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

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
US DEPT EDXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I put a lock on my credit report due to information being stolen from work due to a hack a few years prior. In XXXX, I contacted Equifax as an executor of my cousins estate to advise she had died. Instead of marking her deceased on her report, they put it on my credit report. In XXXX, I saw it on my report & called equifax. They confirmed the mistake & advised it was removed from my report. On XX/XX/XXXX I unfroze my account as I was applying for a mortgage. It showed unfrozen, but the mortgage company said it was still showing frozen. They also said it showed a deceased person on the account. I called equifax back & they said the account was on hold as they needed to verify my info to release the hold. They said it would take 7-10 days to resolve. After speaking with XXXX levels of people, the issue was escalated & the freeze would be off within 24 hours & the deceased person mistake would be deleted. On XX/XX/XXXX I also could not access my own credit report. Online showed temporarily unavailable. All of this was supposed to have been resolved by XX/XX/XXXX at XXXX. I went online today, XX/XX/XXXX ( 9 days after calling the last time ) and I still could not access my credit report. I spoke with 3 different levels of people & was told the freeze was off but the original person never escalated the issue about not being able to access my own report. They said it would take 7-10 business days for someone from IT to even email me about it. They would not transfer me to anyone higher up and said they can not contact their IT dept themselves nor could I to get it resolved faster. The only thing they could do is mail me a copy of my report which also couldnt be done for 4 days. They could not also overnight it to me. There doesnt seem to be any way for me to access and get a copy of my own credit report. They requested to sign me up for a credit service that would allow me to run one report a month, but that it would only update once a month also. With trying to buy a house, this is an urgent matter & I should not have to wait 2 weeks ( 3 for when I originally called ) to get a copy of my report, nor should I need to sign up for a new service to get something I have a right to. In researching this online, this exact issue with not being able to access reports & getting this error has been going on with people for years. There is no issue with the other 2 credit reporting agencies & I have a perfect credit score with the other agencies. I need access to this report now, not in 2-3 weeks.
Product: Debt collection

I have no business relationship with LVNV FUNDING LLC. They opened account in my name without my knowledge, authorization, and consent. I do not have a contract that I signed with them that makes me obligated to pay them anything. This is fraud, identity theft, and extortion. There is no agreement between myself and LVNV FUNDING LLC at all.
Product: Debt collection

I recently checked my credit report and noticed some in accuracies. I turned in the equipment and the company is charging me for the equipment which is illegal. 

THE CBE GROUP Acct XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, While performing a follow-up personal credit check I discovered inconsistencies with XXXX collection accounts that appear on my credit report. The accounts both appear on all three bureau reports, however they have inconsistent naming, address and status information. Here is a summary of what is reporting : LJ ROSS seems to be named XXXX different ways and a different account status : XXXX. The XXXX report indicates the name has an ampersand ( L J ROSS & ASSOCIATES ), does not indicate an incorporation and the account is reported as closed. 
XXXX. The XXXX report indicates no ampersand and indicates an incorporation ( L J ROSS ASSOCIATES, INC ). XXXX is reporting this account as closed. 
XXXX. The XXXX report indicates an abbreviated name ( L J ROSS ASSOC ) and that the account is reporting as open. 

XXXX XXXX is reporting XXXX different names, XXXX different addresses and different status : XXXX. The XXXX report indicates the name XXXX XXXX XXXX XXXX, while both XXXX and XXXX list it as XXXX XXXX XXXX XXXX. 
XXXX. The XXXX report indicates the address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX while both the XXXX and XXXX reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX. XXXX reports the account as open while both XXXX and XXXX indicate the account as closed. 

As these inconsistencies are grounds for removal from my personal credit reports I am writing to state that I did not receive the opportunity to dispute this information. If in fact I was provided proper notification, please provide me with a copy of the certified receipt with my acceptance signature displayed. Thank you for your attention to this matter. 

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

I TRY REACH OUT TO EXPERIAN, XXXX, AND XXXX CREDIT AGENCY ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
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Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX23 Experian CAPITALONE 15/10/2023 Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?! 

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus TransUnion is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus XXXX and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped XXXX something points because of this. then dropped an addition XXXX points and experian can't explain what happen.
Product: Credit reporting or other personal consumer reports

I recently obtained copies of my consumer reports from the credit reporting agencies ( Experian, XXXX XXXX, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : XXXX. XXXX XXXX Credit Card Account # XXXX XXXX. ) XXXX. XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX. 

Upon reviewing my credit reports, I have noticed that XXXX XXXX XXXX is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX XXXX ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX  ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX XXXX appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward with getting a new and buying a house for my family. Experian, XXXX, and XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently charged me fees that not accurate XXXX reported inaccurate information to all XXXX credit bureaus
Product: Money transfer, virtual currency, or money service

My PayPal account received a cash withdrawal email notification, but I can't complete the associated bank and cash withdrawal, please help me
Product: Debt collection

On XX/XX/2024 IQ data responded to a complaint about an unauthorized account on my credit report. I requested the company 's license and bond to operate in the state of Illinois. They refused to provide it and suggested I search them on the Illinois data base. I searched and they are not registered. I researched on the national database. They are licensed in 15 states. Illinois is not one of them. 
In addition, I am writing to request documentation pertaining to the alleged debt associated with the alleged account. Specifically, I request a copy of the contract between your agency and the original creditor related to the collection of this debt, as well as the original creditor 's 1099-C form for the alleged debt. 
Furthermore, I would like clarification on whether your company followed the requirements outlined below prior to reporting the alleged debt : 1. Did your company speak with me, XXXX, in person regarding this debt? 
2. Did your company speak with me, XXXX, by telephone regarding this debt? 
3. Was a letter mailed to me, XXXX, and was a reasonable amount of time,30 days given for a notice that the letter wasn't delivered? 
5. Was an electronic communication sent to me, XXXX, and was a reasonable amount of time ( 30 days ) given for a notice that the message wasn't delivered? 
6. Additionally, please provide information regarding who authorized the pulling of my credit report in relation to this alleged debt. Furthermore, I would like to inquire about if the alleged account is currently eligible to join in any lawsuits or class action lawsuits against the original creditor. If so how does that effect your company 's attempt to collect the alleged debt. Your prompt attention to this matter would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Product: Student loan

I am currently under the REPAYE plan, however my loan servicer, Navient, does not send a detailed billing showing the amount of interest that is accruing each month or whether the federal subsidy is being applied appropriately to my account. I have made at least three requests for a detailed billing. Each time they send a listing of payments I have made, a list of my loans, the principal amount, and interest rate. As I am responsible for paying off loans and accruing interest, is n't it my financial right ( I know, it 's a strong term ) to receive a monthly statement showing how they are calculating my interest and that the interest subsidy is being applied?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Credit reporting

XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. Here are the inquiries that I've found : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. XXXX IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN XXXX AND XXXX MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED XXXX ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT REMOVED IMMEDIATELY.