23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including experian, Equifax, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all XXXX credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My name is XXXX, Im writing in to complain about Experian. 

They refuse to delete a charge off from a company XXXX XXXX XXXX : Ive disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. 

XXXX XXXX XXXX XXXX Account Number XX/XX/2013 Date Opened Recent Payment Amount Its seriously hurting my credit score.
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. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently applied for a bank account, and to my surprise, I was denied due to fraudulent information on my consumer report. Im asking for these items to be removed. This is causing a hardship for me and my family. I was shocked to learn that I have been a victim of Identity Theft. I found numerous accounts on this consumer report that were not opened by me. This has been hurting me, as I am in the process of buying a home for my family. 

Please remove these fraudulent accounts from my credit report as soon as possible. 


XXXX Bank XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent in letter to company requesting validation of debt including right to collect and ownership of debt on XX/XX/XXXX. Company responded with bill statement which does not comply with request for validation under fcra law. requested validation again XX/XX/XXXX which company did not respond to. requested proper validation again XX/XX/XXXX.
Product: Debt collection

Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint regarding the failure of credit bureaus to update the late payments reported on my XXXX XXXX and XXXX XXXX XXXX. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its corresponding provisions. 

Under the FCRA, credit reporting agencies are required to accurately report consumers credit information. In this case, I have evidence and documentation showing that late payments were inaccurately reported by the aforementioned creditors. 

I have made every effort to rectify this situation by disputing these late payments with the credit bureaus. However, despite providing the necessary documentation and evidence supporting the corrections, the credit bureaus have failed to update the inaccurate information within the required timeframe. 

This failure not only affects my creditworthiness but also undermines the purpose of the FCRA, which is to ensure fair and accurate reporting. I believe this situation merits investigation and appropriate action to enforce the provisions of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to address this matter and ensure that the credit bureaus promptly update the reporting of late payments on my XXXX XXXX and XXXX XXXX accounts as required by law. It is crucial that my credit report accurately reflects my payment history. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to rectify the credit bureaus noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that XXXX XXXX XXXXXXXX has listed Suspected Fraudulent Activity on my ChexSystems file, dated XX/XX/2019. To my knowledge, I have never had Suspected Fraudulent Activity with XXXX XXXX XXXXXXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX XXXX XXXX including copies of any documentation associated with this activity which bear my signature. 
In the absence of such documentation, I request that this be permanently removed from my ChexSystems report. 

For your records, my contact information is as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX received an online application for a XXXX XXXX XXXX in my name on XX/XX/XXXX. I reported it as fraudulent on XX/XX/XXXX. After investigation, they accepted your fraud claim, closed the account ( ending in XXXX ), and sent me a confirmation letter on XX/XX/XXXX. However, im still waiting for the fraudulent account to be removed from your credit report.
Product: Mortgage

Their website does not allow for homeowners to indicate where funds should be assigned to. I have been paying a little over my monthly dues and as of today my principals has not changed, I'm seeing a negative escrow answer when I asked to speak to some today, XX/XX/15 @ XXXX ( XXXX ) I ended having to deal with an arrogant, immature representative who placed ne on a long hold so that I could hang up. This is always the situation with Selene. Their Representatives are rude, disrespectful and never want to assist. I would like a payment analysis and an escrow analysis as well as a principal analysis as I have strong feeling that they are not putting any money towards my loan. When I asked the representative to plenot speak over me and to allow me to speak she hung up the phone.
Product: Checking or savings account

Two months ago, two micro deposits were made into my business bank account by Goldman Sachs Bank, and just two days later, a withdrawal of over {$48000.00} was initiated from the same account. The withdrawal was promptly disputed as fraudulent and the funds were returned by the bank. 

More recently, on XX/XX/year>, XXXX additional micro deposits were made, prompting a stop on the account to prevent further unauthorized transactions. However, when I contacted Goldman Sachs, they informed me that I am not a client and that the deposits and associated transaction details do not match any records in their system. Despite following their guidance to dispute with my bank, the recurring issue remains unresolved, raising serious concerns about the origin and legitimacy of these transactions. XXXX  Sachs Bank can not connect the name and transaction number that s on the statement they provided to the bank to anything in their system.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing a formal complaint against TransUnion for failing to remove unauthorized hard inquiries from my credit report despite my written disputes. These inquiries, performed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX do not recognize or authorize, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Complaint Details : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Dispute Filed With TransUnion XXXX XXXX TransUnion Response : Ignored my dispute, refused removal, and failed to respond. 
Legal Violations Committed by TransUnion : FCRA 1681b ( a ) : TransUnion is reporting inquiries that lack permissible purpose and consumer authorization.

FCRA 1681c-2 : I have the right to block fraudulent or unauthorized information, which TransUnion has failed to honor.

FCRA 1681i ( a ) : TransUnion must conduct a proper reinvestigation within 30 days, which they have failed to do.

Desired Resolution : Immediate removal of the unauthorized inquiries from my TransUnion credit report.

A formal investigation into TransUnions noncompliance with the FCRA. 
Written confirmation from TransUnion acknowledging the removal of the inquiries. 
TransUnion 's failure to uphold federal law has caused unnecessary harm to my credit profile. I request that the CFPB take swift action to hold TransUnion accountable and ensure my rights are protected. 

Thank you for your prompt attention to this matter. Please keep me informed of any updates regarding my complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

I spoke with XXXX XXXX at QuickenLoans on XX/XX/2020. He took my information, crunched some numbers and said I was approved. I moved money around to clear the forbearance I had in place that was offered to me by XXXX XXXX ( didn't realize it was a forbearance, I just thought they were being nice by giving me a 3 month pass then put it on my credit report ). And sent in my tax returns as requested. He said with {$500.00} earnest money we'd be all set. 

The next day I get a call after sending in my info from a XXXX saying that I needed 6 months reserve. This was never mentioned in my initial conversations and had it been I would've told them there's no way and we could've cut this whole process short. Now I'm out some penalty fees for moving money around that I won't get back from QuickenLoans. 

Classic bait and hook predatory lending schemes. I thought they were better than this but I guess not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy. 
These names, numbers and addresses do not belong on my credit report. 

NAMES : 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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed to concerning inaccurate information on my credit report for the following accounts. I have requested Methods of Verification on three occasions- XX/XX/2024, XX/XX/2024 and XX/XX/2024. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To be clear, per FCRA 611 ( a ) ( b ), Experian is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. They failed to do so but instead sent auto-generated letters with no proof of due diligence I am requesting that these accounts be updated with no late payments please. 

Thank you XXXX XXXX
Product: Debt collection

To my shock I was recently denied refinancing my home because of an unknown lien.

I had never received any correspondence from JH Portfolio or XXXX XXXX. 
I have had no opportunity to dispute this debt. 


XXXX. A certified copy of a judgment or an abstract thereof, recorded XX/XX/year> as INSTRUMENT NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JH PORTFOLIO DEBT EQUITIES , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$7900.00}, and any other amounts due thereunder.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/24 Subject : Dispute of Inaccurate Information in My Credit Report. 

Whom it may concern, I am writing to dispute the accuracy of certain information in my credit report. The details are as follows : 1. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccuracies, Late payments I request that you conduct a thorough investigation and correct any inaccuracies promptly. Please provide me with the results of your investigation within the legally mandated time frame. If proof can't be provided, I demand it be DELETED IMMEDIALTY. Thanks! Please see screenshots attached : Enclosed, please find copies of relevant documents supporting my claim. I appreciate your attention to this matter and your commitment to ensuring accurate credit reporting. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received 5 emails today, XX/XX/2022, indicating a Bank of America account was opened using my personal information. I have reported the emails to Bank of America, but I also wanted to report the fraudulent emails to the government as well. I have attached copies of screenshots that include the URLs associated with the suspicious links in each of the emails. 

Some basic internet research indicates these emails are an ongoing, long-term phishing scam. The emails are very convincing and several contain multiple links, some of which legitimately go to actual Bank of America websites. 

Hopefully, I will receive a response and resolution from Bank of America confirming no such account has been opened and no true identity theft has occurred.
Product: Debt collection

I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.
Product: Credit reporting or other personal consumer reports

First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to Transunion and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
Product: Mortgage

My husband and I started the mortgage refinance process with Interfirst Mortgage Company on XX/XX/XXXX. We spoke with XXXX XXXX XXXX XXXX XXXX at that time and rec 'd rate options, signed disclosures and submitted all the necessary documents for underwriting within the time range deadline provided of XX/XX/XXXX. We were provided an email XX/XX/XXXX stating that our initial loan application and documents were rec 'd and our file was now in underwriting review. 

We rec 'd no further correspondence from Interfirst Mortgage, so I emailed XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Interfirst XXXX times in the past two weeks with no return calls until I finally heard back from XXXX XXXX on XX/XX/XXXX and he was unclear on how to advise me on status of the loan. He stated he would have an underwriting manager call me and I have not rec 'd a call. I called Interfirst again today on XX/XX/XXXX and have not rec 'd a call back from XXXX 's supervisors / underwriting.
Product: Checking or savings account

On XX/XX/XXXX of XXXX  I left my phone in a XXXX vehicle. Within a few hours whoever got my phone had drained my bank account., all my information was on my phone still available because I had just used it for my ride and was going to use it to return home. I reported to my bank, I filed a police fraudulent pack but my bank keeps refusing my claim, I did all they asked to cooperate, still I was declined.
Product: Debt collection

On XX/XX/2021 I had called XXXX to cancel my auto policy. When I called the woman I had talked to went through the information, I had told her I chose a different provider to go through for my auto policy. She looked up my account and said I needed no further information she apologized the company didn't satisfy my needs and hung up. For the next 3 months I was harrassed by XXXX with phone call after phone call. Asking me to reinstate my coverage although nobody ever told me of this current balance that I apparently owed. I repeatedly told them no thank you and was finally put on a no call list. I then moved addresses. Being unaware of the mail being sent to my old address. Until I received the debt collector letter the nice people who live in my old house tracked me down to give me this letter. After almost a year of not having coverage with this company I am irate at the fact that they are not willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.