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

I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report Equifax XXXX XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

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

Td bank refused to report our good credit on mortgage we have had for 18 years they stopped reporting in 2015 we have called many times to ask our payment credit be reported yet they still refuse to report it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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

I have submitted multiple disputes to TransUnion, Equifax, and Experian requesting the removal of outdated and inaccurate addresses from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite these lawful requests, all three credit bureaus have failed to update or delete incorrect personal data, which constitutes willful and negligent noncompliance with federal law.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of consumer information. The continued reporting of outdated addresses violates this requirement and creates potential legal liability under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). These violations entitle me to statutory damages, punitive damages, and attorneys fees.

Furthermore, their failure to correct this misinformation conflicts with UCC 1-308, which allows me to assert my rights under full reservation of applicable consumer protection laws. If this issue is not rectified immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action as permitted under 15 U.S.C. 1681p.

I demand an immediate investigation and permanent deletion of all outdated addresses from my credit file. Continued failure to comply will result in formal legal action.
Product: Credit reporting or other personal consumer reports

Disputed accounts and inquiries on my experian, XXXX and XXXX credit report that was invalid and not owed. They did not investigate the disputes properly. With me receiving responses to my dispute in 24 hour. When I reached out to the companies. They stated no credit reporting agencies contacted them about my disputes. According to the fair credit reporting act. This is illegal. Experian, XXXX and XXXX did not do their due diligence.
Product: Debt collection

This account has been disputed several times and asked to validate with no success. This collection agency is not licensed to collect debt in the state of Texas where I reside. They are fraudulently reporting a fraudulent account to all three credit bureaus and I want the account removed from my credit files.
Product: Mortgage

Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Checking or savings account

There was a fraud alert sent to my email which I responded to immediately. I shut off my card then marked it stolen. Some of the charges were stopped but not all. I filed, the same day, a fraud claim for all of the unknown transactions. Unfortunately, {$130.00} fraudulent charges from XXXX 's XXXX in AR still posted to my account. I live in AZ not AR and I do not do business with this merchant. My claim was declined stating I used my pin. I made a transaction the same day in AZ so there is no way I was in AR. I escalated the situation again with still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed inquiries in the past and even recently and they are still reporting! I have become a victim of your credit inquiry issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an XXXX XXXX account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

Cap 1 - Inquiry from XX/XX/XXXX Cap 1 - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX, XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXXXXXX XXXX - XX/XX/XXXX ^ notice no debt has or will be established with any of these creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below do not belong to me. I did not authorize or make any of the below : XXXX. XXXX XXXX XXXXXXXX. Opened XXXX XXXX. Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account Number : XXXX - I called them and they told me this is child support. I do not have any children. XXXX. The below XXXX inquiries are not mine, I did not authorize or apply for credit. XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I am demanding this is investigated and removed.
Product: Credit reporting 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. 

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 All these accounts have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 USC 6802b ( 1 ) ( b ) States : the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ( Opt Out option was not disclosed or was i ever given notice )
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below: 

XXXX	
90 days late as of XX/XX/2016

XXXX
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

XXXX	
90 days late as of XX/XX/2016

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit card

XXXX {$750.00} Transaction is fraudulent and unauthorized by me. As this was noticed due to credit score decrease.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

Case XXXX Bank of America FHA foreclosure case has been removed to Federal Court under federal question Is an approved FHA lender required to follow Federal HUD regulations that requires the lender to contact by mail, phone and face to face with mortgagors PRIOR to filing foreclosure and remit proof the regulation was followed when ordered to do so in court?
Product: Credit reporting 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$44000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX  Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX
Product: Debt collection

Midland Funding LLC sent false debt collection information to XXXX XXXX XXXX Attorneys. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the Attorneys office and they are suppose to remove this false claim from my name. What upsets me the most is that Midland Funding LLC assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.
Product: Mortgage

I have a home for a year now .the bank claimed my taxes increased I showed them the proof from my city that it did not and they refuse to rectify it. I have gone back and forth for a month now. I am aXX/XX/XXXXworking covid cases and a single parent .This is abuse from the bank. I have never missed a payment.
Product: Credit card or prepaid card

Bank of America changed its policy about accepting payments My payments were REFUSED In person at the branch When I called to inquire as to why my credit limit was decreased THEY DID AN UNAUTHORIZED inquiry dropping my credit score lower!! 
When I expressed I wanted to close my acct and end business with this criminal organization they threatened it would further ruin my credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly a collection to Equifax ; XXXX and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent a letter to EQUIFAX regarding some inaccurate and alleged debt. its been over 30 days and i have not received a response. EQUIFAX is in violation of Section 611 ( a ) which states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I XXXX XXXX was also a victim of the EQUIFAX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding TransUnion and Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681b ) Dear CFPB, I am writing to file a complaint against TransUnion, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) in three separate instances, specifically 15 U.S.C. 
XXXX. 
First Issue : Inaccurate Information - Deleted Account and Remaining Hard Inquiry I successfully disputed an account on my TransUnion report. I provided all the necessary documentation, and TransUnion confirmed the account was deleted. However, they did not remove the hard inquiry associated with the deleted account from my report. 
According to the FCRA, permissible purposes for a consumer report include reviewing an account to determine if a consumer continues to meet the terms ( 15 U.S.C. 1681b ( 2 ) ( A ) ( ii ) ).

Since the account was deleted, there is no longer a valid reason for the hard inquiry to remain on my report. Its presence is misleading and can negatively impact my credit score. 
Second Issue : Inconsistent Treatment of Documentation and Discriminatory Practice I submitted all the documentation and explanations TransUnion requested regarding the disputed account, including proof of its deletion. However, TransUnion rejected my documentation solely because I mailed it from my workplace address, claiming it was from a " third party. '' This claim is demonstrably false as I am employed there. 
Furthermore, I have previously mailed documentation from the same workplace address to TransUnion, and they accepted it without issue. This inconsistent treatment highlights the lack of justification for rejecting my recent dispute documentation based solely on the mailing address, which appears to be a discriminatory practice. 
Third Issue : Inaccurate Information - Balance In a separate dispute, I identified an incorrect balance of {$89.00} associated with a specific creditor on my TransUnion report. The original balance was incorrectly reported as {$480.00}. I contacted the creditor directly, and they confirmed the error and submitted documentation to TransUnion indicating a corrected balance of {$0.00}. However, TransUnion continues to show the incorrect balance of {$89.00} and the related hard inquiry on my report. This discrepancy is reflected only on my TransUnion report, as both XXXX and XXXX have updated theirreports with the corrected information.
Product: Bank account or service

I have recently checked my consumer credit report, I have contact the credit bureaus, I was instructed to contact you regarding these hard inquires made on consumer report WITHOUT my expressed written or verbal consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed a collection account on my equifax credit report twice and they have not removed the account, claiming the debt was verified. However, the collection agency is in complete violation of consent order ( file no. XXXX ) article 8, sections 119-120 which prohibits XXXX XXXX from initiating any lawsuit unless in possession of and can provide a chronological listing of the names of all prior owners of the debt and the date of each transfer of ownership of the debt, beginning with the name of the creditor at the time of charge-off. This account has been deleted by XXXX due to the fact that the court case was dismissed based on the fact that they never provided me with any chance to dispute the supposed debt when they pursued a case against me on XX/XX/2017. In a phone call the collection agency claimed they sent one letter prior to opening a case with me, but they have no proof that I was in receipt of any such letter as it was not sent via certified mail.

They have also failed to prove that a meeting of the minds ever occurred between myself and XXXX XXXX. In contesting the debt, on multiple occasions, I have cited a Lack of Privity and XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing in regards to my credit reports. Citing the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and 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. '' KIA FINANCE AMERICA is a financial institutions 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. '' KIA FINANCE AMERICA, any 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 in regards to this account to KIA FINANCE AMERICA, XXXX, XXXX, XXXX, 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. '' KIA FINANCE AMERICA 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. '' These accounts are adverse items they are reporting 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 and XXXX 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 in regards to this account with KIA FINANCE AMERICA
Product: Credit reporting, credit repair services, or other personal consumer reports

My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX  XXXX XXXX XXXXXXXX XXXX # 2 XXXX XXXX {$0.00}, # 3 XXXX XXXX XXXX {$2700.00}, # 4 XXXX XXXX {$0.00}, # 5 XXXX  XXXX {$0.00}, # 6 XXXX/ XXXX XXXX {$0.00}