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

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning matter regarding the reporting practices of Experian, one of the major credit reporting agencies. Specifically, I have identified instances where Experian has reported accounts on my credit report that do not appear to be verified through the Uniform Commercial Code ( UCC-11 ) process, thus raising questions about the accuracy and legality of their reporting practices. I have submitted many complaints over the years about their practices most recent being CFPB report # XXXX. Please see the certified UCC-11 report attached Furthermore, I have reason to believe that Experian 's actions may constitute violations of several provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). These violations include but are not limited to : Violation of 15 U.S.C. 1692d : Experian 's reporting of accounts not verified through UCC-11 may constitute harassment or abuse in connection with the collection of a debt. 

Violation of 15 U.S.C. 1692c ( a ) : Experian 's reporting of inaccurate or unverified information may constitute communication with a consumer at an inconvenient time or place. 

Violation of 15 U.S.C. 1692b ( 5 ) : Experian 's failure to verify the accuracy of reported accounts through UCC-11 may constitute unauthorized access to consumer credit reports.

Violation of 15 U.S.C. 1692e : Experian 's reporting of inaccurate information may constitute false or misleading representations in connection with the collection of a debt. 

Violation of 15 U.S.C. 1681q : Experian 's failure to maintain reasonable procedures to ensure the accuracy of information reported on my credit report may constitute a violation of FCRA.

Violation of 15 U.S.C. 1681s-2 : Experian 's failure to correct or delete inaccurate information upon request may constitute a violation of FCRA.

Violation of 15 U.S.C. 6802 : Experian 's failure to adequately protect consumer information in accordance with GLBA may constitute a violation of consumer privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these allegations and take appropriate enforcement action against Experian if violations are found. Additionally, I request that Experian be required to correct any inaccurate information on my credit report and to implement measures to prevent similar violations in the future. 

Please find attached copies of relevant documentation supporting my claims, including copies of my credit reports and correspondence with Experian. I am available to provide any further information or assistance necessary for your investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that consumers ' rights are protected and that credit reporting agencies adhere to all applicable laws and regulations. 

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

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by your company XXXX XXXX, XXXX. There were a total of ( 21 ) Inquiries made on my XXXX CREDIT REPORT, and a total of ( 17 ) Inquiries made on my XXXX  CREDIT REPORT. Which brings a combined total of ( 38 ) Inquiries ranging, from XX/XX/XXXX to XX/XX/XXXX. Which only 18 seems to be accounted for, since the others were deleted, by XXXX off of my Credit Report. The dates of these unauthorized HARD INQUIRIES are as follow : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

As you know, these were hard Inquiries. Due to your companys lack of security measures, this has caused major injuries to my CREDIT FILE, and CREDIT SCORE.  Not to mention, there was and still is a 7 year Victim Fraud Alert placed on my credit reports. 

I did not authorize anyone employed by your company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) and a serious breach of my privacy rights. 

I was formally requesting {$250.00} for each unauthorized inquiry that was made, on my credit file, that caused major injuries to my credit report and credit score. However, I am now asking for {$500.00} for each unauthorized inquiry that was made on my credit report. Also, that these fraudulent inquiries be immediately deleted from my credit report. I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with your company for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should your company not comply. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company, seeking {$1000.00} per violation, under the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please note that you have 30 days to complete this request and payment to me, as per the Fair Credit Reporting Act section 604 ( A ) ( 3 ).

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter directly to the Barclays Bank regarding a hard inquiry submitted in XX/XX/XXXX that is reflecting on my XXXX and XXXX  credit reports that is unknown to me. I received a response letter from this creditor dated XX/XX/XXXX stating that the credit inquiry was the result of an application received via web for the XXXX card issued by Barclays Bank Delaware. I do not nor have I ever applied for a line of credit online with this Bank or any other institution nor have I ever had an account or credit card issued to me from this creditor. Nevertheless, it is still reflecting on my credit reports with XXXX and XXXX inaccurately. The final outcomes of the letter states " As a result, the inquiry is accurately reporting to the consumer reporting agencies '' which is false. I contacted the number listed on the letter regarding fraudulent activity on XX/XX/XXXX and spoke with a representative who was unable to locate a file on me. I would like for this matter to be looked into further and this inaccurate inquiry removed immediately. Thanking you in advance,
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediateLY
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in myreports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I wrote letters to XXXX, Experian, and XXXX asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.
Product: Debt collection

In response to your correspondence, YOU ARE IN VIOLATION OF 15 USC 1692c due to the fact that you did not receive written/verbal consent from me XXXX XXXX the consumer. 
Pursuant to 15 USC 1692g You did not VALIDATE the debt.

You are in VIOLATION of 15 USC 1692f ( 8 ) Your Logo is enclosed on the debt collection letter You Are in VIOLATION OF 15 USC 1692 due to violation of my privacy You are in VIOLATION of 15 USC 1692b ( 2 ) for stating that you are IN FACT A DEBT COLLECTOR You are also in VIOLATION OF 15 USC 1692e ( b )
Product: Credit reporting or other personal consumer reports

I have submitted two credit report disputes with TransUnion over incorrect information : Misspelling of a previous name Mixed up previous address information ( unit number not matching the address ) Listed address that I have never lived at
Product: Mortgage

Purchased condo XX/XX/XXXX for {$220000.00}. Initial Mortgage : {$210000.00}. 
80 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX. 
78 % XXXX {$170000.00} XXXX - principal down to {$170000.00} as of XX/XX/XXXX. 
Current Principal Balance : {$170000.00} as of XX/XX/XXXX I contacted Dovenmuehle Mortgage after making the large payment XXXX {$35000.00} XXXX, which was credited to the account on XX/XX/XXXX. I was below the 80 %. I was told I would need to pay for an appraisal before the PMI would be taken off. I was recently told the appraisal completed as part of the purchase of the condo was to be good for 3 months. 

As of XX/XX/XXXX, the mortgage principal reduced to {$170000.00} which is below 78 % of the original value of the condo. I have been current on my payments. Dovenmuehle Mortgage continues to charge me the {$72.00} per month for the PMI. 

I contacted Dovenmuehle Mortgage Co on XX/XX/XXXX, they will not cancel the PMI until I pay the appraisal fee ( {$420.00} ). They want confirmation the value of the condo has not reduced. In the last 6 months I put in close to {$100000.00} in renovations. You better believe the value is more than {$220000.00}. 

Based on federal law, the servicer must automatically terminate PMI on the date when the principal balance is scheduled to reach 78 % of the original value of the home, which was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are trying to add back taxes on to my mortgage that I incurred while with a previous mortgage company. My taxes and insurance have all been accounted for with my escrow. Ive complained enough that I went to refinance with another company and they tried to tell that company that I was behind in XXXX. Thats the month I appealed the previous taxes and was told it was resolved. This company is a scam. I have legal representation that Im currently acquiring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I hope all is well!

Recently, I did an investigation on my credit report which caused me severe stress and depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Transunion According to Cushman v Transunion 1997, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD ACCOUNT.
Product: Mortgage

In an  OCWEN LOAN SERVICING, LLC, Loan N o. :  XXXX , Borrower named as  XXXX   XXXX   XXXX ,  XXXX , Address :  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX .  OCWEN was the Servicer and  failed to inform me of the name of the lender for the following years . OCWEN has  refused to reveal the name of the lender.     Question #  1  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  2  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  3 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  4 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  5 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  6  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 7  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 8 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 9 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  10 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 11  : In  XXXX ,  LITTON (   now OCWEN )  alleged it received a " pay off '' from   XXXX   XXXX    LITTON  were statutorily required to inform the lender regarding the payoff and the note returned to  XXXX   XXXX   XXXX   XXXX   XXXX , the borrower.  XXXX   XXXX   XXXX ,  XXXX  did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to  XXXX   XXXX   XXXX ,  XXXX .     Demand #  1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p   resent holder of the note.
Demand # 2 OCWEN   alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC has violated my rights and TransUnion LLC willfully violated the FAIR CREDIT REPORTING ACT Title 15 USC 1681i ( C ) ( 5 ) ( A ) ( i ) ,1681e ( b ), 1681b ( a ) ( 2 ) and must be held accountable with Prejudice! 

TransUnion LLC is furnishing inaccurate information on my Consumer Report in the following account XXXX XXXX # XXXX and has it reporting Verified As Accurate violating 15 USC 1681e ( b ). 

The XXXX XXXX # XXXX account has been DELETED by XXXX XXXX XXXX XXXX ( SEE attachments ). 

TransUnion LLC has an outstanding reputation for violating the ( FCRA ) Fair Credit Reporting Act SEE Cushman v. TransUnion Corp., 920F. Supp. 80 ( E.D. P.a 1996
Product: Debt collection

Portfolio Recovery & Associates have been trying to collect a debt from me that isn't mine for over XXXX years. I disputed the debt several times, yet XXXX ignored and stated that an investigation had been done. XXXX has reported this on all credit reports with all credit bureaus for XXXX years. XXXX and I have been in court for XXXX years with the outcome of XXXX winning a judgement against me. I have filed complaints here with CFPB and nothing was done. I will not stop until I get the funds necessary for the damages XXXX has caused for violating consumer right laws, damages they have caused to my finances, to my credit worthiness, and emotional/physical stress. XXXX can not continue to do this to consumers and get away with it. After I received this judgment in court, I filed a complaint with XXXX and filed a dispute with credit bureaus due to not having any prior history with the original creditor ( XXXX ). After disputing with the credit bureaus it was determined that XXXX be removed from my credit reports. Now, XXXX has dropped the judgement and lawsuit against me, but that is NOT enough. I've consulted with an attorney and determined to sue XXXX. This should not be happening to consumers. This happened to me for NO reason. Why was XXXX able to get a lawsuit against me in the first place? XXXX should NOT have been able to be on my credit reports at all! Especially, with NO prior activity with the debt they bought. This company has wasted my time and energy dealing with a debt that didn't belong to me for over XXXX years now! Absolutely ridiculous and absurd. The debt collection companies need to be held accountable just as they want all debtors to be.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 XXXX 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: Debt or credit management

They didn't tell me they would charge me a 25 % transaction fee on each settlement account. I was told they only charge about 2 %. I had a XXXX account of {$7500.00}. Beyond Finance collected over {$1600.00} from me over the course of a few months. They settled my XXXX account for XXXX but took a {$1600.00} " settlement fee '' from the escrow account that I have been depositing into biweekly. They told me that the money going into this account would be used strictly for payments to my creditors. After they settled the XXXX account they took the {$1600.00} and only sent XXXX a little over {$100.00} for the first payment. I was not informed they would charge a 25 % upfront fee for each settlement I would have never signed up for this program. I was clearly told 2 %
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 XXXX XXXX XXXX was showing last report date of XX/XX/2021. 

On XX/XX/2021 there was a update on Tean Union and XXXX  showing an update Date of XX/XX/2021 and an incorrect balance. 

If contacted both Credit reporting bureaus and disputed this information but it still hasnt been updated. Asa result I was denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against XXXX Credit Bureaus if you do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting or other personal consumer reports

I previously reported inconsistencies with the CFPB and in turn I have been harrassed by each creditor through text and email. All accounts where falsely updated with new delinquency dates which resulted in all of the accounts resetting to a new 7-year term on my credit report. THIS IS ILLEGAL.