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

Subject : Cease Unauthorized Credit Reporting Immediately Violation of New Jersey FCRA Identity Theft Fraud Laws Dear Velocity Investment, LLC, I am writing to address a concerning violation involving the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft fraud laws. 

It has come to my attention that Velocity Investment , LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear violation of federal law as outlined in the FCRA, particularly under Section 1681b ( a ) ( 2 ). 

In addition to federal law, New Jersey state law, particularly the New Jersey Fair Credit Reporting Act and identity theft fraud laws, underscores the necessity of consumer consent for credit reporting. Unauthorized access and misuse of personal information are serious offenses under New Jersey law, subject to penalties. 

I assert that I have not provided consent for Velocity Investment, LLC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in addition to disregarding federal and state laws. 

I demand that Velocity Investment, LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance and subject to penalties under applicable laws, including New Jersey identity theft fraud laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, New Jersey state law, and identity theft fraud laws. This is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect Velocity Investment, LLC to promptly rectify these violations and respect my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I saw this account appear on my transunion report. The Creditor listed ( Portfolio Recovery XXXX ) was not anyone I recognized and sounded vague and fake. Filed a dispute with transunion but doesn't appear resolved/anything changed. Contacted the XXXX listed, they only told me to login to an account I didn't have with them then seems to have blocked me from contacting them again. I don't recognize the account and everything about it seems fraudulent
Product: Credit reporting or other personal consumer reports

REINVESTIGATIONS OF DISPUTED INFORMATION 15 USC 1681i ( 1 ) ( A ) ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ). 
if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and TransUnion asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX for XXXX to Investigate and Respond to XXXX XXXX I am filing a formal complaint against XXXX for its continued failure to properly investigate and respond to my disputes regarding an alleged medical debt from Aargon Collection Agency. Despite multiple disputes submitted over the past year, including documentation directly from the data furnisher, XXXX has refused to take appropriate action. 

Summary of Events : Over the past 12 months, I have submitted multiple disputes to XXXX requesting verification of the validity of a XXXX debt allegedly placed by Aargon Collection Agency. 
I provided supporting documentation from the data furnisher itself, demonstrating errors in the reporting. 
XXXX has failed to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. 
Despite my repeated efforts, XXXX has either failed to respond or has provided vague, automated responses without a proper reinvestigation. 

Violations of XXXX Rights : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and provide a response within 30 days. XXXX has failed to meet this obligation. 
Under 15 U.S. Code 1681e ( b ), XXXX is required to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. Their failure to investigate properly calls into question their compliance with this requirement. 
The refusal to respond despite receiving direct evidence from the data furnisher constitutes willful noncompliance, making them potentially liable under 15 U.S. Code 1681n. 

XXXX XXXX : A full and proper investigation into the disputed XXXX  debt. 
Removal of the alleged debt from my credit report due to XXXX failure to verify its accuracy. 
A detailed explanation of the procedures used in their previous investigations. 
Compliance with the FCRA in all future disputes. 

I am submitting this complaint because XXXX inaction has caused financial harm by negatively affecting my credit profile. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance with federal law.
Product: Debt collection

Debt was the result of identity theft. I already attempted to resolve this with the company directly but they refused to remove the amount from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00}
Product: Debt collection

Please remove the collection of my credit reporting agencies XXXX, XXXX, and XXXX for the {$46.00} amount, its already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX5 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 : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of XXXX, XXXX, XXXX and 120 days was incorrectly reported. 
I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

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

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

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

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

XX/XX/2020 Experian. 

This situation is really upsetting by the Non action by Experian, concerning the law enacted by the FCRA. The section is referring to 605B. 

I fail to understand why Experian refuses to block fraudulent accounts, per my rights under 605B.. I sent Experian a USPS certified letter on the XXXX of XXXX, and Experian received this package on the XXXX of XXXX. 

In the letter that I sent Experian, it explains that I am a victim of Identity theft. 

I followed up with Experian by telephone on the XXXX of XXXX, and was told by the representative in the fraud department, that he did not know about laws and he said that he would put the items in dispute, per company policy. I can not believe that a credit bureau would blatantly dis-reguard the FCRA. 

These items are not part of a dispute. They are identity theft ... ...!!. This is clearly a violation of the consumer laws of Identity theft, and the acts that credit bureaus are supposed to follow concerning these laws. 

I have attached my Id Theft information, and a copy of Experians obligations under the FCRA. 

XXXX  and XXXX  have blocked these accounts per my request. 


Here are the accounts .XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX I demand that Experian block these account Immediately!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Self account in error. Payments were made on time before I closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company has violated my rights in accordance with FCRA and has failed to do a proper investigation of this debt. This company continues to report the inaccurate Item called XXXX XXXX XXXX. Upon researching my credit report I noticed a number of Inaccuracy and inconsistencies. For example... 

Example 1 ) Payment status being reported to XXXX as collection/charge off and being reported to equifax as 120 days late. 

Example 2 ) last report date shows XX/XX/XXXX for XXXX and for equifax shows XX/XX/XXXX. 

example 3 ) date last active is also incorrect showing XX/XX/XXXX for XXXX and XX/XX/XXXX for equifax. 

Example 4 ) date of last payment not showing on XXXX but shows XX/XX/XXXX for equifax. 

Example 5 ) the two year payment history has some inconsistencies as show XXXX debt is charged off but is being reported to equifax as ok. 

Example 6 ) How come XXXX report this account as closed but you are still report this as an open account and if an account is closed how can it be in collections still. 

15 U.S.C 1681e section B States whenever a consumer reporting agency prepares a consumer report it shall follow maximum possible accuracy of information concerning the information concerning the individual about whom the report relates. As you can see there are so many inaccuracies and being reported causing detrimental harm to my character. 

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 states a consumer reporting agency can not furnish a account without my written instruction. I did not give consent for you to report this.
Product: Credit card or prepaid card

I am writing today in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant role in this process. I am asking about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

And accordings with the fair credit reporting act convergent XXXX has violated my rights. 

XXXX while I was recovering from XXXX XXXX regarding a single late payment. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A section 2 : It also States that a consumer reporting agency can not Is furnish an account without written Instructions.

15 US 1666B : A creditor may not treat a payment on a credit card account under an open end Consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX city tax liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also XXXX keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after 10 yrs of credit reporting
Product: Money transfer, virtual currency, or money service

Im a user of the app Abra and have just left my crypto in the interest account to grow as its a long term investment. 

I went to make a small withdrawal of BTC from the interest account to my wallet. I opened my app this morning and all my money was gone. 

I then went digging and found this has happened to many people due to some email or already they sent out that I never saw, saying I had to do something before XXXX. 

Ive lost everything, there was no email or to tell me this was going to happen. I found a XXXX thread which said to file a complaint with you to get it back. 

As you can see from my attachment, I sent XXXX Btc to my wallet then this morning they took everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One and others havent been any help.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 in 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. XXXX 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 XXXX 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: Checking or savings account

Someone created fraudulent checks under my name for various amounts totaling {$12000.00}. They submitted these checks at Chase Bank and XXXX Bank in XXXX, NY starting from XX/XX/2023. They also tried to make a wire transfer from Chase to XXXX Bank ( a fake account they opened under my name ) for $ XXXX. This was declined. However they went to a Chase Branch and was able to hijack my account. Change my email and phone number. My accounts were already frozen and Chase made matters worst by giving this person my personal banking account. Now they can see everything in my accounts. I received no alerts from Chase except for a XXXX payment to an unrecognized name. On XX/XX/2023 they made a {$3000.00} withdrawal and wrote another fraudulent check for {$4800.00}. On XX/XX/2023 they were still able to make withdrawal of {$3500.00} and I received NO ALERTS again. Even though my account specifically says no checks to be made. No withdrawals unless at the branch I specify. As a Chase client for almost 20 years, I am appalled that someone who speaks no English can impersonate me. My credit score dropped from XXXX to XXXX. I had to cancel all my cards including debit card because they allowed this person to have access to my account.
Product: Credit card

On today XXXX I texted Goldman Sachs. Spoke with well texted with a rep.for a long time they never answered any of my question. I told them and a supervisor at least 5 times or more that a previous rep told me from Goldman Sachs once my monthly pmt was made any other pmts made would be applied to my balance. I watched my XXXX XXXX  card balance remain the same for days. My payment was misapplied to my monthly pmt which has already been paid. Talked to a supervisor who would not allow me to speak to someone with authority and I was put out on hold a long long time I was hung up on so to speak The supervisor stated my monthly pmt may be lower but couldnt tell me if it was or not couldnt or wouldnt I had to press for answers on everything g with the supervisor and the rep thats how I found out my pmt was misapplied Please help and apply my pmt correctly
Product: Credit reporting or other personal consumer reports

Well I have tried numerous of times to discuss my situation which I just got released from XXXX inXX/XX/2021 and have been XXXX since XX/XX/2011 so it's no way I should have any collections or/ and debits or anything at which if and when an account was created open or whatever it is Fraudulent and I demand it to be removed from my credit report cause I'm not able to get absolutely nothing being free from them shackles and restraints and restrictions of authority only to come trying to be a better citizens and a better person to someone else mess running around here acting like they is I ... XXXX when im being told to get thus grass with a hoe tool or pick it by hand
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

SLS is refusing to help me fix my mortgage, give me an affordable rate and or to even review me and my financial situation for any type of mortgage assistance. i continue to be told that because the type of loan i have i am unable to afford my home. if that was the case then why give me a mortgage? SLS is telling me i can not afford the loan without reviewing my income documentation and financial status. they are not even allowing my information get to the investor and are making decisions without their consent. I lost count how many times i have sent them my financial and modification application for them to review me and they have literally told me they will not offer me a modification as much as they have told me the will not review my documents. i need all the help and support i can get to make them give me assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( 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 written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX XXXX AND TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.