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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name XXXX, Equifax, XXXX have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/17 {$220.00} I have received my reports and noticed a third party collection agency was reporting as a open status I have never received a letter or do not even know this company, recently I have been recieving repetitious phones calls intended to be annoying different times of the day from different numbers telling me I need to clear up a debt I know nothing about, I tried reaching out asking them to validate this debt they will never send me anything back in writing they will start calling again from a different number, I would like for this company to provide me signature with me giving a provider permission to share my information with a third party since they claim this debt belongs to me
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out my formal complaints to XXXX, XXXX, and Transunion regarding the incorrect information that has been reported on my credit reports after sending out my round two disputes on around XX/XX/XXXX, Everything was sent out with a copy of my drivers license, social security number, utility bills, my name printed and my signature all sent certified mail. I received some letters back stating it was missing this information then received letters stating that my disputes have been received. I feel as though the credit bureaus are stalling to provide me with the requests that I have made or refusing to delete the inaccurate information based off the information. 

It has been well past the 30 days allowed for the credit companies to supply me with the information requested.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/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 or other personal consumer reports

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. 

ACCOUNT : XXXX XXXX XXXX XX/XX/XXXXXXXX
Product: Mortgage

On XX/XX/2022 I submitted an application to refinance my home with Lower.com. I advised XXXX XXXX that there were XXXX loans showing on my credit that were not mine ( they belong to the church that I am the financial officer for ). He told me that this was not a problem, that I would only need to submit bank statements from the church, showing where it is paying the loan and I did that. Fast forward a few weeks and I am told that is not enough, so I went to the bank, had the bank President write me a letter stating that the commercial loans were not mine and that they would be promptly removed from me credit report. I submitted the documentation to Lower.com and they said they had already made a determination based on the loans showing that I had been denied the loan. 

I ask what can I do now, and I was told that the loan application had been closed and that he could redo the application and everything should be fine. After numerous attempts to get to the closing table, Lower.com 's underwriters would not take in to consideration the fact that these items had been removed from my credit and that I had provided more than plausible explanation and documentation for the loans. 

After going as far as having the title clear to close, the appraisal and fulfilling every single requirement that was asked of me through XXXX loan applications, I am told by XXXX XXXX that he " doesn't think they are going to be able to make it work ''. I asked if they had pulled a new credit report and was told no they hadn't ( I already knew this because I monitor my credit on multiple platforms. ) I asked why they could not pull a fresh credit report, and was told that they would. THEY NEVER DID! Then I was told over the phone that they weren't going to be able to make the loan work. 

I was given two months of runaround by Lower.com which resulted in me having to work with another lender, all the while interest rates are climbing. I was locked in at 4.00 % and honestly think that they did not want to honor the interest rate lock and shut me down because of it! I never received any documentation stating a reason that the loan had been denied, as XXXX said. 

Seeing how I was not going to get anywhere with Lower.com, I went to XXXX XXXX to get a rate locked in with them. By this time, the best rate I could get was 4.99 % because of the climbing interest rates. By Lower.com doing this to me they have cost me over {$20000.00} over the life of the loan. I am beyond outraged with them and their lack of diligence. I had to contact XXXX 's supervisors on at least XXXX different occasions to get a call back from him. The last time, I was contacted by someone who represented himself as " a Vice President '' and was told that he would take over the account and work with me from thereon, and that after speaking to XXXX he would call me back by the end of the day. Well, the end of the day apparently still hasn't gotten here two months later.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Refusal to Pay To Whom It May Concern, I am writing in response to your attempt to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am formally notifying you that I refuse to pay this debt and dispute its validity.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector must cease all further communication except to confirm the termination of collection efforts or to notify the consumer of specific legal remedies. 

XXXX. XXXX XXXX Acct. No. : XXXX Additionally, under the FCRA and FDCPA, I request the following : Validation of Debt : If you believe this debt is valid, provide complete documentation to prove its legitimacy, including the original creditor, account details, and proof that this debt is collectible under applicable laws. 

Immediate Cessation of Reporting : If you can not validate this debt or establish its legitimacy, you must cease reporting it to any credit reporting agencies, including Experian, XXXX, and XXXX, as an unverified debt violates the FCRA. 
Notification of Resolution : Confirm in writing that this matter has been resolved and that no further collection actions will be taken. 

Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under federal law and may result in legal action against your agency. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office if necessary. 

This letter serves as my final notice to dispute and refuse payment of this alleged debt. I look forward to receiving written confirmation of compliance with this request. 

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

In accordance with the fair credit Reporting act XXXX acc # XXXX Has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

dear 1- MEDICAL BUSINESS BUREAU claims that I owe them {$500.00}. 
they never send me any bills or comunication. I did not receive any official notification about having the bill will go to a collection! I did not hear about this company before.

2- this company harms me by reducing my credit score 47 points costing me an increase in my car loan I am attempting to take this is cost me an extra {$3500.00} in my car loan i going to take.

3- MEDICAL BUSINESS BUREAU it is unethical to do that to people the should remove this record from the credit report for unfair act and miss communication.

4- before adding something to the credit report they should have communication explaining the situation what is my rights and my obligations.
Product: Student loan

I requested a refund of student loan payments made during the XXXX  forbearance on XX/XX/2023 through Mohela, which I assumed was processed since the amount I paid was added back to my student loan balance. When I requested from Mohela the status, they tell me to contact the US Treasury. There is no one to contact. I contacted XXXX, they say to call Mohela. I even filed a complaint with XXXX  and have gotten no response. 

No one can tell me where my refund is, although it has been added back to my loan and I'm paying interest on it. It has been over XXXX  days. The amount was approximately {$6400.00}.
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 this account 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to call Transunion every day 2 and 3 times a day about whats going on and have even spoken to supervisors that has no clue about what to do. Most of the people i have spoken to are based in a foreign countty and there is a language barrier. I spoke to a XXXX rep today after holding for hours that stated that my account with XXXX XXXX XXXX XXXX was not supposed to be removed from my transunion credit report and didnt know why it happened. He then said a code was next to the account that he had never seen before so he attempted to transfer me to a special department and it hung up. I proceeded to call back with no luck. People are tell me that they cant replace the positive account, which was my longest line of credit, back on my report. Im devastated! Why did this happen. I never ask them to remove this account. With everything thats voing on with the equifax breach i am worried. Where is my account. They also are saying they cant put it back which is not true because they are still able to pull up the account. I need my account back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax to inquire about hack.
Was lead to website which would not accept my SS #.
Was told there was a problem and was disconnected.
Called back and have been on wait for almost 60 minutes now, still waiting!
I wanted to freeze my credit report and am not capable using telephonic and internet attempts. Please freeze all my credit as all my personal information has been provided to hackers by Equifax.
Product: Credit card or prepaid card

MY EX WIFE XXXX XXXX XXXX IS USING MY INFORMATION TO RECEIVE CREDIT CARDS AND OTHERN LOANS IN MY NAME. I'VE CONTACTED CITI SEVERAL TIMES AND THEY STATED THERES NOTHING THEY CAN DO. XXXX XXXX XXXX MY EX WIFE SINCE XX/XX/2015 HAS ALSO OPENED BANK ACCOUNTS IN MY BANK WITH LINES OF CREDIT. THOSE CREDIT CREDIT ISSUED BY CITI BANK ARE FRAUD.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.
Product: Checking or savings account

On XX/XX/XXXX, my online account with Current backing, or XXXX  XXXX, was hacked, then the hacker proceeded to transfer my savings to my checking, and then go to a XXXX in XXXX XXXX, FL, I live in North Carolina, and withdraw all of my money. It was 2 different transactions at 2 different XXXX. One was {$510.00}, and the other was XXXX. There was even a transaction for {$770.00} that I was able to cancel as soon as it happened by resetting my pin because I was watching this hacking happen on my account in real time. I contacted Current via their online support chat and immediately disputed the charges. They opened a dispute, then a few days later I get an email that they decided not to refund the funds to my account. I appealed this and immediately received another email that they looked into it again and decided they would refund my funds. Never got them. I followed a police report as well in that city in Florida and I have a copy of it. They got camera footage of someone using the atms to take my money, however could never identify them so no charges against anyone were made. Nonetheless, my money was stolen. Now, just today I reached out to current to find out whats up and they never actually appealed the dispute and they would not without more evidence besides a police report. I dont have more evidence because I dont have receipts because it wasnt me. I police report is plenty evidence.
Product: Vehicle loan or lease

My car have been repossessed after I was in an accident involving a deer. I got it fixed but XXXX XXXX was threatening me that they was gone take me to court if I didnt come up with XXXX for the car that was repossessed. XXXX XXXX trying to make me pay for the car that they repossessed when I dont have that car anymore. My car note was XXXX now Im paying XXXX for my new car note but I need help with the lease and trying to get my tag and insurance as well. Til this day Im still getting letters in the mail from XXXX XXXX saying if I dont come up with the XXXX theyre tryna make me pay for the car they repossessed then were going to settle everything in court. I also have another gave thats under credit acceptance and not too long ago about a week or XXXX ago they came to my house and pulled my car without me knowing anything saying that I was late on paying my car note when I wasnt late at all. Then they tried to put my car up for auction and told me that in order for me to get the car back I would have to pay the XXXX upfront the same day as they took it or else I wont have that car anymore. I ended up paying XXXX just to get my car back.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered Experian, XXXX or XXXX have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Checking or savings account

I received a mailer to my address, and addressed to me, advertising a {$300.00} bonus for opening a Chase Total Checking account. I went online to Chase.com and entered my information, social security number, driver 's license number, and Chase told me that they couldn't open an account on my name without explaining why. I've never had any issues, bankruptcies or negative accounts with any institution whatsoever.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.
Product: Credit card or prepaid card

Unsure of exact dates. Account was opened in my name. I have no information on account or have received account information. Was notified by XXXX that there was an open delinquent account. Disputed account but creditor would not resolve, stating that all the information they have on file supports I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information being reported on my consumer report resulted from identity theft. Ive never provided you or any furnisher written instructions in accordance with the Fair Credit Reporting Act to furnish anything to my consumer report without my consent. I have kids and trying to better my life for me and them, but it has been a struggle for me. Due to your unfair credit reporting methods that's damaging my reputation which is vital to me for being able to properly operate in commerce. Please fulfill your vital by exercising your grave responsibilities with fairness and respect my consumer right to privacy.
Product: Debt collection

I got a call at XXXX XXXX. I did not answer. I looked up the number online and see people saying that the company is pretty bad, aggressive, rude, ect.
Product: Checking or savings account

I noticed an unauthorized transaction that was debited from my account that I didn't authorize. 

I don't know who this company is and I definitely didn't authorize a payment by phone. I had to pay my bank for a stopped payment and this company should pay this plus other penalties as per law. 

I've never had an contract with this company in the past or present and they should be held accountable for taking money out of my account and saying I authorized it by phone. 

I had to find this company by an extensive XXXX search and I wasn't able to get any help. 

If they have done this to me, I can only imagine how many others feel victim and weren't able to get any relief.