23daVinci/CFPB_Complaints huggingface dataset:
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  XXXX XXXX Account Number : XXXX Account Name : Untitled 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: 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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX and XXXX XXXX.
Product: Debt collection

I would like to verify my debt and therefore I am writing to request an itemized bill for the medical services or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. Also I ask collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 
According to federal law 15 6802 no financial institution can not sell a consumers information to a third party agency. 

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report. 

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX 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 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: Credit reporting or other personal consumer reports

I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : Southeast Toyota Finance DBA World Omni ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you Southeast Toyota Finance DBA World Omni are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit report immediately.
Product: Debt collection

I'm formally notifying your company that if the situation isn't rectified within XXXX days, I'll file a complaint with the FTC. You must respond within XXXX  days as required by law. Non-compliance may result in fines of up to {$1000.00}. Please provide the requested documents within XXXX  days to avoid further action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both XXXX and Equifax of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both XXXX and Equifax will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.
Product: Credit reporting or other personal consumer reports

No credit score shown on my credit XXXX many anomalies, but things are now starting to make a little sense. 
Over the course of XXXX or 6 years, I believe my personal information was shared with a third party ( XXXX XXXX XXXX XXXX, and whomever else, and and provided to the XXXX XXXX of my past employers resulting in adverse actions being taken against me. I believe these actions to not only be illegal, but also unconstitutional, including but not limited to multiple employer background checks being run without written consent and legal protocol resulting in smear campaigns, workforce discrimination, organized stalking/surveillance, unfair treatment, workforce harassment, job search blacklisting, and even termination under pretext.
Product: Debt collection

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :
Product: Student loan

I submitted several income driven applications to great lakes borrowing services which supposedly took " several months '' to process. Within this time period I was informed that there where no payments due as I was still in deferment. After submitting the first application on XX/XX/XXXX I patiently waited for the application to be processed, which thru many phone calls I finally determined months later after receiving not a single item of mail, that they had " no record '' of me even filing a application! So of course I then filled out and mailed yet another application from their website on XX/XX/XXXX. I followed up with many phone calls to find out a status, the whole time again being told my app was " under review ''. Now finally about 5 months into this process I am told that my loans are now in a delinquent status and my account would closed and sold to collections if I did not pay the full amount immediately, which by the way had mysteriously gained interest while in deferment!! I made many attempts to set up some sort of payment arrangement with them to no avail. 

Next my account was sold back to the us dept of education, who from what I can tell immediately sold it to a collection agency, and now I'm just finding out that they are taking my full federal tax refund through something called a treasury offset!! This all seems rather illegal, uncalled for, backdoor, and downright authoritarian if you ask me but what do I know? My wife and I have a child on the way and we where really counting on our refund this year please let me know if there is anything you can do to help. 

Thank You, XXXX
Product: Credit card

I have a CareCredit credit card. I used the card in XXXX. Made a payment more than the minimum every month. They have charged me three late fees in XXXX and XXXX. They said I made the XXXX payment too early ( XXXX ). I paid the account in full on XX/XX/year>. I was charged late fees for XXXX as well. My due date is the end of the month. I made a payment every month before the due date. I called them and they refuse to take off the late fees. CareCredit uses Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following XXXX XXXX and XXXX compliance protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.
Product: Debt collection

My personal information was effected by the data breach as a result my credit reputation and worthines has been severly and irrevocably damaged. These are some of the alleged debts that are not mine. 

XXXX ) XXXX XXXX no acct number, amount {$1100.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amount {$7100.00} XXXX ) XXXX XXXX XXXX, Acct XXXX XXXX, amount {$28000.00} XXXX ) XXXX XXXX XXXX, XXXX acct XXXX, amount {$610.00} XXXX ) Five Hard inquiries XX/XX/2020 ; XX/XX/2020 XXXX ; XX/XX/2020 XXXX ) Twenty one Soft inquiries
Product: Credit reporting or other personal consumer reports

After checking my credit report my mortgage holding is reporting information thats stopping me from being approved for credit card, XXXX card. i applied for a loan modification do to XXXX it was approved the report reading loan modified under federal government plan. the statement is hurting my credit thats my personal busniess and should not be shared with out my permission, such reporting hurting my credit also on XXXX credit report showing no late payments on XXXX showing late doing loan modification this is not right, several letters been sent to cXXXX XXXX also all XXXX credit reporting this needs to be corrected also updated to all credit reporting company and letter sent to me showing what action was taken to fix this issue ....
Product: Debt collection

My wife 's cell phone ( not even my phone ) keeps getting calls from people asking for me, who will only give their first name, and refuse to say what the nature of their business is with me. When we call the number back ( they use several different numbers ) it is all from a Debt Collector called " Portfolio Recovery Associates. '' They have been told that I do not owe them or anyone else any unpaid debt and to stop calling my wife 's cell phone. I had to disconnect my house phone due to the harassing nature of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been holding my credit file XXXX. They are demanding for me to agree to a mobile identity verification process. They are demanding that I give them a photo of me in order to dispute incorrect info that is listed in my account. I have also been locked out of my online account for about a year now. I have called and written letters and they are refusing to release allow me to dispute any credit information. Demanding a mobile verification to allow me to dispute my credit file is a violation of my privacy and consumer rights!
Product: Mortgage

I have been unable to get any answers, for months, from Mr. Cooper as to why they have not applied my mortgage payments to my loan after a Chapter XXXX hardship discharge. I have never missed a mortgage payment. I have received threatening letters of foreclosure if the current amount of {$5300.00} is not received in full which has caused much anxiety and many sleepless nights. I continue to get the runaround from Mr. Cooper as my loan specialist, XXXX XXXX, acknowledges this is an issue within the bankruptcy department but yet is unable to answer any of my questions. Again, I have been trying to get answers for months but to no avail. 

Looking over the accounting from Mr. Cooper of posted payments, there is a holding of {$7300.00} on XX/XX/XXXX in unapplied funds which is more than enough to cover the said owed amount with a surplus. Mr. Cooper has stopped applying payments to the balance of my loan and have not applied payments correctly throughout Chapter XXXX. Today I received a foreclosure letter from the attorney representing Mr. Cooper. I can not lose my home due to this lenders error or unwillingness to give me requested information. 

Mortgage was current when Chapter XXXX was filed, and I was paying direct.
Product: Debt collection

Subject : Debt Validation Request Under Section 312 of the Fair Credit Reporting Act ( FCRA ) Dear Bank of America I am writing regarding the account referenced below, which has been reported to my credit file or otherwise claimed to be owed by me. I request validation of this debt in accordance with Section 312 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Name/Number : BANK OF AMERICA XXXX XXXXXXXX Original Creditor : Bank of America I require the following information to verify the validity of this debt : 1. Validation of the Debt : Documentation demonstrating that I am legally obligated to pay this debt, including a copy of the original agreement or contract signed by me.

2. Details of the Account : A full accounting of the amount allegedly owed, including the original balance, all interest and fees applied, and the calculation used to arrive at the total amount.

3. Ownership Proof : Evidence that you are authorized to collect this debt.

4. Credit Reporting Information : Details on how this account is being reported to credit bureaus, as required under Section 312 of the FCRA.

In addition to the above, I am requesting clarification regarding any 1099-C ( Cancellation of Debt ) associated with this account : If the debt has been canceled or forgiven, please provide a copy of the IRS Form 1099-C issued for the cancellation of the debt.

If no such cancellation has occurred, please state so explicitly in your response.

Under the FCRA and FDCPA, you are required to ensure that all information you report is accurate and substantiated. Until I receive the requested validation and documentation, I request that you cease any collection activities, including reporting the debt to credit bureaus.

Please consider this a formal dispute of the debt until sufficient evidence is provided. If you can not verify this debt within 30 days, you are required to remove it from my credit report and cease further collection efforts.

I am requesting all correspondence and documentation to be sent to me at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.
Product: Credit reporting or other personal consumer reports

Experian along with XXXX XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX, along with XXXX XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, along with XXXX XXXX, has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's, XXXX, along with XXXX XXXX, inaction violates federal law and my rights as a consumer. Accounts, XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$3800.00} XXXX XXXX XXXX XXXX  along with XXXX XXXX XXXX {$820.00} just XXXX XXXX XXXX which I have never in my life lived in that state or any other state, except for Illinois
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$1600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against companies for similar violations. 

The rapid turnaround time of TransUnions responses suggests that no meaningful review of my supporting documentation was conducted. Instead of engaging in a proper reinvestigation as required by law, TransUnion appears to be relying on automated or superficial verification processes that fail to address the substantive errors I have identified.

As a result of TransUnions failure to investigate my disputes adequately, I have suffered financial harm, including but not limited to denial of credit opportunities, higher interest rates, and damage to my credit reputation. TransUnions negligence has caused undue stress and inconvenience, forcing me to repeatedly dispute the same inaccuracies without meaningful resolution.

I am requesting that TransUnion conduct a thorough reinvestigation of the disputed items, provide a detailed explanation of the steps taken, and furnish evidence supporting the accuracy of the reported information. Additionally, I seek appropriate corrective actions, including the removal of any unverifiable or inaccurate information from my credit file.

If TransUnion continues to fail in its legal obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action to seek damages for TransUnions noncompliance with federal consumer protection laws. 

Please consider this my formal request for compliance and immediate corrective action regarding this matter. 
The Following Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

United Autos keep reporting to the three credit bureaus that this account is open and due. This account was included and discharged in my bankruptcy in XXXX. The account was opened XX/XX/XXXX. This account is 7yrs and 9months old. This account should be removed from my credit report due to it being old and included in my bankruptcy
Product: Credit reporting or other personal consumer reports

I received the copy for my required report notice in my account reporting accurate. I had One late payment XX/XX/XXXX Plus a payment schedule late on XXXX of 120 days and 180days I attached a screenshot of the days that they said that was late and accurate on. I would like to submit. Investigate this and please check it out. Remove this off my credit report. Can you please report this as a accurate account on my credit report I would like it pleased to be moved off I would like for you to and show proof that this payment can be verified on my account