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

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL -Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

Money was transferred and never received on my end and when I called to get information I was given the run around. And just loss out on money XXXX dollars in total
Product: Debt collection

Diversified Adjustment Service , Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature
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 USC 1681. 
XXXX acct XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 a. Stateside have the right to privacy 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a accout without my written consent.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any report containing any of the following. Items of information any other adverse items of information. Other than records of convictions of crimes which out dates the report by more than 7 years.

15 USC 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows
Product: Mortgage

I am submitting this complaint as a Housing Counselor on behalf of the Homeowner 's family : The Estate of XXXX XXXX. I am working with his wife XXXX and his daughter XXXX. XXXX 's email is : XXXX. Please include her with responses. 

XX/XX/2021 XXXX offered a permanent modification for the mortgage post COVID XXXX The 3 trail payments were made ; the first payment was made w/ funds from the suspense account + a phone payment. The 2nd 2 payments were made via phone payments. The permanent modification was not complete. The loan was transferred to Freedom XX/XX/XXXX, XXXX Freedom has not acknowledged the perm modification, although we have discussed and they have provided a payment history that verifies payment.
Product: Student loan

I am in my grace period after graduation. I noticed that XXXX of my XXXX  student loans ( groups XXXX and XXXX ) were accruing interest. They should not be accruing interest while in grace ( e.g. see groups XXXX, XXXX, XXXX, and XXXX, which are correctly showing XXXX interest ). I sent a message to the company and haven't received a response. I'm unable to reach the company by phone.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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

XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries related to identity theft blocked and removed from my credit report.

Please take the necessary action to block and permanently delete the following information from my credit report : Accounts : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears my file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 or information which is found to be opened 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 ( learned through more research both parties require ). Please discard these files. 
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  If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX- Removal date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX NA- Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX   CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX CARD- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX   XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX NA-Inquiry date : XX/XX/XXXX 2018
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under
an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted JEFFERSON CAPITAL regarding this debit and that I don't owe this and had a very default time..

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act.

Reporting inaccurate information is also a violation of the FCRA.

I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters.

PEASE SEE ATTACH DOCUMENTS
Product: Credit reporting or other personal consumer reports

my name on my credit report is incorrect my name is XXXX XXXX XXXX I ask them to update my information and they have not responded
Product: Credit reporting or other personal consumer reports

KIKOFF LENDING LLC Charge Card with account # XXXX opened on XX/XX/year>. This was there response nothing I asked for was done on this account per USC Law.

As a lender we must respond truthfully to the bureaus and therefore can not grant this request. We have shared the status and balance of the account and provided the options to take with the account should the consumer choose to take those actions. We have supplied documentation on the account history and have invited the consumer to contact us via email should they have any questions This company stated they want to be truthful to the bureaus, XXXX, XXXX and XXXX are agency with a XXXX # not a bureau. So this company stance is truthful to the bureaus but not truthful to the laws of the land. Please review the violations per law. This company did not reach out to me with any options. 
15 USC 1681 1681 I 1A,15 USC 1666B,15 USC 6801 ( 6802 ), 15 USC 1681 ( 602 ), 15 USC ( 604 )
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies on my credit report involving accounts with XXXX and the XXXXXXXX XXXX XXXX XXXX. These accounts, listed under CFPB complaints # XXXX and # XXXX, remain unverifiable and inaccurately reported despite prior investigations. Under 15 U.S.C. 1681e ( b ), reporting agencies are obligated to ensure maximum accuracy, and any unverifiable information must be deleted promptly as outlined in 1681i and 1681i ( 5 ). The continued presence of these accounts violates the Fair Credit Reporting Act ( FCRA ), as these inaccuracies persist even after the prior disputes were completed.

attached are : - 2 credit reports, 1 before and then after the complaint.

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

The background company Checkr is not pulling in the correct information from the NJ Motor Vehicle Commission. I applied for a driving position with XXXX. XXXX used Checkr as the background verification company. The company sent an adverse action stating the main reason were two items listed on the report as operating during a suspension period on XX/XX/2017 and XX/XX/2017. I contacted MVC and confirmed that the XXXX item is a notice of scheduled suspension and the XXXX item is the actual suspension. I contacted the background company and explained this to them. They required me to obtain this detail from MVC and send it to them. This cost me {$15.00} to obtain an abstract and send it in. My position is that if the company is hired to provide accurate information, they should work with the agencies to understand what all of the codes and events are and report them accurately. Checkr has not done this. I am requesting assistance from the CFPB to enforce this so that not only this company is held to the standards setup to protect consumers, but other companies as well.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my reports and saw the following fraudulent items that do not belong to me as well as the following inquires. I have disputed and the items always come back " verified. '' There are also multiple new inquires on my credit report that I did not initiate : Accounts to be removed : 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: Checking or savings account

On XXXX XXXX2020, I called Regions Bank in XXXX, Texas and I talked to XXXX and he told me that if I came in before the XXXX of the month my Social Security Check would go into my account. So myself and my daughter went there and opened a checking and saving account on XXXX XXXX. And XXXX at the branch, helped me and my daughter with this, and XXXX said that she would take care of everything and make sure that my Social Security check went in direct deposit. On XX/XX/2020 and my check was not in my account and Regions Bank just makes excuses and won't do anything about this problem. And talked to Regions Bank on XXXX XXXX2020 and still they refuse to make this situation that they caused to make it right. A supervisor told me on XXXX XXXX2020, that the corporate / executive office would not call me regarding this matter/mess that Regions Bank did to me.
Product: Checking or savings account

XXXX XXXX. 

i have more than a year in a really bad hardship due BANK OF AMERICA report my account to XXXX and EARLY WARNING SERVICES like account was FRAUD SUSPECIOUS. 

so perfect i call bank of America and they transfer me to risk department and i ask why they put that and they say they receive a transfer by e-check or payment by account and routing with other name. and i say ok. but i don't know about this payment why you didn't call me. they say ''ohh we don't call ''. my next question was where is the money. they say ohh payment was returned. i said ok. so why you report me as a fraud suspicious if is clear someone stole my identity or my info. 

the thing is that's not fair make a hurt my history for a transfer that i didn't made, i didn't take this money and THEY KNOW IS LIKE THAT because they don't have any prove that i try to make a fraud. thing is that information report is affecting my in my rights about affect personal finance reputation without evidence. and that's affecting my life and my RIGHTS. as say in the contitution XXXX XXXX XXXX person has the right to the protection of the law against abusive attacks upon his honor, his reputation, and his private and family life. 

i need that's be remove from my reports of ( XXXX and early warning service ) due i didn't commit any fraud or try to do it. if that's didn't affect me I'm fine. but for this little report i CANT open any account more than a year a go. i even cant pay my mortgage or any utility bill by account because i don't have account. i work very hard everyday, and that's not FAIR
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The amount they are stating I owe in debt is {$260.00} on my credit file yet when I call them they state that the amount is actually a much higher over {$1000.00}. I know for a fact that the medical service was not that high as I saw the bill from XXXX XXXX ( I believe the information was archived after the debt was sold to collections as I can no longer see the exact amount ) Additionally, I reached out to the agency telling them that I had insurance at the time ( due to covid it was medicare ) and that they told me it would fully cover the expenses of the therapy. They told me they would call me back over 4 months ago and no information has been updated or given to me as of today. I also sent a letter asking them to verify the debt to which there have been no results. However, XXXX seems to have stated in my latest dispute attempt that they verified and updated my file. The information shown on my file is only of name, address, and amount owed- all of which is relevant to the case. This means there was likely incorrect information regarding the debt that they updated only after my dispute and letter. 

Lastly, I tried filing a dispute through experian multiple times to which they denied me and said that the debt was valid despite me informing them not only on the insurance that I had at the time of scheduling the appointment. They continued to deny me when I told them that the debt was also invalid due to HIPAA as I never gave permission to XXXX XXXX to release my medical data nor signed any documents allowing them to do so. As such I would like to report both XXXX and Eastern Account System
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found erroneous information, in accordance with 15 USC 16c-2, that I believe is harming my credit rating. The listed inquiries were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an item on my credit report listed as Caine & Weiner was removed. It has now reappeared on my credit. 

This item was not verified and valid under the FCRA and by law had to be removed and cease all further collection and reporting actions. This has not been followed. 

This needs to be removed permanently, immediately, and as this is pending legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both were sent documents that showed I was never late on Exeter Finance and they refuse to view my documents and fix the error. The company say that they use the day they process and not the actual day they receive payments and paper work.
Product: Checking or savings account

I was referred to open a checking account. Both myself and the referrer are to receive a {$50.00} gift card after the account was opened and a direct deposit was made. When I inquired about receiving the gift cards I was informed tat I would nit be receiving them since I did not complete 5 debit card transactions within 60 days. The {$50.00} gift card was a referral bonus to open a checking account which was completed and funded.