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

I am filing this complaint to formally dispute inaccurate information reported by Equifax regarding an account from XXXX XXXX XXXX XXXX Account # XXXX, Balance : {$160.00}, Status : Collection/Charge-Off ). Despite submitting multiple disputes with all three major credit reporting agencies, this account has repeatedly been verified as accurate without a proper investigation. However, this account is reported inconsistently across the three credit reporting agencies, raising serious concerns about the legitimacy of their verification process.

I have attempted several times to resolve this matter directly with Equifax and XXXX, but they have failed to correct the inaccuracies. Each time I disputed the account, the responses from the credit reporting agencies failed to address the inconsistent reporting. The account details do not match across all three agencies, which directly contradicts their claim that the information has been properly verified. 

XXXX reports the account as Charged Off - Bad Debt with a past due balance of {$160.00} as of XX/XX/year>. XXXX reports the account as Open with a {$0.00} balance, while Equifax reports it as Secured Fixed Rate with no past due balance. The discrepancies between the credit reporting agencies suggest that the account is being reported inaccurately, making it impossible to verify as correct. 

If this account was properly investigated, the information should be consistent across all agencies, which is not the case. The failure to conduct a proper reinvestigation and correct these errors violates the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in reporting consumer data. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681c ( a ) ( 4 ), negative accounts can not be reported past seven years from the date of first delinquency ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my Transunion credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize LXXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I have a XXXXXXXX XXXX account listed on my credit report, which was closed and settled. Despite disputing this account multiple times, it has not been removed. 

Additionally, there is an issue with the XXXX XXXX XXXX. I have never taken out any student loans, yet my Social Security number is being used fraudulently to obtain loans and credit cards. Despite my efforts, these unauthorized accounts remain on my credit report. 

I have not been able to obtain My Credit Report from Experian.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  XX/XX/XXXX USAA XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  XXXX XXXX  USAA are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 







" I am opting out of your reporting services.
Product: Debt collection

regarding account XXXX, which you claim unpaid such as I owe {$120.00} or my account was charged off {$120.00}.
Product: Mortgage

Mortgage payment made through XXXX XXXX XXXX bill pay on XX/XX/XXXX. To date, Wells has not posted this payment.
Product: Debt collection

moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and myself to obtain permission. After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt collectors. The 1st one was from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from IC system. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above XXXX was now below XXXX because of this false charge and I ended up getting a much higher interest rate because of this. Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. Thank you, XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries on my Trasunion Report as follows : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Transunion customer service department did not help remove the negative inquiries that are reporting on my credit report.
Product: Checking or savings account

XX/XX/2022 I believe an individual spoofed my Truist bank account and withdrew {$1100.00} to pay for something I did not authorize at XXXX The money is pending withdrawal from my Truist account under the name XXXX XXXX to XXXXXXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX. The email usedd was XXXX This person apparently used XXXX to put the XXXX into his XXXX. 
I immediately called Truist and asked them to deny this charge. It is pending. The same person also took {$250.00} from my Truist credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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

I am enclosing 2 letters I wrote them about the issue which is explained. 
they have done nothing to resolve this at all. Is this the way they handle complaints??
Product: Debt collection

XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.
Product: Student loan

I have loans being serviced by Myfedloan. I am in an Income based repayment plan and have outstanding interest, which according to the IBR does not capitalize unless I no longer qualify or change plans. This year when I renewed my IBR, Myfedloan first claimed I no longer qualified, and then later that same day approved my IBR renewal. I happened to catch this because I was watching my loan closely. When they denied my renewal the interest capitalized and did not go back to interest with the subsequent approval. This seems like a very sneaky way of forcing interest to capitalize and, while this could have been a one off mistake, if it is being done systematically it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled my past eviction notice balance with XXXXXXXX XXXX XXXX  for XXXX XXXX for {$710.00} on XX/XX/XXXX, & it is still on my public record. I want it removed. This eviction was 4 years ago in XXXX. This is ridiculous. It's been settled and paid. I'm trying to move on and this isn't helping.
Product: Debt collection

I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon
Product: Credit reporting or other personal consumer reports

Re : Dispute of Incorrect Information due to Identity Theft and National Breach for Deletion/Blocking inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To whom this may concern, Upon further reviewing my TransUnion Credit report XXXX I noticed there is a name reporting on my credit report that is not mine. The name reporting on my credit report is XXXX XXXX. My name has never been XXXX XXXX. My name has always been XXXX XXXX. 

I also learned after speaking back with the creditors, which I paid in full mistakenly while trying to get my credit score high enough to build and establish my credit more that the negative accounts that were reporting negatively are tied to that name and an address that is also reporting on my TransUnion credit report which I've never lived in my life.

I am writing to formally dispute certain inaccuracies reporting on my credit file, which I know for a fact are a result of identity theft, steaming from the recent national breach. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incomplete or inaccurate information on my credit report, and I respectfully request the immediate deletion or blocking of the following erroneous entries : Name : XXXX. XXXX XXXX Negative Items reporting on my TransUnion Credit Report that are tied to this XXXX XXXX name above that I would like to have deleted/blocked : XXXX. XXXX XXXX & XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Legal Basis : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c - 2 ), I have the right to request the immediate blocking of the information resulting from identity theft. Specifically, FCRA 605B provides that credit reporting agencies must block any information that a consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving appropriate documentation. 

I look forward to a speedy resolution. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Self refused to process payment already sent to the lead bank the holder of the loan agreement and is stating that the payment is received 30 days late when it was sent and already received 30 days ahead of schedule violating. Contract agreement as a fiduciary and POA agreement by closing a account with out processing my security interest submit for billing error
Product: Mortgage

I changed insurance carriers and submitted the requested documents per the directions of the mortgage servicer. The mortgage company kept saying that the property did not have insurance while the property had hazard insurance in full effect throughout the duration of ownership/ their servicing. I was erroneously charged for 2 lender placed policies ( unsure why there were two policies on 1 property?? ) and have been unable to have them cancel the policies correctly since. My escrow account was debited {$1500.00} for the lender placed policies while I had active insurance coverage on the property the entire time. I as well submitted the requested documents to the mortgage servicer multiple times and have email documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 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 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent
Product: Debt collection

XX/XX/2023 according to the credit bureaus, was filed into my account for XXXX that I have no clue about
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX store credit card offered by Comenity. I signed up for the card as it offers a 10 % " reward dollar '' for purchases. The way the program is structured, it requires new charges to the credit card or forfeiture of reward dollars anytime the reward is used. This is not disclosed on the credit card application, nor are XXXX XXXX XXXX associates well versed in how the program operates, leading to unfair and deceptive marketing practices. 

The incident that led me to understand how this program is not as advertised occurred on XXXX XXXX, XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I had previously purchased and paid for more than {$600.00} in merchandise from XXXX XXXX XXXX in the prior billing cycle. This earned me {$60.00} in reward dollars. I purchased approximately {$30.00} in items with these rewards, expecting the remaining {$30.00} would be available for future use. Immediately following the completion of the transaction, the cashier informed me that the remaining {$30.00} balance was forfeited as I did not have a transaction of at least {$60.00} when I redeemed my reward dollars. I asked to void the transaction as I did not want to forfeit the reward dollars, but was told that was impossible. I spoke with the store XXXX, who contacted Cometity on my behalf to see if the remaining {$30.00} in rewards could be reissued, but was denied. In my conversation with the manager and cashier, I was informed that if I had a purchase in excess of {$60.00}, the only way I could use the reward was to charge any remaining balance on the XXXX XXXX XXXX credit card. This locks the consumer into the potential for a small balance and a new billing cycle, increasingly the likelihood that the consumer is late, incurring a late fee or triggering additional interest income for Cometity, should the account have a revolving balance. 

Surprised at the details for the reward program, I picked up a application on the counter. No where in the in storm information, or in the application, did the detail related to the limitations for the reward program exist. 

I am an educated consumer, who reads these disclosures, but I was not able to receive an accurate understanding regarding the rewards program based upon the materials provided.