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

I have multiple inquiries on my credit report that were unauthorized. There is no way that someone should of been able to access my credit file this amount of times unauthorized.   Experian should delete these back to back inquiries asap.     Account name   XXXX   XXXX   XXXX   Date of request ( s )  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX car loans that have been paid on time for XXXX years that are not listed on my report. I also get marked down for using my credit card, sometimes my score goes down and it says because I did not use enough credit available and sometimes it goes down and states that I used too much of my available credit. It seems that transunion only screws us, never giving good credit for good activity. My car loans are both missing from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Bank 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 XXXX  XXXX XXXX  ACCOUNT NUMBER - XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was making a deposit of {$120.00} for a work deposit only card at a Bank of America ATM ID : XXXX. The machine took my cash, attempted to count it, did not work and returned my cash but only {$60.00} of it. The machine then closed the desposit slot, continued to tell me to wait, nothing ever happened and it then gave me my card back and then displayed a warning that said not taking deposits at this time. The phone number on the machine did not help and tell me to wait for business hours at XXXX XXXX Saturday I believe, but that is XXXX hours from now and I need to ensure I have my whole {$120.00} back, but I only have {$60.00} of it.
Product: Debt collection

I had called them several times and we made an agreement that they will remove the charged off status on my report if i paid the amount owed. I made the payment but they wont remove the negative report that they agreed to remove after paying off the debt.
Product: Checking or savings account

It has been 15 months since my account was closed, and I have yet to receive my remaining balance. Despite exhausting all avenues to verify the maker and third party, I have faced consistent obstacles with Chase Bank. Initially instructed to visit the branch with the third party, this attempt proved futile as the bank 's policy had evolved to disallow in-person verifications for held funds. Consequently, I am now required to provide a phone number for the third party, even though the number is registered under her mother 's name, rendering verification challenging. The erroneous mention of " third party '' name as XXXX XXXX  from an oversight by XXXX, where my store name was not updated to 'XXXX'has further complicated matters ( which I have proof of ). Notably, payment processing is overseen by XXXXXXXX XXXX XXXXXXXX, with XXXX issuing an authorization letter confirming the transfer of funds to my account. Regrettably, XXXX 's communication method exclusively relies on digital channels. Despite having substantial evidence supporting my claim, I find myself at an impasse. I implore you to facilitate the release of my funds promptly or propose an alternative verification method, given that conventional phone verification fails to align with my unique situation. I chose to opt out of arbitration within the 60-day window of opening my account, and this marks my ultimate grievance. If no action is taken, I will begin preparing for litigation and seek national media coverage on this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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

Delete the inquries and erroneous errors on my credit reports.

I have no knowledge of these inquiries.

I have attached an FTC Affidavit. 

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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We want to contact your office and tell you that Wells Fargo continues to block access to any options to save our home. We filed complaints last year against this company because they were making mistakes on the bankruptcy payments we had made and they took it very seriously and finally gave us the proper information. They also told us that they would be willing to review our family for loss mitigation options. Our situation is much better after Covid. My husband is working full time and I am working full time. Also two of my adult sons live with us and are contributing to the family bills. Our combined income is now over {$10000.00} per month. When we talked to Wells Fargo they said they would review our case if we have had a significant change in income. They denied us back in XX/XX/2022 when things were much worse. 

We collected all of the requested paperwork to show that we make more money and that we want to try and save our house but the Wells Fargo re-entry team said no, we don't care that you have doubled your income, we don't care that you want to save your house, we don't care that you might qualify for help, we are done with you. This is wrong. We believe with this large increase in income that we can afford a fair payment so that we can get back on track with our mortgage and Wells Fargo. We believe we at least deserve the chance for them to LOOK AT OUR PAPERWORK instead of just shutting us out. We are very frustrated with this company. We have tried very hard to work with them and pay them and did the bankruptcy so that we could pay them back over time, which worked until XXXX came. Now after XXXX we are doing much better and want to resume payments and I know we are far behind but we make a lot more money now so we feel they should at least look at and review the current financial situation to see if there are any programs we qualify for to save our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. My information was expose in both the Equifax breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action. To remove or amend the disputed accounts, As Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER IS GOING THROUGH A LAWSUIT IN WHICH I WAS ONE OF MANY VICTIMS THAT INTIATED THIS LAWSUIT. PLEASE SEE THE ATTACHED DOCUMENT. I NO LONGER HAVE THE VEHICLE AND SANTANDER HAS SOLD THE ASSET. THE BALANCE AND/OR ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORTING ASAP!
Product: Credit reporting or other personal consumer reports

Late payment is over XXXX XXXX XXXX. Exceeds fair reporting guidelines. Violates credit reporting time restrictions
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Transunion regarding their failure to respond to my dispute letter and investigate inaccurate items on my credit report and incorrect personal information. 

On XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to TransUnion, requesting an investigation into several inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed on my credit report, such as Despite sending the dispute letter via mail and providing all necessary information, I am still waiting to receive a response from Transunion regarding the results of the investigation and I am still waiting to receive acknowledgment or resolution from Transunion. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Transunions negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their failure to respond to my dispute letter and address the inaccuracies on my credit report. I also request that TransUnion be required to provide a prompt and satisfactory resolution to my dispute, including correcting any inaccuracies on my credit report and permanent removal of the disputed negative items on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Product: Debt collection

I have received an email notification from XXXX to check my credit score because it has decreased. After I logged in to XXXX I have noticed a collection account from unknown company called " L J ROSS ASSOCIATES IN '' and the original creditor is " XXXX XXXX XXXX XXXX XXXX XXXX ''. I have multiple accounts with " XXXX XXXX XXXX XXXX XXXX XXXX '' therefore I called " XXXX XXXX XXXX XXXX XXXX XXXX  '' to find out what this is about and if I owe any money on any of the accounts to which " XXXX XXXX XXXX XXXX XXXX XXXX '' said I do owe money for a property at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I replied to " XXXX XXXX XXXX XXXX XXXX XXXX '' that I never owned this property and I never had any accounts there but I have represented the seller as a licensed real estate broker and sold the property on XX/XX/2020. Which brings me to conclusion ; I would like to report fraud both on " XXXX XXXX XXXX XXXX XXXX XXXX '' and " L J ROSS ASSOCIATES IN '' and request for this collection to be removed from all credit bureaus and proof of to be provided upon doing so.
Product: Credit reporting or other personal consumer reports

I am writing to seek clarification and verification regarding the reported late payment associated with my CREDITACPT account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Product: Debt collection

XXXX XXXX MD ( the Doctor ) who has never seen me in person, but owns a business called XXXX XXXX XXXX, which sees patients at his/her office in XXXX XXXX XXXX Florida XXXX XXXX P.A XXXX and/or a Nurse see me for 10 minutes, but then billed the doctor for a XXXX office visit on or about XX/XX/2021. Patient spoke to doctors office assistant about the improper billing practices by their office. Doctors office got upset and referred the claim to collections instead of working it out with the insurance company. Patient contacted the insurance company and has submitted an SIU referral due to the doctors illegal billing practices. Additionally, the entire bill is paid, and this patient doesn't owe this doctor one penny. The doctors office is currently using XXXX XXXX XXXX in an effort to antagonize patient for having complained about his/her fraudulent activities. I have attached the support that shows there is no payment due to the doctors office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was an individual mortgage account opened by me ( XXXX XXXX ) not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.
Product: Credit reporting or other personal consumer reports

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX.
Product: Debt or credit management

Complaint Regarding Lexington Law Dear, I am writing to formally express my concerns as a former client of Lexington Law, a credit repair company. I entrusted Lexington Law with the task of improving my credit and paid for their services on a monthly basis over a two-year period. Unfortunately, during this time, my credit was not improved, and the promised services were not delivered. Despite my continued payments, Lexington Law failed to fulfill their obligations or achieve the intended results. 

Please find my details below for reference : Name : XXXX XXXX XXXX of Birth : XX/XX/year> Previous Address ( Used by Lexington Law ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I look forward to your prompt response and resolution regarding this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I can not contain my credit report from EXPERIAN. I have tried several times and get an error. ( See Attached ). I am paying for their subscription and wii out use like to be reimbursed for over 2 full year. There is no update since XX/XX/XXXX. I seek to sue for {$5000.00} for this inaccurate. Which is causing me pain and suffering and denial of credit with creditors.
Product: Debt collection

I, XXXX XXXX, disputed an negative item on my Consumer Reporting account with the 3 major credit bureaus XXXX, XXXX, XXXX on XX/XX/2022 to the account which is the account the account number is # XXXX XXXX XXXXXXXX Bank XXXX XXXX reporting to all the consumer reporting agencies as Charged Off with a high balance of {$5700.00} which means you have a 1099c form from IRS XXXX Internal Revenue Service XXXX I am demanding XXXX XXXX Bank XXXX to send me a copy of the 1099C form. Notice, I will have to report this to the IRS. 

Section 61 ( a ) ( XXXX ) specifically includes income from discharge of indebtedness as gross income..Any amount of discharged debt excluded due to insolvency is limited to the amount of insolvency ; any amount forgiven beyond that would be included in gross income. Best regards. : )
Product: Credit reporting

Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with TransUnion by companies who are subscribers. There is some serious lack of transparency by TransUnion and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and TransUnion has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of the hard inquiries. I have been misled and tricked into hard credit inquiries and hold TransUnion responsible. The analysts at TransUnion should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX