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

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that XXXX XXXX  is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX vs XXXX XXXX corporation us court of appeals for the third circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a secured loan with XXXX XXXX XXXX XXXX. The duration of the loan is XXXX year. The loan would have been due for full repayment in XXXX. I made a payment on this loan ever month since I took out this loan. I recently got a notification from the credit bureaus saying that XXXX XXXX XXXX XXXX reported that I had a missed payment and this is not true and this has resulted in my credit score dropping by 35 points. I made payments on my loan ever month. The duration of the loan is for a period of 1 year. I never missed a payment on my loan with XXXX XXXX XXXX XXXX. I was told that I needed to make a payment on my loan by the XXXX of each month which I did every month and now the credit bureau is reporting that I missed a payment and that is false.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. SECTION 1681C-2 ) that you, Equifax, the consumer reporting agency, block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of the following : XXXX XXXX XXXX XXXX Account number XXXX Balance {$230.00} Date opened XX/XX/XXXX XXXX XXXX. 
Account number XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$580.00} Date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent information appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a FTC identity theft Affidavit, number XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and are not related to any transaction I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain hard inquiries from my credit report. As a conscientious consumer, I strive to maintain a healthy credit profile, and I believe that the presence of these inquiries inaccurately represents my creditworthiness. 

Upon reviewing my credit report, I noticed the presence of the following hard inquiries : XXXXXXXX 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/23 It's essential to highlight that these inquiries were made without my explicit consent or knowledge. As such, their presence on my credit report does not accurately reflect my financial behavior or credit habits. I have not initiated any new credit applications or sought credit-related services during the periods corresponding to these inquiries.
Product: Debt collection

In XXXX was XXXX  by and sent to XXXX. My belongings was mailed by XXXX Administrators to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/XXXX with experian and XXXX, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX
Product: Credit reporting or other personal consumer reports

Obtaining a copy of my consumer report, it has come to my attention that Experian is not maintaining accurate and fair reporting according to FCRA 15 usc 1681 Experian is in violation of the FCRA 15 usc 1681a ( 2 ) Exclusions- Except as provided by in paragraph ( 3 ), the term " consumer report '' does NOT INCLUDE ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1681c- Information EXCLUDED from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed FOR COLLECTION OR CHARGED to profit and LOSS which antedate the report by more than seven years.

( 5 ) Any other Adverse item of information, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES which antedates the report by more than seven years Reporting charge offs are a violation of the INTERNAL REVENUE CODE 26 usc 6050p I should have received copy 1099 C From XXXX XXXX XXXX  when they charged off the debt on XX/XX/2022, but instead XXXX XXXX XXXX sold the alleged debt to XXXX XXXX XXXX XXXX, this is a violation of XXXX XXXX XXXX interference with XXXX XXXX. the XXXX c that was supposed to be provided by XXXX XXXX XXXX  was to be file on a XXXX irs form as income... but XXXX XXXXXXXX XXXX  is with hold copy B of the 1099 C and in bad faith Sold income as a debt to XXXX XXXX XXXX. and EXPERIAN is commiting misprison of a Felony watching this felony take place. 

I am demanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
Product: Mortgage

In XXXX of 2015 I initially applied for a mortgage pre-qualification in the amount of {$150000.00} through JPMorgan Chase. I was approved for the mortgage, but held off because of my upcoming marriage/pay increase. XXXX 2015 my wife and I re-applied through JPMorgan Chase for {$200000.00}, but this time we were denied on all levels for a VA Home Loan. The mortgage officer assigned to us stated that the {$150000.00} should have been denied as well and that the approval was a mistake. Both of the incidents have led to my wife and I losing hope on finding a house for our growing family. We are currently living in a XXXX bedroom apartment. My credit is good other than a few case that have since been solved or in the process of being disputed.
Product: Debt collection

I will provided attached documents that shows all violations. First off once the debt was sold to XXXX the contract became null and void, I did not ever give XXXX written concent to report on my credit. The letter they provided via my dispute states if I want to communicate with them I can contact their attorney. The origional company stated under Lender is different from what is on my report. The Principal amount on the contract is different from that of what is owed on my credit. The date of account opening is also different. Thats 6 violations at {$1000.00} per violation acording to The FDCPA. I am also demanding {$5000.00} in damages from the impact of the derogatory report on my credit.
Product: Mortgage

XXXX  XXXX XXXX and NOVAD Consulting, for months, have been unable to respond to workout options costing thousands in lost equity for the borrowers estate and family, The corporate office for NOVAD has a person who hangs up when the tough questions arise. 

XXXX  XXXX XXXX has been proving to be of no value because they are aware of the level of misuse of personnel. 

The level of mismanagement and misinformation is leading to lost equity for the public and mental stress that is unnecessary and caused solely by the inability to service.
Product: Credit reporting or other personal consumer reports

the incorrect information despite my repeated attempts to resolve the issue. I first disputed the erroneous entries on my credit report on [ date ], providing supporting documentation to substantiate my claim that the information was inaccurate. However, Experian has not conducted a reasonable investigation as required by law. The disputed accounts remain on my credit report, and I have not been notified of any substantive updates or outcomes regarding my dispute, violating the procedures outlined in the FCRA. 

Furthermore, Experian 's response to my dispute has been inadequate and lacks the necessary details to show that theyve properly investigated the issue. The failure to remove these inaccurate accounts is affecting my XXXX XXXX and hindering my ability to access financial products, which is causing significant personal and financial distress. 

In light of these issues, I am requesting that the Consumer Financial Protection Bureau intervene and ensure that Experian fulfills its legal obligations under the Fair Credit Reporting Act. Specifically, I seek the immediate correction or removal of the inaccurate information from my credit report, a full reinvestigation of the disputed accounts, and notification of the results of such investigations in accordance with FCRA guidelines. 

Please find attached relevant documentation, including my credit report, dispute correspondence, and any other evidence that supports my claim. Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00}
Product: Money transfer, virtual currency, or money service

This guy fooled me by sending me authentic products at first to sell. I made about $ XXXX payment via XXXX XXXX XXXX his payment XXXX XXXX. For which he shipped all of the items. But for the next order he gave me another account on another company name. He had gained my trust therefore I transferred him the {$30000.00} in 5 transactions via Bank Transfer using Wise Payments bank account. We were contacting this guy via XXXX. When we transferred the amount he stopped responding us. We opened a case on XXXX XXXX and Wise Payments both. XXXX XXXX contacted this guy and he provided all the shipment record of orders where we paid via XXXX XXXX. 
We contacted Wise Payments Ltd about the scam and they said they can not do anything here.
Product: Credit reporting or other personal consumer reports

Ive been locked out my Experian account for the last 3 months. Ive call the agency numerous of times in an attempt to resolve these matters that are effecting my life. Im unable to speak with a Experian rep, the line hangs up after several attempts to speak with a representative. Ive also sent letters to correct my personal information and no action has been taken. My login and password do not work and it seems as if my account has been hacked. This on-going issue has stopped processing as far as being able to rent a house, buy a house or apply for financial credit cards because I am unable to prove my identity. In results of this I am homeless and need this resolved now!
Product: Student loan

Took out a XXXX through Sallie Mae. Initially had issues with them not deferring payments as they were supposed to. Then through practice of threats paid off some of the debt and began a payment plan. Paid on plan for 5 years. In those years only paid off the {$10000.00} of fines and interest ( on a total loan of {$20000.00} ) When Sallie Mae went under the loan just stopped payments and we received no information about the new debtor, still do not know who purchased the initial loan even after requesting documents. XXXX year later we got sent to Debt Collection through XXXX and XXXX Attorneys at law in XXXX Ma. So after Sallie Mae Crashed we were given no new documentation then the next we heard of the loan it was at a debt collection agency a year later with a final date threatening to take us to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

The appraisal requested for the original loan by XXXX XXXX Mortgage for XX/XX/2007 signing should not have been an appraisal for the value. I am requesting a copy of the actual appraisal for the loan submitted to different mortgage companies for a mortgage on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the rest of the fraudulent inquiry 's on my TransUnions Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are the rest of the fraudulent inquiry 's on my XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2018, I, XXXX XXXX XXXX ( XXXX XXXX ) hand-delivered a certified check, reinstatement application and other documents to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX verified that the check was cashed and provided proof of such. As of the current, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is denying receipt of a check, application for reinstatement or otherwise from XXXX XXXX XXXX ( XXXX XXXX ) and has not reinstated her license. The check was deposited into a Wells Fargo account and XXXX XXXX XXXX ( XXXX XXXX ) is requesting that Wells Fargo provide a copy of the check and how the monies were utilized as well as open an inquiry against the XXXX XXXX XXXX XXXX  XXXX for embezzlement of funds as it pertains to a professional license and/or employment. Fingerprints accompanied this application. There has been evidence existing since the present that XXXX XXXX XXXX should not be marked " deceased '' or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance {$2600.00} shows open with the last payment made in XXXX. This account was paid in full in XXXX and closed. It does not reflect as such on the report. I disputed with Experian and they stated it is accuracys and it is not. 
Experian is terrible about reporting accurate and timely information. The customer service experience is horrific.