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

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX DATA INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX INQUIRED XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son is a minor who has a credit report through TransUnion. When I investigated this, I found that one of my credit cards through XXXX XXXX is attached to both his and my social security numbers. This change was done in XX/XX/2022, though no action was taken by me at this point, nor does his name show as an authorized user of the card.
Product: Credit reporting or other personal consumer reports

I woke up to find an unauthorized inquiry on my credit report, and I am beyond frustrated. I always monitor my report closely, yet this appeared suddenly with no reason. I even tried refreshing my browser, thinking it was an error, but nothing changed. This issue must be fixed immediately. I expect my documents to be carefully reviewed so I can stop stressing over this.
Product: Mortgage

I called Rocket Mortgage to inquire about a HELOC and specifically asked them not to run a hard inquiry on my credit, but only give me general information. While on the call I got an alert from XXXX XXXX and from XXXX that there was a hard inquiry on my credit about a mortgage refinance. I then asked about it and the representative lied and said he didnt run a credit check. I then read the alert to him out loud and he then admitted to doing to and said he was doing me a favor. I asked for his boss and he put me through to his director who said he would look into it, and call me back the next day. He hasnt called me back. He also claimed he could and would undo the hard inquiry, but didnt do that either.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because [ /Equifax/TransUnion ] is reporting an account from XXXX XXXX XXXX XXXX has not been properly verified under the Fair Credit Reporting Act ( FCRA ). 

I disputed this account on ( XX/XX/year> ) Dispute ] and provided proof that XXXX XXXX XXXX failed to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the account remains on my credit report. 

I am requesting that the CFPB investigates this matter and ensures compliance with federal law. Under the FCRA, unverified accounts must be removed. This inaccurate reporting is negatively affecting my credit score, and I am seeking its immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early 2019, I was having problems making my VA mortgage payments. Called WellsFargo ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with WellsFargo - towards the end of the payment program, I started making large payments. 

WellsFargo has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and WellsFargo does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.
Product: Debt collection

In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue XXXX be resolved immediately.
Product: Debt collection

My car was repossessed XX/XX/20 The creditor told me I have till the XXXX of XXXX to fax a paper and give them XXXX and they extend my contact 2 months. Today XX/XX/20 I went to go pay and fax over my things to pick up my car which was 30 mins away since the XXXX it been gone and I was never notified my car was going to Jersey.Repo tells me they claimed my car and took it like 200 miles away and now the auction place is saying I can't have my car but I have to pay transportation parking and they made a key for my car. How am I responsible if my car not supposed to be sold until XX/XX/20. they rushed it and someone somewhere is violating my rights. People shouldn't be treated like this. At least be fair.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- UXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on EXPERIAN and XXXX, so I am now taking the extra step, because I really need these addresses to off of my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. I then requested a supervisor. The supervisor also refused to remove adverse information and reports that I never provided written instructions for TransUnion to furnish to my consumer file pursuant to USC 15 1681b. TransUnion willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of XXXX XXXX. I asked the supervisor if TransUnion had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for TransUnion to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX : After contacting XXXXXXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have legally authorized power of attorney for deposit accounts and safe deposit box on checking accounts held at Chase bank under the name of my now deceased mother. After her death I was appointed Estate Executor by the XXXX XXXX XXXX XXXX XXXX in XXXX, Ohio were she resided at the time of her death. After retrieving bank records to complete my duties as fiduciary I discovered that funds had been illegally withdrawn from two separate checking accounts via ATM debits, withdrawals and electronic transfers. I contacted the manager in charge at the JPMorgan Chase Bank, N. A. located in near my mothers residence in XXXX, Ohio to report the fraudulent and unauthorized transactions. I provided documentation to the fraud department that my mother was already terminally ill and an amputee and was not physically able to have made or authorized the transactions. I also provided proof that though listed on the accounts, I lived out of state and provided proof showing that daily transactions on out of state accounts made by me proved that I also did not make the withdrawals from either account. After multiple discussions and provided proof from the Court that I was Estate Executor over her affairs, Chase Branch personnel advised that they would investigate the matter to ensure that funds were returned. To date nothing has been done to return any of the funds that were illegally taken from either account. Additionally, when I spoke with Branch managers as to why I was not contacted when transactions in excess of thousands and hundreds of dollars made on the same date, on multiple dates were committed, no answer was provided. Chase bank did nothing to protect the funds that should have been protected and did nothing to resolve the matter after I contacted them.
Product: Bank account or service

Wells Fargo Bank use a 3rd party, XXXX ( XXXX XXXX XXXX ), to alert them to place a deposit hold on your acct. Wells Fargo will " hold '' the deposit for 7 business days even when Wells has received payment for the check. I made a deposit on XXXX/XXXX/16.The hold is until XXXX/XXXX/16. I verified with the bank the check was from and they paid it on XXXX. How can Wells keep my money that they have already received and not credit my account? This is on a small business acct and it really effects my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two of student loans on my credit file that I have been disputing since XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXand XXXXI was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.
Product: Debt collection

The collection company in question is attempting to collect a debt and are not licensed in the state of Florida.