23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX XXXX XXXX XXXX and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.
Product: Debt collection

I am receiving daily calls, multiple times throughout the day, sometimes over 10 calls from Loan Depot, XXXX and XXXX about debt and loans. It has been going on for months. Not only do they have the wrong number they have been harrasing me regularly asking for someone with a different name than me.
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. 

1. XXXX XXXX, Account Number : XXXX, has violated my rights. 
2. XXXX XXXX, Account Number : XXXX, has violated my rights. 
3. XXXX XXXX, Account Number : XXXX, has violated my rights. 
4. XXXX, Account Number : XXXX, has violated my rights. 
5. XXXX XXXX, Account Number : XXXX, has violated my rights. 
6. XXXX, Account Number : XXXX, has violated my rights. 
7. XXXX XXXX, Account Number : XXXX, has violated my rights. 
8. XXXX XXXX, Account Number : XXXX, has violated my rights. 
9. XXXX XXXX, Account Number : 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

XXXX account number XXXX, is an account showing on my credit files that I did not open nor give anyone permission to open on my behalf.
Product: Debt collection

Vikings Client Services, LLC is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) by using abusive, unfair and deceptive practices against me in the form of harassment by contact me by phone, text, email and U.S. mail for a debt I dont owe and is the result of identity theft. I never rented a car from or had a rental agreement with XXXX XXXX XXXX XXXX. Someone stole my identity, drivers license, social security card and credit cards and rented a car from XXXX XXXX XXXX XXXX in my name. The debt collection account is fraudulent and not my debt or account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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: Checking or savings account

XXXX XXXX I deposited a check and when I wake up the next day my account is in the negative. {$1800.00} I bank with Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 4 new inquiries with TransUnion that I dont know anything about. I was notified by email on my XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account on my TransUnion credit report Please verify and delete all inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my XXXX XXXX XXXX article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information about an account with XXXX XXXX XXXX. The account was reporting correctly as " INCLUDED IN XXXX XXXX XXXXISCHARGE ''. 

Now reporting " SERIOUSLY IS DUE with a balance ''. 

This collection accountvwas discharged in my XXXX XXXX discharge and transition knows it. See enclosed documents proving the changed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Investigate the disputed items and remove them as quickly as you can, in accordance with Federal law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

So all 3 Credit Bureaus continue to ignore my request for dispute by not completing a full dispute, its kind of disturbing to know how a credit bureau can complete a dispute in less than 5 days. That tells me the dispute is not being done correctly and not being done in accordance with the law and my rights. This complaint has been created because there is two issues with my credit files that keep getting ignored.

1. The credit bureaus continue to allow XXXX XXXX XXXX to report false numbers to them, I due not owe an outstanding balance or am I late or ever have I missed a payment. The loan was restructured and while it was being restructured the false numbers where being reported, I am current with XXXX. 

2. All of these fake hard inquires have appeared on my credit file I have only submitted 2 for this year not over 10 like is being shown. Only credit Inquires that should show on my file is a XXXX  XXXX and XXXX XXXX that is it, The Credit Bureaus have seeked and sought to destroy my credit files by allowing these inquires to hit my report while my report was in frozen status.
Product: Mortgage

Complaint Against Freedom Mortgage for Unauthorized Escrow Refund Use and Failure to Issue Refund Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Freedom Mortgage, as they have misappropriated my escrow refund without authorization, causing significant inconvenience and frustration. 

Recently, Freedom Mortgage took funds from my escrow refund, stating they used these funds to pay my school taxes. However, I had already paid my taxes directly and I don't not pay school taxes because I have no kids, also did not authorize Freedom Mortgage to make this payment. Upon realizing the mistake, I contacted Freedom Mortgage, and they assured me a refund check would be sent promptly. However, despite multiple follow-ups, they have delayed returning my money and have provided inconsistent responses, leaving me feeling like I am being given the runaround. 

This situation has caused considerable financial strain, and I believe Freedom Mortgage has acted improperly by using my escrow funds without authorization and by failing to promptly resolve the issue once it was identified. I am seeking assistance from the CFPB to expedite the return of my escrow refund and ensure that Freedom Mortgage takes appropriate steps to prevent this issue from happening again. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

In XXXX, I went into : CHASE onsite:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX spoke to the branch XXXX " XXXX XXXX XXXX XXXX XXXX XXXX asked me to create a brand new saving account and to keep {$15000.00} at least in my checking & saving accounts so to get the safety deposit annual fee of {$65.00} waved. I thought it was good suggestion since I am with CHASE for more than 15+years and using the save deposit box anyway, so I kept up to today XX/XX/22, still have more than {$15000.00} in CHASE bank accounts ; however, XXXX took {$65.00} out of checking account and refused to wave it and saying that they changed the policy not to wave {$65.00} safety box annual fee regardless how much do I kept in their bank. I called XXXX on XX/XX/22, she said that it's out of her control, I told her that it is a cheating business if the safe box deposit {$65.00} won't wave, she should not ask me to keep {$15000.00} in the bank account, as she suggesed wrongly. 
I'd like to reqeust comsumer affair dept to investigate CHASE branches in XXXX XXXX, XXXX cities ; those branch managers recently changed to have poor customer services and lack of knowledge of delivery the truth to the cutstomer like me. This is illegal business practice, I'd like to reqeust CHASE to wave {$65.00} safety box deposit back to my checking account ASAP.
Product: Debt collection

I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report in XX/XX/2017, I noticed there was an error in status on one of my accounts. XXXX indicated I had an open collection account. This account is paid in full. I sent a letter to them asking for a correction in status. I received a response indicating the account changed to paid collection. According to my current credit report, this was not done. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not making this correction in a timely manner they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/2017 I sent Equifax a letter asking for validation and proof of my open collection. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX and/or Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my  credit reports.
Product: Credit reporting

Equifax originally reported a judgment in XXXX, the statute for reporting expired in XXXX. The original creditor filed a replevin to extend the statue of limitation for collection. The XXXX XXXX Courthouse information is automated and it is stored in there database. Equifax apparently has a system which automatically retrieves this data ; however, this date was for collection only and the information itself is a replication of information reported between XXXX and XXXX ( the statute for reporting has expired ). I notified Equifax and resolve no resolution. I filed a complaint with the XXXX ( XXXX ), still they refused to comply. I requested my attorney to send a kind letter requesting them to comply prior to my need to file a formal law suit in which I will be seeking damages as a result of being turned down for credit. I spoke with XXXX in the Consumer Affairs Department at Equifax on XXXX XXXX. He assured the matter would be taken care of by Tuesday XXXX XXXX. I followed up today, with a person who alleged that his name was XXXX. XXXX stated that there was no supervisor beyond him to speak with and that his department did not have the ability to remove the entry. He went on to say that XXXX had initiated a dispute ( which I informed XXXX not to do as this had been done with no results ). When I asked who I should I contact with authority. He lied and stated that no one else had authority. After I called him on his contradicting information. He stated he could not tell me who had authority. This is insane. If you have had 4 other complaints, I would like to get in contact with those individuals and initiate a Class-Action lawsuit. I hate to have to do that ; however, the company has hired employees who think they can tell consumers anything and that we will go away. I will not go away. Please investigate this company and assist with resolution if at all possible. Thank you kindly. Email : XXXX
Product: Debt collection

I downloaded the Experian app to look at any and all open accounts of mine on my credit. Seen a {$420.00} debt that was put to collections that is not mine. I did not and do not owe that money
Product: Debt collection

So, American Coradius International L.L.C is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX XXXX credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.
Product: Credit reporting or other personal consumer reports

I HAVE ATTACHED THEIR INVESTIGATION RESULTS, WHICH SHOW MULTIPLE INACCURACIES BEFORE THE " UPDATED '' NOTHING WAS CHANGED! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards ( METRO 2+ ), so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. 



The Company responded on XX/XX/2024 Thank you for submitting your complaint on XX/XX/2024, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment ( s ), you have supplied through the CFPB portal and directly to Experian. You indicate that inaccurate items are showing on your credit report. You are requesting to have the disputed items corrected or deleted from your report. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) /public record vendor for disputed items on your Experian credit report and asked them to verify the accuracy ) of the information with which you disagree. They responded and ( verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The results summary was sent to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes XXXX has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : 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