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. 
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, has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted Equifax and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. When I asked the credit reporting agency, Equifax, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. Equifax and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by Equifax to properly handle my disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Credit Reporting Error and Request for Immediate Correction To Whom It May Concern, I am writing to file a formal complaint regarding a significant error in my credit report and to request immediate correction of the matter. My name is XXXX XXXX, and I have been a responsible borrower with an extensive credit history spanning over 21 years. 

The issue at hand pertains to the erroneous removal of my student loans from XXXX by Equifax, which has resulted in adverse effects on my credit score and overall financial well-being. Despite my student loans being in good standing and paid as agreed, Equifax has inaccurately omitted them from my credit report, thus significantly impacting the average age of my credit accounts and the length of my credit history. 

As per Section 609 of the Fair Credit Reporting Act, I am entitled to accurate and up-to-date information on my credit report. It is imperative that my credit report reflects the true status of my accounts, including my student loans with XXXX, which have been faithfully serviced and maintained over the years. 

Furthermore, the removal of these accounts has led Equifax to incorrectly calculate the length of my credit history, stating that I have only had 4 years and 8 months of credit history. This is grossly inaccurate, as I have been an active and responsible borrower for nearly 22 years. 

I hereby request the following actions to be taken immediately : 1. The reinstatement of my student loans from XXXX onto my credit report, reflecting their true status as paid as agreed and in good standing. 
2. Correction of the inaccurate calculation of the length of my credit history to accurately reflect my extensive credit tenure of nearly 22 years.

3. An investigation into the oversight that led to the erroneous removal of my student loans and the implementation of measures to prevent such errors from occurring in the future. 

Additionally, I urge Equifax to consider the potential negative impact of this error on my credit score and overall financial standing. The inaccurate reporting of my credit history could result in unjust consequences, including higher interest rates, limited access to credit, and other adverse effects. 



Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Despite reporting this fraudulent activity to your agency, it appears that corrective actions have not been taken, unlike other credit reporting bureaus. XXXX and XXXX have already removed this account from their records, identifying an error that they promptly corrected. I am confused as to how your agency has verified this account while others have removed it. Please delete this inaccurate, erroneous, incomplete, or unverifiable information from my file. XXXX XXXX XXXX XXXX
Product: Mortgage

I had a HELOC from XXXX XXXX XXXX serviced by GreenTree Servicing. The house was foreclosed and the account was sent to collection. I worked out a settlement agreement with GreenTree. I have paid my agreed upon settlement of {$15000.00}. GreenTree misplaced some of my payments but the law firm handling the collection has said GreenTree found the payments in their system and would credit them appropriately. So far GreenTree has not responded to me with a letter stating I have fulfilled the agreed upon settlement. GreenTree has also sent new reports to the XXXX credit reporting agencies that my account is past due and that I did not pay. I would like GreenTree to send me an official letter stating I paid the account as agreed and that is is closed and paid. I would also like them to report the account closed and paid to the credit agencies.
Product: Credit card

In late XXXX. I made an approx XXXX payment to pay the entire bal. On the same day Bank of America took from my checking acct approx XXXX and applied it to my card that only has an XXXX limit. Since them I have spoken 4 times to various customer service reps or people who claim to be supv to get this escilated to be fixed. They all say the same scripted lines it is moving to the next dept and will be only a few business days until it is corrected. Nothing has happened however my personal bank was able to get the approx XXXX back from Bank of America and put back into my checking acct. The XXXX  is still frozen and I cant get a straight answer from B of A as to when the card will be unfrozen. It is a XXXX XXXX XXXX XXXX and I have alot of points on it and I want to use them as on board credits for our upcoming trip. Can your agency please help me get this mess expidited so my card is usable and it doesnt affect my credit score. Ive also asked for some extra bonus points and/or gift cards for all the time and frustration I have put into this since the card is frozen. The last payment I made was for XXXX. The service rep said I had to pay this in order for any further action to remedy the problem even though I have a XXXX balance.
Product: Credit card

I have been a loyal customer for US Bank cash plus credit card. I have always paid the statement balance and never once missed the due date. My score is not the best but it was above average. XXXX. I believe one mistake that I have done was that I was on autopay but i turned it off and then made a payment with the amount that I wish to pay however the system did not understand what I tried to do, although the autopay sign was off on my US Bank app, I still got charged twice. I did that because I was about to go to XXXX for a long trip and needed to make adjustments for that period. I then called and asked for one of the payments back by check. I remembered it was like XXXX XXXX Then US bank locked account saying it was fraud. That was the only reason that I could think of when it came to fraud. I called authentication to understand my issue and they told me because I used my someone elses card to pay. It was correct that I used my moms account at the time, I did not know it was an illegal thing to do. My mom owed me some money and so I thought itd be easier if she just paid that bill for me. I have done this in the past but never ran into any issues with other loans. They told me to reapply for the card. I did reapply. However got denied with no reasons specifically given by the company. They gave a list of 4 to 5 things that might be the reason for cancellation but none of those were applied to me. I called again to authentication department of US bank and they transferred me back and forth for at least 5 different people and at the end they were like they dont understand why either but they recommend me reapply and nothing they can help at this point. I got so mad but I told myself to be patient and so I did reapply one more time because all I want is to take my cash rewards back. They told me it would be applied in the next 2 cycle but no check can be mailed. It was at least XXXX XXXX However US bank once more time denied me. I have been told the system was automatically turned down my application because of bad history. I was so confused but because it was not a human who done it so of course I have no one for me to explain myself. So right now, although I like the benefits that US Bank have been given me, I do not wish to cause any trouble or wasting anyone time. I simply want my cash reward back. XXXX $ is big money for me. Please help! I do not record exactly how much the rewards was because I never once thought I would loose it. I also hate the fact that I am being treated like I have done illegal thing. Thanks.
Product: Debt collection

XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number.

XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a  mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out.

XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people.

XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services  Inc  -  XXXX ,  XXXX  Manager.  XXXX  XXXX  XXXX . Obtained a copy of my  Clarity  Credit Report due to a loan denial. Notice Items reported incorrectly including items that have been  discharged  thru Bankruptcy and inquiries that are as old as  XXXX  on  XXXX / XXXX /  XXXX   Contacted Clarity and spoke with a rep (  XXXX   )  to file a complaint, was told that I needed to speak with a supervisor (  XXXX   )  and was transferred said supervisor, she was very polite and stated that would look into my accounts, as far as the inquiries, she stated is their policy to report those for  five  years, to which I advised her that was against FCRA  .   XXXX  said that she would talk to her Manager (  XXXX  ) and would call me the next day. On  XXXX / XXXX /  XXXX   since I received not calls I contacted Clarity again, spoke with  XXXX , she apologize as she was not able to contact me when promised. She gave me feed back on the collections and said that as  Far  as the Inquiries her  Manager   XXXX  was upholding their policy of  five  years, but that I could speak with him directly. She tried to transfer me but the call was disconnected. Received a call from  XXXX , he asked me where I was getting the information, I advised FTC and FCRA, again upholding their policy and advising that FCRA does not state a  two  year limitation on Inquiries and that I could dispute the information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$270.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect credit score. NO UPDATED CREDIT SCORE HAS BEEN PROVIDED. REQUESTING CORRECT CREDIT SCORE AND ACCURACY OF THE CONSUMER REPORT. CREDIT REPORT SHOWS A XXXX POINT DECREASE BUT DOES NOT INDICATE ANY CHANGES TO THE CONSUMER REPORT. 

XXXX XXXX IS REPORTED AS A CHARGE OFF. A CHARGE OFF IS A CERTIFICATE OF INDEBTEDNESS WHICH MEANS IT IS INCOME ACCORDING TO THE FAIR CREDIT REPORTING ACT INCOME CAN NOT BE REPORTED TO A CONSUMER REPORT. THIS ACCOUNT IS TO BE DELETED FOR INACCURACY BEING REPORTED TO THE CONSUMER FILE. XXXX XXXX HAS RECEIVED AN OPT OUT REQUEST FROM THEM REPORTING TO MY CONSUMER FILE, THEREFORE TRANSUNION HAS NO RIGHTS IN REPORTING THIS INACCURATE ACCOUNT TO THE CONSUMER REPORT AS I HAVE NOT GIVEN THE REPORTING AGENCY PERMISSION TO DO SO AND NO DISCLOSURE HAS BEEN RECEIVED FROM THE REPORTING AGENCY BY LAW GIVING THE REPORTING AGENCY CONSENT TO REPORT THIS ACCOUNT. 

THE FOLLOWING INFORMATION I AM REQUESTING IN WRITING TO BE FIXED AS THESE ERRORS ARE NOT ACCURATE. THE CREDIT SCORE IS INCORRECT AND THE ACCOUNT THE REPORTING AGENCY IS REPORTING IS INCOME THANK YOU.
Product: Debt collection

XX/XX/XXXX or around I started to receive debt collection calls from a company stating their name was Southwest Collections, this company advised me that I owed on ambulance bill for a XXXX  emergency ride in XXXX. I informed them that I have never been in an ambulance, after going back and forth with the representative, she decided to inform me that this was a Joint account that I am on. I informed that I am not a joint on anything and also I dont even believe you can have a joint ambulance bill. They refused to advise me who was on this joint account, either way I know this is not a bill I am responsible for, after disputing over and over with this company and going back and forth they have fraudulently added this to my credit, this is causing me extreme hardship, having a bill on my credit that does not belong to me. I disputed this with all 3 credit bureaus, however the information remains. I dont believe investigations are being done, this company should not be able to fraudulently list someone as a joint owner just to get an account paid.
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  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. XXXX  XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # 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, credit repair services, or other personal consumer reports

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Product: Mortgage

On XX/XX/2019, I received a notification via US Mail from XXXX XXXX that they were transferring my home mortgage to SLS, Specialized Loan Servicing effective XX/XX/2019. On XX/XX/2019 SLS notified me that due to an escrow shortage, my monthly mortgage payments would be increasing from {$2400.00}, ( which I had been paying to XXXX XXXX ), to {$3100.00}.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX continue to violate my rights as a consumer both FCRA and The Privacy Act of 1974 by furnishing items to my consumer report without written permission from me or without conducting there due diligence to make sure the other party provides us the Consumer a Privacy Notice before they are allowed to place items on my consumer report none of these XXXX where done. Non compliance can also be proven as these XXXX credit reporting agencies have all brought back my disputes as verified when I am the customer and I am saying I didnt authorize it so why are there hard inquiries on my report when there isnt and account tied to it. Why are there Charge Off/ Collections accounts listed on my reports when a charge off is a certificate of Indebtness which makes it income to me which according to law cant be place on my consumer report against me, niether have none of there verified corporations send me a XXXX for the Cancelled debts.