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

My husband and I are attempting to secure a mortgage and when our lender tries to pull information from Experian it comes back saying no score. I have contacted Experian multiple times and they have not done anything to help resolve this issue. I am currently under contract to purchase this home and need this rectified in a timely manner. I have an Experian account and see my score but they have not been able to provide me a reason why a lender gets no score when the lender pulls my credit from Experian. The lender has had no issues with XXXX or XXXX. Your assistance in this matter is greatly appreciated.
Product: Debt collection

Information, including name and Dates are inaccurate on this account, and the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the reporting of Chase Auto Finance reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, XXXX, XXXX and Chase Auto Finance and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Complaint For Filing a XXXX against TransUnion! There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX Report. Thanking you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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

After reviewing my consumers report a few months ago, I noticed there were a few accounts listed that aren't mines. I have never in my life heard of these companies reporting nor have I ever given out my personal information. I need these accounts removed immediately ; this is ruining my reputation. 

XXXX XXXXXXXX XXXX - Owing {$3300.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$480.00}. PostedXXXX 
Acct # : XXXX XXXX XXXX Owing {$980.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX Owing {$1000.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX Owing {$940.00}. Posted XX/XX/XXXX Acct # :XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into Transunion multiple times about inquires on my account that I have not initiate and spoke with a rep by the name of XXXX who pretended twice to transfer me to supervisor but kept coming back on the line himself. I disconnected the call and called back and immediately asked for a supervisor ( XXXX XXXX ) who came on the line and proceeded to read me the same script that the previous rep did stating that they are not obligate to verify information before it is placed on the credit file and that these are considered a statement of fact.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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: Mortgage

I had an apointment with Loss Mitigation Depart. Banco Popular De Puerto Rico XX/XX/2018 XXXX. 
Appointment was issued by bank in a meeting requested by me to solve the moratorium situation I am because of the hurricanes disaster.At that moment I was offer a payment plan which I inform i was not in position of agreeing because of reduction of my incomes.They recommended loss mitigation. 
I waited 1hour and 5 minutes ( no problem ), lady last name XXXX, ( never told me her first name ), attended me, in 5 minutes literally 5 minutes, she told me that my loan investor do not accepts any alternative other than a payment plan or I could voluntarily can surrender my property.No other option was offer to me.I did not agree and she offered an appointment to come back to begin the process of surrounding the property voluntarily. 
Is a shame to receive attention like that by persons who do not realize the situation a customer is and the mental inconveniences that represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information.
Product: Credit card or prepaid card

have a DIRECT EXPRESS card for deposit of my Social Security checks. In XX/XX/2019, I was CHARGED {$140.00} for a TOOTH WHITENNG KIT that I never ordered nor received. I was given a tracking # by Direct Express to check with local post office and they concurred that a package had been delivered to me back in XXXX, 2019 and left on porch in rocking chair. I NEVER received the package they are referring to. I am XXXX years old and rely on XXXX. just to pay my monthly expenses. I would never have ordered such an outrageous item! I complained to Direct Express and they gave me a " temporary '' credit while they investigated, only to rescind that credit 10 days later! I have been fighting this charge since XXXX to no avail. This week I received a letter from Direct Express stating " we are pleased to inform you that our investigation has concluded and your case is now closed. The {$140.00} " provisional '' credit dated XX/XX/2019 will remain as a PERMANENT credit on your card account. no such credit appeared on my card and my balance is {$.00}!
Product: Checking or savings account

The crime ( I was tricked to believe that this was not a crime ) started on XX/XX/XXXX when I could not log into my XXXX XXXX stock account, I called the number on the screen : XXXX XXXX ( criminal ) from XXXX XXXX says that someone was getting into my stock account, and therefore XXXX XXXX locked my stock account, and therefore XXXX XXXX also contacted ic3 of FBI about criminals getting into my stock account. Next, on XX/XX/XXXX, XXXX XXXX called me that ic3 of FBI informed him that someone took large amount of money from my XXXX XXXX  account. Next, on XX/XX/XXXX, XXXX XXXX ( criminal ) of XXXX XXXX, and also XXXX XXXX ( criminal ) from Criminal Investigation of Internal Revenue Service ( IRS ) called me to wire transfer {$39000.00} from my XXXX XXXX XXXX  savings account to XXXX XXXX of IRS using his wire transfer recipient, XXXX XXXX XXXX  XXXX XXXX who has bank account with Key Bank in Washington for safekeeping my money with the Federal Trade Commission. Next, XXXX XXXX uploaded the receipt from Federal Trade Commission that XXXX XXXX of IRS received my {$39000.00} that I wire transferred from my XXXX XXXX XXXX  account to his account with Key Bank. On XX/XX/XXXX, and many other times after XX/XX/XXXX, I went to XXXX XXXX XXXX  to explain to XXXX XXXX XXXX  that it was a scam that criminals told me to wire transfer {$39000.00} to their criminal bank account in Key Bank. XXXX XXXX XXXX  informed Key Bank about the scam and told Key Bank to send me back my {$39000.00} from the criminals ' bank account at Key Bank. My case number at XXXX XXXX XXXX  is XXXX. I also called Key Bank about the scam on XX/XX/XXXX. Key Bank informed me that the bank account of XXXX XXXX XXXX  XXXX XXXX at Key Bank IS STILL ACTIVE AND OPEN. Also, I found out from XXXX XXXX  that the owner of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, register her business with the State of Washington on XX/XX/XXXX. HOWEVER, AS OF TODAY, XX/XX/XXXX, I AND XXXX XXXX XXXX  STILL DID NOT HEAR ANYTHING FROM KEY BANK. Key bank is located in XXXX XXXX XXXX, XXXX, WA XXXX.
Product: Debt collection

Midland Credit Management is trying to collect a debt for XXXX XXXX XXXX however I have never and currently do not own this account. I had no no inclination of this account until it appeared as a collection on my credit report.
Product: Credit reporting or other personal consumer reports

I see several inquiries that I did not authorize on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint
with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This account is showing late payments when clearly the status of this account is PAID. This damaging item is causing my credit scores to drop. Please investigate this matter. Otherwise, kindly fix this issue. Stated below is the erroneous account that is still reporting on my Credit Report : XXXX XXXX XXXX : {$200000.00}
Product: Credit reporting or other personal consumer reports

Recently I went from a credit score of XXXX to a XXXX after being reported from Nelnet on a loan I thought was forgiven. This has completed changed my life as I worked for XXXX years to get my credit to a point of excellence. I had aspirations to buy a home as I have a XXXX and a family. I have reached out to Nelnet who just treats it as it doesn't matter. No resolution at all. I made the payment once I knew about it from XXXX XXXX. The student loan wasn't even showing on my report and all of a sudden it pops back up. Which has put me in a mental health episode. I now need to seek therapy cause my life is tanked now. In the XXXX XXXX is everything plus being an XXXX American I am already seen as a piece of XXXX now with my credit being like this I am lower than low. I mean nothing. I have to tell my daughter that home we have been looking to get has to wait 7 years as the Nelnet advisor told me. 7 years is something I don't have. I made the payment, and I would just like a chance prior. They had a wrong number and address on file and never contacted me to resolve this or it would have been resolved. You can check all my other accounts and see I have taken care of my responsibility. This is just not right. The XXXX I would die for will leave me out to die, and it just has me seeing life in a new light. I am hurt and doing everything I can to make sure this rectified when all I want to do is just cry. My credit score meant the world to me. It showed resilience, responsibility, and trust from anyone who dared to deal with me.
Product: Credit card

I am writing to formally file a complaint against Capital One Bank regarding their lack of response to a billing error dispute. The details of the incident are as follows : On or before XXXX, XXXX, 2023 I sent two items in the form of negotiable instruments to Capital One to the address indicted for such payments in the credit card agreement ( Capital One, XXXX XXXX XXXX XXXX, NC XXXX was for the balance dur on the account on the XX/XX/2023 Statement in the amount of {$520.00} and the other was for the XX/XX/2023 Statement for {$490.00}. In good faith and for value, I indorsed these instruments which is a right I exercised under the Uniform Commercial Code. On XX/XX/2023, I sent another dispute attached with another item in the form of a negotiable instrument in the amount of {$520.00} for payment of the outstanding balance still being shown on due on the account. These securities were not handled according to my indorsement and attached instructions, no credit was reflected on my account nor were the securities returned to me. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

My fear is that Capitol One is engaging in unfair and deceptive practices against consumer protection laws such as the Consumer Credit Protection Act as well as securities fraud in connection with my financial instruments. 

Please see the attached document for my full dispute.
Product: Checking or savings account

XX/XX/2021 my account was locked because of my XXXX deposit and has been locked ever since. I sent in documents XX/XX/XXXX and then was told my bank account was closed because of it and they were sending the money back to the SBA which is impossible because the money is still locked in the account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my Experian Credit Report using the online form. I received a message stating I would have to send by USPS mail my information which included everything needed to steal my identity so I so not want to do this. When I called the customer service number I was asked my SSN which I do not want to give out over the phone. I repeatedly tried to get a human to talk with but then they disconnected my call. I have tried this several times. 

Is this legal? I should be able to talk with someone without giving out my SSN.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt.

2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account.

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Kind Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

The company is not registered in the state of Maryland and Maryland doesnt offer payday loans. They have sent my account to a debt collector asking for me to pay this high interest rate back, which the state of Maryland interest rate should only be 24 %, not 700 % interest rate. They should not be allowed to offer any loans in the state of XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year>2024 On date XX/XX/year>2024, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are hard inquires reporting on my credit report that were not authorized by me. I have reached out to transunion numerous times to have these removed and they have yet to respond nor remove them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2021