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

Debt was charged off by the company XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Jefferson Capital SYST in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, Jefferson reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Jefferson Capital SYST that I opened. This action has caused my credit score to drop XXXX points in one week! This action is not legal! I demand it be removed immediately!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported across my XXXX/XXXX/TransUnion credit reports , which is negatively impacting my credit score. The inaccuracies involve accounts listed as closed or in a status that does not accurately reflect their actual condition and not reporting the same payment history across XXXXTransUnion XXXX 

After reviewing my credit reports from Experian/Equifax/TransUnion, I noticed the following inaccuracies : Account info Account name XXXX XXXX XXXX XXXX Account type Installment Date opened XX/XX/year> Balance {$1400.00} Account info Account name XXXX XXXX XXXX XXXXXXXX Account type Installment Date opened XX/XX/year> Balance {$500.00} Status : Closed Both accounts are recording inconsistent payment history across all agencies These accounts are inaccurately reported and do not reflect the accurate standing or payment history of the accounts across all XXXX, XXXX, Transunion. While XXXX and XXXX reports different monthly payment history. Transunion reports no payment history at all. 

Violations of the Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies and furnishers of credit information are required to ensure that all information reported is accurate, complete, and verifiable ( Section 1681e ( b ) ).

I have the right to dispute inaccurate information, and the reporting agencies and furnishers must conduct a reasonable investigation within 5 days.

The inaccurate reporting of these accounts violates these provisions and has caused financial harm by lowering my credit score and affecting my ability to obtain credit on favorable terms. 

Actions Taken : I have already attempted to resolve this matter directly with the credit reporting agencies and the furnishers of the disputed information. However, the inaccuracies persist despite my efforts. Attached to this complaint are copies of : My credit reports highlighting the inaccurate accounts.
Product: Debt collection

I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.
Product: Checking or savings account

On XX/XX/XXXX I called Citibank over unduly bank account activity. I noticed there was another overdraft charge on my account for the second time in a week. Mind you I dont have overdraft protection even on my account. So I dispute the charge for hours and finally I agree to the agreed upon payment of {$49.00} I deposit {$220.00} in my account to fulfill that promise and I wake up the NEXT day. With another {$50.00} over draft charge being taken out of my account. I have not used this debit card or made any purchases and yet they keep stealing my money. Ive been on the phone for hours trying to rectify the situation. This is just one instance, this has been happening for months. But they offer little to no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, The XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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.
Product: Debt collection

XX/XX/XXXX Substitute Parties Motion Granted from XXXX XXXX to XXXX XXXX XXXX XXXX which upon information and belief engaged in " Theft by Deception ''. 

XX/XX/XXXX Foreclosure Motion for Summary Judgment Granted for Principal Balance ; Interest from XX/XX/XXXX plus per diem {$8.00} ; Escrow Advances ; Fees ; Corporate Advances ; Suspense Balance ; reasonable counsel fees. 

XX/XX/XXXX XXXX XXXX stayed by attorney for loss mitigation with servicer. 

XX/XX/XXXX Entered into a trial modification agreement requiring an initial payment in the amount of {$7400.00} and six additional monthly payments through XX/XX/XXXX in the amount of {$970.00} which is an amount well in excess of regular monthly payment of {$630.00}. 

XX/XX/XXXX Trial modification completed and non-performance of permanent modification agreement by XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX letter to CFPB Complaint states, " While XXXXXXXX XXXX as Trustee may be identified as the nominal mortgage owner, and XXXX appear on certain foreclosure or other documents, as RMBS trustee, we have no authority to review and/or approve or disapprove of these decisions and actions. '' XX/XX/XXXX Loan allegedly sold to new investor owner however, no instrument at Recorder of Deeds. 

XX/XX/XXXX Notice of Sale of Ownership of Mortgage Loan sent by servicer. 

XX/XX/XXXX XXXX XXXX monthly payment in accordance with trial modification agreement with total payments in the amount of {$15000.00}.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX
Product: Debt collection

With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record.
Product: Credit reporting or other personal consumer reports

I have recently been trying to have fraudulent inquiries removed from my account with TransUnion. Despite my best efforts to help with the process, i have received no update or proof as to why they are keeping these fraudulent inquiries on my report. I request assistance in this matter and would like this information promptly removed from my account, as it is blocking me from obtaining funding for my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report. 
I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction. 
Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). XXXX has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives. 
You, XXXX should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers. 
Since you XXXX and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX  {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$510.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7200.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$360.00} ; DEPTEDXXXX XXXX Balance Owed : {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an identity theft issue. So I paid for a subscription for credit monitoring. Never received any information from them. Bought it in XXXX. I live in New Jersey and some how they have been sending them out to my sisters house in Florida. Everyday a new one has arrived since XXXX. Had my sister open one and sent me a picture. So I can try to fix the problem.. but after talking to customer service for XXXX mins. They told me that they are not allowed to give me the XXXX information.. so I told that I already sent them the XXXX  report about my situation..and would have no problem filling out another one with the person whom I was speaking with. And that they would have to be part of the investigation. After that I was provided with the managers information and spoke with him. Not to mention that I already submitted the some information to the XXXX other credit unions. All of my information on there sites are accurate now. The XXXX finally told me that the letters ( XXXX letters ) didnt come from his office. So I contacted the offline credit monitoring. He said that he didnt know what happened. I told him I was aggravated that they would put that much of my personal information out therenot that my sister would use my personal information. That is easy for people to use the information they sent to the address.. to open new accounts with just the basic information provided in the XXXX letters they sent. I am not happy with there services. Even after I sent them the police report and all the documents they requested. I still dont have access to my report.. because they said that I have to send it all again to the credit monitoring service. Its hard enough dealing with the identity theft impersonating myself. Having to pick through all of there accounts and changing my name. Trans union is not professional. You can contact me at XXXX. ( XXXX ) XXXX. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaints where Equifax is adding a balance to my XXXX account which was settled in 2018 yet again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active XXXX  student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. Transunion have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries appear on my credit report, which is a breach of 15 USC 16c-2. I demand the immediate removal of these errors.
Product: Money transfer, virtual currency, or money service

PNC Bank has admitted ( via recorded phone call ) that they accepted my Economic Stimulus Check on XXXX ; Then rejected it. then shredded it ; then lost the copy. They refuse to share the copy/ image with me. They never contacted me about this and they have also admitted that their " return '' and communication policy is ineffective. It's been 5 weeks. 

They have admitted that they have never contacted me to alert me of this issue. 

They have also admitted that their procedure to address this issue is ineffective. 

They refuse to deposit/ issue/ cash out my funds and they refuse to report this issue to their corporate security department for a potential theft or fraud investigation. 

THey also refuse to accrue interest while this matter is being addressed. 

They've also refuse to inform me that this matter is being addressed on their end. 

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

I had a auto loan with this lender and in XX/XX/2023 it was reported to all 3 credit reporting agencies I was more than 30 days late but that was not true. My payment was due XX/XX/2023 and the payment was made on XX/XX/2023 which is 29 days past the due date but not over 30. I filed a dispute with each credit reporting agency and they were all corrected however the credit union continues to report the XX/XX/2023 payment as more than 30 days past due which is clearly incorrect. I have had to contact them and Transunion several times over the past few months and the credit union keeps claiming they did not report this information to any of the credit reporting agencies. However when I contact Transunion they tell me the credit union keeps sending them this false information. The most recent contact with the credit union and Transunion was XX/XX/2023. 

I need for the credit union to fix this error on my account and advise them that they can not report a payment as more than 30 days past due unless that has actually happened because it also appears that once the month changes ( XXXX to XXXX for example ) their system automatically reports the payment as over 30 days late without actually counting the number of days it's late which results in constant incorrect reports to the credit agencies. This practice harms consumers and is grossly inaccurate which damages consumer 's credit unnecessarily.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your

interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Consumer Loan

instaloan lied and told me my interest was a 2.5. % they says there is an " optional '' insurance if you do n't have insurance ( i have full coverage ). the insurance adds $ XXXX per month on top of the loan and then they say that it goes into the interest. they will not provide me a loan summary, interest summary, or an explanation and break down of monthly charges. i have asked 4 times for the information to be faxed to me and they never have. i receive no monthly bill or documents detailing the fraudulent charges. i refused to pay the loan until they adjust the fake insurance they tack onto the loan and proved me the details of the loan as required by regulation for loan originators. They keep telling me that they insurance is " optional '' but they would n't accept my insurance information or allow me to deny that fake insurance coverage. im contacting an attorney and also the department of justice in relation to this company. they have countless consumer complaints through various internet and consumer sites. this seems to be a sham loan company and consumers are being taken advantage of., i contacted insta loan 4 different occasions and requested documents to be faxed and have received no response. i spoke with XXXX XXXX, who hung up on me when i requested ( for a fifth time ) for the loan documents and interest summary to be faxed to me. they refuse to give me any information on the loan. they refuse to provide any information but expect me to pay a fraudulent insurance on top of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked today ( XXXX ) with Equifax and they believe that I was affected by their recent data breach.
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.

US DEPT ED XXXX, DEPTEDXXXX XXXX*, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : ACS 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : XXXX