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

Step 1 : What is this complaint about? 

Experian will not let me complete a tenant credit and background check for my landlord that I need to secure housing. I have called them and it is impossible to find a human to explain the situation to. None of their menu options have helped this problem. 

Step 2 : What type of problem are you having? 

https : //connect.experian.com/tenant-screening/tenant-credit-check.html Experian does not let me complete this form that I need to secure housing. They are inaccessible via phone and email. This opacity is unacceptable. I need to speak to a human to fix these problems but none are available to speak to. 

Step 3 : What happened? 

I froze my credit with all three credit bureaus after the data leak years ago in XXXX. Months ago, I unfroze my credit with XXXX  and XXXX  online. This process was easy and painless. Experian required me to send information to them via mail to verify my identity. I did this, and never heard back from them. I am not sure whether my credit is still frozen with them and I have no way of checking. I am unable to secure housing for myself because of this. The opacity of this company is preventing me from solving the problem. I need to speak to a human representative at Experian to solve the issue and none are available. I have tried for many hours. 

Step 4 : What company is this complaint about? 

Experian Step 5 : Who are the people involved? 

My prospective landlord, me, and Experian.
Product: Money transfer, virtual currency, or money service

On numerous occasions XXXX was used to make rental payments in the amounts of {$1000.00} dollars and {$600.00} totaling {$15000.00} throughout the time I was banking with TD Bank and they never disclosed the precautionary measures of the means of making payments to the right party before you send the payment. Therefore often times making it a safety risk for me to lose my money during a transfer in witch it was never disclosed in any way shape or form in any of theyre contracts or documents of how you have to check before you send the money who you are sending it to before you send or you lose your money. These terms should have been disclosed to their consumers in order to protect their assets and their costumers. Which in term I felt I was not protected and neither was my money or hard earned assets.
Product: Credit card or prepaid card

I got mails from XXXX XXXX XXXX on XX/XX/2022 congratulating new account with credit included which I didn't apply for. 

I called XXXX that it was a fraud so that I requested to close the account permanently and not to report to credit bureau. 

I'm planning to send a certified mail as well for this matter to XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The List of accounts and hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I sent a written debt validation and verification letter about the alleged debt to the company requesting a specific list of things I needed over 30 days ago and have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CBA Collection Bureau of America add a derogatory mark on my credit report peXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Collection Bureau of America has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this already but I still seeing repetitive 120 days late remarks on this account USDOE/GLELSI XXXX which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby lodge a formal complaint against Comenity Bank and XXXX XXXX for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with Comenity Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, Comenity Bank assigned my loan to XXXX XXXX, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer. 

Upon discovering this issue, I promptly reached out to Comenity Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, Comenity Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, Comenity Bank disclosed my personal information to XXXX XXXX without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity. 

Subsequent to this acquisition, XXXX XXXX has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay XXXX XXXX. 

I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued. 

In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore Comenity Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.
Product: Credit reporting or other personal consumer reports

Dear XXXXir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account Name : SYNCB CARE CREDIT Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX SYNCB CARE CREDIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance   XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXXXXXX XXXX  Inquiry from XX/XX/XXXX+ Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing   XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks  XXXX XXXX  XXXX Inquiry from XXXXXX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX Inquiry fromXX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Was contacted with my water bill, lease, ID, ssn and a signature asking for all holds, locks, freezes, alerts, comments etc be lifted from my account so my report could be pulled. I also asked for only XXXX address to appear and the rest to be deleted. I then showed how XXXX and XXXX has removed XXXX account for a charge off and you guys still have it there even after the company letter for removal. You are in violations some including : XXXX XXXX ( XXXX ) XXXX ( Any payments during XXXX are required to be deferred or forgiven ) XXXX XXXX XXXX ( XXXX ) ( You have a right to privacy If you consider your late paymentikes to be private information, they must be deleted from your credit ) XXXX XXXX XXXX XXXX ( a ) ( Any transactions between you and the creditors are required to be excluded from your credit report. ) I also stated to remove all Inquiries showing and broke down which and the times and you guys replied with 0 issue resolved. It is your duty to uphold the law and hold 3rd parties responsible for the consumers sake
Product: Credit reporting, credit repair services, or other personal consumer reports

I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, XXXX, Equifax, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


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 Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband was furloughed due to the XXXX. As such with being on unemployment we chose to work with our creditors and most all of them suspending payments for 2 to 3 months. US Bank however offered nothing other than waiving the late fee and really isnt any help at all. Now theyve reported us to the credit bureaus Which under the cares act I dont believe theyre allowed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting a fraudulent account on my report account was reported twice now its only reported once on credit report this is a fraudulent account that still remains i have been a victim of identity theft and would like this removed
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple personal credit card accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal installment loan account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern and dissatisfaction with the attempts to rectify fraudulent items on my credit file. Despite multiple efforts, I have not seen a successful resolution, and these fraudulent entries continue to impact my credit negatively. 
I have diligently followed the dispute procedures outlined by your agency, submitting all required documentation to substantiate my claims. Despite these efforts, the fraudulent items persist on my credit file, causing undue stress and hindering my financial opportunities. 

I understand the importance of maintaining accurate credit information and the role of your agency in ensuring the integrity of credit reports. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I request a thorough reexamination of my case and a swift resolution to remove these fraudulent items from my credit file. I have attached supporting documentation for your reference. 

I expect a written response within XXXX days, in accordance with the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} 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 Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Mortgage

I am refinancing current 1st and 2nd mortgage. The process requires payoff statements. The 2nd mortgage is with Discover Home Loans. My lender for the refinance attempted on XX/XX/XXXX to obtain directly on their own. Discover would not release, which the lender stated this is a common problem with Discover. I called on XX/XX/XXXX and requested a fax and for it to be mailed. Have not received fax, which was promised within 48 hours and the mail is stated to take 7-10 days which also has not been received. Also attempted to obtain online but states it needs special handling. New lender contacted me on XXXX stating they have yet to receive. So, I call again to request. Confirmed prior fax but asked for a new number. Had to insist they fax rather than mail. They stated it would be provided within 20 minutes. It is now XXXX and still no receipt. This is the final item needed to proceed to issuing the closing disclosure. Closing is delayed and is now costing money as the refi is at a much lower rate. In aggregate, will save over {$500.00} per month. Feel for other borrowers that are being treating in this unacceptable manner.