, Transunion XX/XX/XXXX. This account also has inconsistent account numbers it could belong to anybody. If the information is coming from the original creditor the information should be consistent across reports. We can not say this account is accurate. Youve failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : 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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}
Product: Checking or savings account

Unauthorized withdrawals -- - XX/XX/XXXX, XXXX Unauthorized quickpay by XXXX through chase mobile app for android to XXXX XXXX XXXX the amount of {$500.00}. 
XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXX 2 quickpays to XXXX  XXXX in the amount of {$500.00} each. 
XX/XX/XXXX, XXXX 2 quickpays to XXXX XXXX in the amount of {$200.00} each. 

Contacted Chase to report the fraud on XX/XX/XXXX at XXXX EST. 
Chase reached a decision stating I was responsible for the unauthorized transactions on XX/XX/2020 at XXXX EST. They refused to re-investigate because quickpay was used and wouldnt track the recipient of the unauthorized funds. I swear these weren't authorized charges or subject me to perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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 you 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 Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} Date Opened : XX/XX/2019 XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX  Account XXXX 3. XXXX XXXX XXXX  Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX Account XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered my information through Discover 's SOFT approval online tool. They pulled a hard copy of my credit report. 

Text to Discover : To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XXXX. My understanding is that this was a SOFT INQUIRY based on direct mail, per all advertising. I did not authorize a hard inquiry. 
Because I did not apply for credit with Discover Financial Services, I am asking that you remove this inquiry from all three of my credit profiles. 
If you disagree with this assessment, I am requesting an investigation into Discover Financial Service to determine who authorized it fraudulently. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you can not prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Product: Debt collection

I hope this message finds you well. I am writing to bring to your attention a critical matter regarding identity theft that I have been grappling with. Despite initiating a freeze on my account in the past, I am experiencing persistent issues, including the unauthorized creation of loans under my name. 

I am writing to bring to your attention a case of identity theft that has greatly impacted my financial well-being. I recently discovered unauthorized activities on my credit report through XXXX XXXX, specifically a loan from Speedy Cash that I did not apply for. 

The identity theft traces back to an incident at an extended living company in XXXX XXXX, Texas, where my personal information was compromised in XXXX. Despite the individuals responsible being terminated, I was not provided with any information about the breach at that time. 

In addition to the fraudulent loan, I have received emails from various loan companies regarding accounts that I did not create. This ongoing issue has been adversely affecting my credit and financial stability since XXXX. 

Unfortunately, I do not have supporting documents for the Speedy Cash loan as I never applied for it. I am reaching out to the CFPB to request assistance in investigating and resolving this matter promptly. 

I understand the severity of identity theft and its potential long-term consequences. I kindly request your support in addressing this issue, freezing my credit, and taking any necessary steps to rectify the fraudulent activities associated with my identity. 

Thank you for your prompt attention to this matter. I appreciate your assistance in helping me navigate through the challenges posed by this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} Medical XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

CITI CARDS XXXX XX/XX/2023 SYNCB/DKS XX/XX/2023 XXXX XX/XX/2023 I disputed them with the creditors and credit bureau but they remain on my credit report!
Product: Credit reporting, credit repair services, 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 USC 1681. 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 XXXXXXXX, Federal Student Loan ( Department of Education XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 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 items 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 accurate.
Product: Debt collection

I am writing to dispute a debt that is being reported by Transworld Systems Inc. under account number XXXX. This debt is being incorrectly assigned to me, and I am requesting its immediate removal from my credit report. 

Here are the details of my situation : Insurance Coverage at the Time of Service : At the time of the XXXX XXXX in question, I had valid health insurance that should have covered these expenses. I have confirmed with my insurance provider that they received and processed claims for these services. 
No Outstanding Balance : According to my insurance records, there should be no outstanding balance for these XXXX XXXX. The debt reported by Transworld Systems Inc. does not belong to me and is a result of an error either in billing or insurance processing. 
Request for Validation : I have previously requested validation of this debt from Transworld Systems Inc., but have not received satisfactory evidence that this debt is mine or that it is owed. 
Given these circumstances, I am requesting the following : Immediate Removal of the Debt : Please remove this erroneous debt from my credit report as it is not valid. 
If there is any documentation that proves this debt is mine, I request that you provide it. Otherwise, this collection needs to be removed to reflect accurately on my credit report. 
I appreciate your attention to this matter and look forward to resolving this issue promptly.
Product: Checking or savings account

I've received a number of unwanted calls and emails from a XXXX XXXX with Chase as of today, XX/XX/. I received a call from XXXX from Chase, then an email from XXXX XXXX, both unsolicited/unwanted. I request to be removed from emails/calls.
Product: Debt collection

This company keeps calling my cell phone early in the morning around XXXX. My cell is XXXX. And they keep telling me they are going to sue me.
Product: Credit reporting or other personal consumer reports

This is extremely urgent. 

I have been working on these items since XXXX : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  ( the same as the above XXXX XXXX XXXX XXXX This issue is causing a serious problem with me closing on my mortgage loan. I requested all 3 credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX 3rd party credit company. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/year> and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my annual free credit report from Equifax once a year for the past 6 years. I have never received one. I have contacted Equifax via phone and email many times. I have still not received my free report. 

I have used the on-line service to get my report several times. After each time I have had to pay for the report.
Product: Checking or savings account

Dear CFPB Team, I am writing to formally address an issue I am experiencing with my account at Marcus by Goldman Sachs, which I believe is in violation of Regulation CC. 

Today XX/XX/year>, a hold was placed on my account for {$120000.00}. I was informed that this hold was triggered due to my issuing a transfer online. This is separate from the original {$230000.00} that was deposited into my account. I was advised that I must wait for this hold to expire and then call back to complete the transfer over the phone. The bank advised that I transfer the {$230000.00}, never specified how. 

I find this process to be unreasonable and not compliant with the guidelines outlined in Regulation CC, which governs the availability of deposited funds. It is concerning that I must endure additional delays and hurdles for a transaction that should be processed in a timely manner. 

I request your assistance in resolving this matter promptly. I believe that the actions taken by Marcus are not only inconvenient but also unjustifiably restrictive, and I hope to find a resolution that aligns with consumer protection regulations. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed. 

Sincerely, XXXX XXXX