23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to 18 USC 241, 242, My rights are being violated. The third party collector has no jurisdiction to collect on a debt that has been XXXX. The request was sent for verification of signature but not received. Due process was not given, I was not properly served with notice to appear. It appears during this time, I was dealing with a sick mother, whom is now deceased. There is no contract that exist between my corporation XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the handling of my credit report by XXXX, Experian, and XXXX. Despite my multiple requests for re-investigation, the inaccuracies on my credit report have not been resolved, and the previous complaint was closed without proper action taken to address the errors. 

These credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( a ) ( 1 ) The credit bureaus failed to conduct a reasonable investigation of my dispute, leaving inaccurate information uncorrected on my credit report.

FCRA Section 1681e ( b ) The credit bureaus did not follow reasonable procedures to ensure maximum possible accuracy of the information they reported, as they allowed inaccurate information to remain on my report.

FCRA Section 1681c ( a ) ( 5 ) The credit bureaus continued to report outdated information, as the date of last activity on certain accounts is incorrect, violating the law regarding the reporting period for negative information. 

Due to these violations, I request that the CFPB investigate the matter and ensure that these credit bureaus follow the necessary steps to correct the inaccuracies and comply with the law.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX  due to account listed below inaccurate information XXXX XXXXXXXX XXXX XXXX Jefferson capitol system XXXX XXXX. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 PAID collection accounts on my Equifax credit report from XX/XX/2019, for XXXX XXXX XXXX. ( paid receipt uploaded ) I notified all 3 bureaus, XXXX, XXXX, and Equifax by certified registered mail with a copy of my driver 's license, social security card along with the receipt from XXXX XXXX XXXX showing the accounts totaling {$170.00} were in fact paid in full. XXXX  & XXXX deleted these paid accounts IMMEDIATELY. Well within 2 weeks. Equifax REFUSES to remove these accounts and they have given me every excuse under the sun. I filed a complaint with the Ohio Attorney General 's office against XXXX XXXX XXXX because their offices are in Ohio to get these paid collections removed from my Equifax credit file. 

I received a phone call today from the Attorney Generals office today ( XX/XX/2019 ) they advised me after their investigation that XXXX XXXX has been PAID and they have no further action or interest with me. They advised me to file a complaint against Equifax with the Michigan Attorney General 's office for assistance. Being that XXXX & XXXX has removed the items shows that XXXX XXXX has no further interest and Equifax needs to follow suit. 

I am filing a complaint with the Michigan AG 's office as well as retaining my personal attorney XXXX XXXX XXXX to pursue legal litigation against Equifax for damages to my credit report. I have spent hundreds of dollars in certified letters, online complaints, postage not to mention my time and frustration and I am on Social Security XXXX and live on {$1300.00} a month. 

Equifax is damaging me with these 3 paid collections impacting my credit score severely.
Product: Credit reporting or other personal consumer reports

What Happened? 

The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting

I never received any certified proof of claims. I asked for certified proof of claims from all companies listed
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and found multiple inaccurately reported late payments that require immediate correction. These late payments are either unverifiable, incorrect, or legally outdated. 

Accounts with Inaccurate Late Payments : XXXX XXXX Account XXXX XXXX XXXX, XXXX, XXXX These late payments were either : 1. Incorrectly reported despite on-time payments 2. Not properly verified by the data furnisher 3. Beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Applicable Legal Violations & My Consumer Rights : 1. FCRA Section 609 ( 15 U.S.C. 1681g ) I have the right to request full verification of all late payments reported on my credit file. If they can not be fully validated, they must be deleted.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are legally required to ensure complete accuracy in their reporting. Any failure to verify late payments or incorrect reporting is a violation of federal law.

3. FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Late payments older than seven years must be removed. If any of these late payments are beyond the reporting period, they are illegally being reported and must be deleted.

4. FCRA Section 611 ( 15 U.S.C. 1681i ) Credit bureaus must promptly investigate any disputed item. If the late payment can not be verified with full documentation, it must be immediately removed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by XXXX and XXXX but is listed as " {$4700.00} '' by Equifax, leading XXXX discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by XXXX and XXXX, but Equifax inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XX/XX/year> '' by XXXX but " XX/XX/year> '' by XXXX, while Equifax does not provide this date. 
o The " Two-Year Payment History '' shows inconsistent delinquencies. For example, XXXX and Equifax report delinquencies of " 120 days late '' in XXXX and XX/XX/year>, while XXXX does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while Equifax includes " Real Estate Mortgage FHA mortgage. '' XXXX provides no comments at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Complaint # XXXX On XXXX, TD Auto Finance states that they are required to report to the Credit Bureaus under the FCRA.

This is NOT true. Creditors are not legally obligated to report anything at all. It's a completely voluntarily practice. TD Auto Finance has purposely made a false statement. Please provide me with the information that validates the statement that credit reporting is required. 

Since the loan was paid off in 2018, was a 1099 C filed, and if so, I would like proof. 

I need to know if TD Auto Finance followed the Gramm Leach Bililey Financial protection Act ( 15 USC 6801 ), this law clearly states the non affiliated third parties should not have my non public information, without my consent. I would like proof that I gave TD Auto Finance my consent to furnish my information.

I was never given the opportunity to opt out of my non public information being given to a non affiliated third party, under the Gramm Leach Bililey Financial Protection Act ( 15 USC 6802 ), I would like proof that I was given a chance to opt out. 

I would like proof of everything listed above
Product: Mortgage

XXXX keeps cashing checks within the grace period for our mortgage payments but they are listing this as past due every month and chraging me late fees. I've made all my payments on time and have the record of when XXXX cashed the checks but they are listing my account as past due. We have spoken with them on the phone and they said that it was fixed for one month but that they couldn't do anything for the next month. On my XXXX report this is showing up as being several months behind and is destroying my credit. Right now my XXXX report shows the last payment being made in XXXX but I have records that show they received on-time payments in XXXX, XXXX, and XXXX. XXXX told my wife that this was never reported as delinquent and yet it shows up in my credit report from XXXX  and XXXX.
Product: Debt collection

Please remove this inaccurate information from my credit report immediately. 
WESTERN FUNDING INC
Product: Debt collection

After obtaining a copy of my Transunion credit report, I noticed a collection account reporting on my account by XXXX for a debt for {$270.00}. On XX/XX/2016, I attempted to contact the above agency, XXXX to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Transunion, and Transunion reported the debt as valid. How is the debt validated through Transunion, when the collection agency did not respond to my attempt to communicate with them regarding this debt?
Product: Debt collection

XXXX XXXX or XXXX had promotion marketing at local XXXX to provide internet, phone ( voip ) & TV services. Based on the offer I signed up XX/XX/XXXX or XX/XX/XXXX that started the service and this service interrupted within 2 days after trying to get support from XX/XX/XXXX or XX/XX/XXXXso we requested disconnection of this service as are allowed to do so within 30 days. XXXX XXXX or XXXX still sent our account to collection with the amount and collection company details below. 

Amsher Collection Services / XXXX XXXX Amount {$340.00} / Account # XXXX / Collection opened XX/XX/2019 / XX/XX/XXXX credit report. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX / ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I received information that my credit report dropped by over XXXX points. Tried to login online but could not. I am positive that my Username and Password are correct. But my security questions must have changed. The web goes to a webpage that says to call ( XXXX ) XXXX during hours of operation : Mon-Fri XXXX PT or Sat-Sun XXXX PT. In calling that number is an automated system that will only reset username and password. That automated system offers no representative between the hours specified on the web page above. I have had it send an email to reset the password and as indicated the password was correct but I did change it. Still can not get logged in. I have wasted 5 hours today to resolve why they refuse to support within the Hours of operation listed and specifically why my credit has declined when no bad financial incidents have been brought to my attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. While overseas my identity was stolen and several accounts were opened in my name. Upon checking my credit I found several inquiries that were not authorized by me. 

The inquires from Capital One were on : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

I am writing to address a fraudulent account on my credit report, which I believe XXXX  from inaccurate information resulting from fraudulent activity. 
I insist that you promptly remove all fraudulent accounts from my credit report. 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian and XXXX on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against Experian and XXXX if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a credit card with XXXX XXXX bank and it was declined because of information from equafax that wasnt up to date because my credit limit on tw cards were increased by a total of {$3000.00} which made a big difference with % of credit availability. I filed a dispute with cfpb because for over the limit amounts are updated mostly the next day but it had been almost 3 weeks and it wasnt updated. I was sent an email saying it had been resolved but I couldnt get the results on line and when I called I was told the didnt have any disputes from me. After I file the dispute my credit score with XXXX went immediately down while the went up with the other two agencies. I was sent another email from them saying it was ready to be viewed but I wasnt able to view them again. Equifax also sent out information on my new balances without mentioning the increases intentionally trying to lower my other scores. I would like to know the agency that I can file a discrimination complaint and a retaliatory complaint for them intentionally trying to limit my credit and ruin my life.
Product: Student loan

On XX/XX/2023, my account was placed on Administrative Forbearance without my consent. I called Mohela twice asking to remove the forbearance and was assured by the agents that my request had been inputted into the system and is pending processing. When I asked about the timeframe for processing my request, I was transferred twice to XXXX different agents and did not receive an answer. 

I called on XX/XX/2023 to follow up on my request and was told that no request had been received and they have no record of it. I was again transferred to XXXX agents when I asked about the capitalization on my account. I received a letter saying my loans were being capitalized due to the forbearance. I asked for the capitalization to be removed as the forbearance was done without my consent or request for it and I wanted written receipt of my request this time to remove the forbearance. After being transferred, the agent did not answer any of my questions and then placed my call back into the queue without telling me. I have been on hold now for over an hour and a half. 

It is clear that MOHELA utilizes tactics to get their borrowers off the call or bounce them around agents and put them on hold until they give up. I still have not received any resolution to my requests.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash APP ( Block, Inc. ) due to inadequate customer service and unfair practices which violates The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint for the second time to follow up the addressing of specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or have been involved in, regarding the aquiring of goods, money, or services. I am requesting that Transunion and XXXX credit bureaus will remove and block these specific remaining inquiries as a result of the alleged identity theft. TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attached to this complaint you will see my FTC Identity Theft complaint report in relation to these fraudluent inquiries, Names and Addresses. The following address is in error 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. The following name is also in error 1. XXXX XXXX XXXX. With the amount of identity theft going on around these Holiday times, I am afraid that someone can misuse my identity once again. Please I urge you to remove these names, addresses, and fraudulent accounts at once. Once more I am not familiar with these fraudlulent inquiries, also have reservations about the accuracy of the information provided in some of them. It should definitely be noted that certain inquiries have already been deleted by other bureaus like XXXX, raising concerns about their reporting history in accordance with FCRA section 605B. I would like to thank the CFPB for assisting me in the matters in this complaint to assure that my rights are not being violated as a consumer. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by 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 made within the 15-day grace period : My payment for XX/XX/year> was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment. 
Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/2023, and spoke with multiple representatives which was on a recorded line courtesy of TransUnion speaking about how I have 21 fraudulent inquiries on my consumer report that's not attached to an open account, nor did I give TransUnion written or oral consent to furnish anything on my consumer report. As a consumer reporting agency TransUnion has to exercise their grave responsibilities with fairness, impartiality, and with the respect of my right to privacy as a consumer to have the inaccurate information removed when I was denied assistance and my consumer rights were violated. I do not recall that TransUnion have sent out any type of communication in regard to an investigation consumer report. Since TransUnion haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing. TransUnion unfair credit reporting methods undermine my confidence in its practices which is essential for me to extend my credit.