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

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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, credit repair services, or other personal consumer reports

I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.
Product: Credit reporting or other personal consumer reports

THE CREDIT BUREAU REFUSE TO REMOVE THE ADDRESS ON CREDIT FILE THAT DOES NOT BELONG TO ME
Product: Checking or savings account

I made a deposit from the US treasury on XX/XX/XXXX account was frozen. The funds fully deposited on XX/XX/XXXX and account is still frozen with fraud indicated I have supplied my ID Social Security card address, verification Social Security information and and department of treasury information and my account is still frozen with no communication and no end date
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XX/XX/XXXX data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Student loan

In XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX. I was looking to consolidate my student loans because XXXX was charging me {$590.00} which was definitely unaffordable as a single parent. I was told that I qualified for the student loan forgiveness program and if I paid three payments of $ XXXX would then make payments of {$60.00} a month and after 10years my loans would be forgiven. In XX/XX/XXXX I called XXXX XXXX XXXX XXXX again because i had not heard from anyone or received any paperwork on my payments I was then told to pay A one time payment of {$5.00} to XXXX and then my payments would start. Almost a year later and XXXX is calling for a {$590.00} payment. I think I have been ripped off!! I Need my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

After Experian mailed me my results of deleting XXXX accounts from my credit report 3 days ago, I received today notice from Experian that they were going to reinsert the XXXX accounts back because Experian claimed I said I claimed fraud in regards to the XXXX accounts.Their claim is inaccurate because : 1 ) Reference XXXX complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 

2 ) I also found out that Experian placed a fraud alert on my account yesterday without my expressed written permission. 

3 ) Experian most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 

4 ) When I logged in to find who was my servicer of my loan, it was not XXXX. It was XXXX, who is the US  Department of Education 's   default resolution group. 

5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently. 

6 ) I disputed fraud on a different account I located on my Experian report. But the dispute was submitted on XX/XX/XXXX. So the re-insertion letter was not about the account I submitted a dispute for on XX/XX/XXXX because the investigation has barely begun and its too early in it to make a decision. 

Please see the attachments ( One of the screenshots is a sample of what is being reported across all of the loans ). I certify that the claims listed are true to the best of my ability.
Product: Mortgage

I contacted my first mortgage holder, Bank of Albuquerque, in XXXX 2016 to discuss my options of refinancing my first mortgage and paying off my second mortgage with XXXX XXXX XXXX. I wanted to see if Bank of Albuquerque offered a first mortgage product to combine both mortgages, get a competitive interest rate, with a 15 year term, and to exclude escrow. Loan officer informed me the Bank of Albuquerque did have a product to match my request. We discussed the value of my property, current mortgage balances, loan to value under 70 %, employment status, income, debts, annual property taxes, home owners insurance, credit scores, information from my previous first mortgage application, and all other pertinent information consistent with a mortgage application. The loan officer told me with amount needed to combine both mortgages, the interest rate would be 2.875 % with a payment of {$1400.00}. I informed the loan officer that I would remove the security freezes from all my credit bureaus, as I am cautious about identity theft and believe it is best to be proactive. Once obtaining confirmation from all XXXX bureau agencies that the lifts have been completed, I informed the loan officer in XXXX that the bureaus were available. The loan officer told me he would proceed with my application. The entire application process from XXXX through XXXX included requesting income documentation, ordering and paying for an appraisal, several communication regarding property title, and general conversations regarding the status of the loan. Prior to giving the loan officer my credit card information for the appraisal costs, in XXXX, I asked if we are still at 2.875 % on the rate and {$1400.00} with the payment. He said, " yes and maybe even better ''. As I continued to believe the interest rate and payment was fully disclosed, I proceeded with the loan process and paid for the appraisal. 

It was not until I received the Interest Rate Lock Agreement with a rate of 3.75 % & payment over {$1500.00}, in XXXX, is when I realized that the rate and payment were improperly disclosed. The loan was final approved in XXXX. 

Improper disclosing of interest rate and payment, of a Primary Mortgage during loan application, has lead me to file this complaint.
Product: Debt collection

I have requested in writing, via USPS, that Plaza Services provide validated proof of a purported debt. I have yet to receive any proof that the debt that are trying to collect and reporting on my credit reports, does in fact belong to me.
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 TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do not belong to me.
Product: Debt collection

XXXX XXXX has sent an account that does not belong to me to collections. I have disputed this account several time. Every time I disputed it with the collection company it gets removed but then ends up back on my credit report with a different collection agency. As of XX/XX/year> XXXX XXXX has sent this account to XXXX XXXX XXXX who is reporting negatively to my account for the amount of {$680.00}.
Product: Checking or savings account

On XX/XX/XXXX i wrote a check for {$450.00} to my XXXX for storm damage repairs. I mailed off the check and the check was deposited on XX/XX/XXXX i have the picture of the check and the bank where it was deposited at on my Wells Fargo statement. 

On XX/XX/XXXX Wells Fargo reversed the check and did not notify me at all. I missed seeing the reversal on my account so it went unnoticed till XX/XX/XXXX when i got a letter from the XXXX attorneys stating i have not paid the required fees for the storm damage. read more of the letter and I am on the hook for the attorney fess and interest on the fee, so the new total amount due is {$620.00}. 

if the check was not reversed i would not have gotten a letter from the XXXX attorneys or additional fees added. I have a complaint open with Wells Fargo but they have not responded. Also I had more than enough funds in the account at the time the check was taken out so low balance was not the issue.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/year>, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : XXXX. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information. 

XXXX. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft. 
2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one hacked my Experian account. Changed my information and is filing for credit cards in my name.
Product: Credit reporting or other personal consumer reports

As per my previous letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past 12 letters. I've waited three months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported.

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565.

I've reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency.

2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly.

I have requested, in writing, further details of the reinvestigation on several different occasions, with no proper response from them, if any, acknowledging or providing the requested information in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  states that I owe them {$130.00} from a closed credit card account that I never opened and has reported for the past year that I have not made a payment on the account. 
XXXXXXXX XXXX stated that on XX/XX/XXXX I opened a account for a secured card in the amount of {$300.00} at a address in which I never lived. They closed the account on XX/XX/XXXX after showing the account in good standing for a few months. This account was opened fraudulently by someone other than myself. Account number begins # XXXX I asked if XXXXXXXX XXXX could please send me a debt validation letter and they never have and Ive been asking them for the past year.
Product: Debt collection

I switched from  XXXX  to  XXXX  in  XXXX  of  XXXX . While waiting on payoffs from  XXXX ,  XXXX  sent my final invoice to a collection agency. I called  XXXX  to verify and they stated it was real, so I called the  Collection Company and  based on the phone call and letter they offered me a settlement with  XXXX . This was in  XXXX , they stated I had time before they would report, but if I paid off I was clear and satisfied. When I received my money from  XXXX  I called back to the  Collection Agency i n  XXXX  and took the settlement amount on  XX/XX/XXXX . They stated they would send me a settled in full letter. I thought nothing of this until in  XXXX  they sent my information to credit bureau saying I still owed the other amount from settlement. I immediately called and wanted to know what was going on. They claimed oh it will clear in 90 days, well I was in the process of buying a home, needless to say it cost me a higher interest rate, plus I did not get the type of loan that would have saved me half the money I spent in closing cost. I was livid. I ended up contacting  XXXX , who once again stated yes they had authorized the collection firm, but I still owed the balance, I could let it sit on my credit or pay it off. On  XX/XX/XXXX , I paid the other amount and they promised the next day they would report to credit bureau that it had been paid in full. Needless to say again, I was lied to and by the way, the collection agency stopped answering the phone whenever I called. Finally on  XXXX   XXXX , I spoke again to a  XXXX  representative and she said it would be fixed in 5 days. I kept asking for a satisfied letter, which I have never received. After this process I feel like I was scammed and if I 'm correct, when a collection agency takes over a claim, the company is paid. I paid both the collection agency and went back to  XXXX  and paid the balance. I would have gladly paid the full amount in the beginning, but was offered a false settlement that cost me a lot of time and money. NEVER AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and still find that unauthorized inquires are still being furnished on my report. I did not give written consent to Experian for these transactions to be furnished which is identity theft. I have complained about this multiple times.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft from my XXXX XXXX  i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the 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 XXXX  XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing in response to your phone call that Ive received . I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX