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

My name is XXXX XXXX SSN : XXXX and my complaint is against Rise Credit, account open XXXX XXXX date closed XXXX XXXX, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that RISE has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of RISE negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against RISE or whoever their mother company is. Im also including on this complaint XXXX XXXX XXXX XXXX because in the report in RISE information the address they have is from the mentioned company. An Im also including XXXX   because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 demanding that Ally bank remove inaccurate information that is being reported by them. I have not heard back at all. I sent them the highlighted portion where the errors are but have not heard back. Also ally bank tried to pull a fast one on me thinking i was born yesterday. sell attached documents for relevance as ally reported inaccurate information to XXXX. Please help. I was also not told that i can dispute this account with ally bank they try to give me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding inaccurate information ( late payments on XXXX XXXXXXXX XXXX  and a Bankruptcy ) on my credit report. 15 U.S.C 1681 section 602A States I have the right to privacy. These incorrect items are not on XXXX or XXXX ONLY Experian is reporting false information on my report. 15 U.S.C. Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I requested they provide me with methods of verification they used to verify these false items. They keep saying verified without any proof. It's been well over 45 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score recently declined with Equifax. From XXXX to XXXX. I used a line of credit that was already open to pay off other higher accounts. They apparently saw the increase on one side but have not recognized the subsequent decrease and immediately dropped the score. The amount of credit used did not increase only shifted to another lender.My attempt to get thru to a live person to go over this has been useless, and they tell me that NC is not a state I can get a free report in via the automated system I have tried to connect with a human on three occasions and that option is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX and Transunion. Transunion and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my Experian credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXXXXXX XXXX {$800.00} Account Number : ... XXXX Investigation Completion Date : XXXX Status : Deleted from XXXX report. 

XXXX XXXX XXXXXXXX XXXX XXXX  {$1100.00} Account Number : ... XXXX Investigation Completion Date : XXXXXX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further. 

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages.

FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experians and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Investigation [ File # XXXX ] DELETED XXXX XXXX {$280.00} collection [ Helvey & Assoc ] from my credit report. 

XX/XX/XXXX XXXX XXXX, I called XXXX XXXX Customer Service to request they update records with all 3 major credit bureaus and delete collection account. XXXX XXXX responded on XX/XX/XXXX with fraudulent, deceptive practices by creating and reporting a new collection account reflected on my XX/XX/XXXX credit report as : Date Updated XX/XX/XXXX Remarks >PLACED FOR COLLECTION< ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX COLLECTION AGENCY Past Due >Collection< High Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Estimated item will be removed XXXX/XXXX XXXX XXXX records should reflect current, accurate account information. Since XXXX, XXXX XXXX 's unfair, deceptive and abusive practices have : i. ) adversely impacted my credit report, ii. ) severlely impaired my ability to obtain funding, iii. ) declined my credit score XXXX points, iv. ) resulted in higher credit rates, v. ) caused reputational harm to my livelihood as a licensed financial professional.
Product: Debt collection

I went to a private school online. This school called repeatedly even after I told them to stop calling. I guess its a difference in time zones this school was calling really early and really late. Disturbing my rest to go to work. This school also held my transcript and diploma due to the fact that I supposedly owed them a debt. I finally received my transcript 2 years later causing me to not to be able to work in my career field.
Product: Credit reporting or other personal consumer reports

I XXXXXXXX XXXX XXXXXXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed all supporting documentation below. 


XXXX XXXX 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

On XX/XX/year>, I sent certified mail to XXXX, XXXX and Experian, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXXXXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS XXXX XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX  XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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: Vehicle loan or lease

Due to Covid 19 I didnt get a chance to go to court The car was supposed to be under bankruptcy In my wife name XXXX XXXX They reposed the car and I need some assistance please
Product: Mortgage

I XXXX from XX/XX/2017- XX/XX/XXXX and was on a deferment plan and did not have to make payments till XX/XX/XXXX. In this process I was with 2 different loan companies XXXX home loan company up until XXXX XXXX when the loan was transferred over to FLAGSTAR bank. During the entire time this deferment was in place I received a phone call from my wife stating someone stopped by our house, and letters in the mail stating we are behind on payments, and I called monthly to confirm that we had no payments on our home loan only to escrow until XX/XX/XXXX ( which is not XX/XX/XXXX that is on the deferment document ). Every time I called both companies I was on the phone explaining my situation every single time, as if no one kept notes or cared that they caused the stress on my family that they did monthly. I want to make this clear that every single phone call included at the end that I confirmed NO PAYMENTS on loan till XX/XX/XXXX from XXXX XXXX up until Apr XXXX, because I could not breath without knowing that this was confirmed since I felt I could not trust these companies due to the stress they were causing my family even as I was away serving my country. During the whole confirmation period of no payments I planned out how to fix my house and be able to pay everything off and get back to normal payments by XX/XX/XXXX. I have attached 3 quotes minus one for home improvements on my house with dates ( improvements only made due to phone conversations ending in me and associate for banks monthly stating no payments till XX/XX/XXXX ), one attachment for TSP loan against my retirement to help pay off things, documents referring to appeal for Flagstar that includes supporting documents and situations leading to the proposed falling behind of payments, current Flagstar bank statement and the only thing I'm missing to verify everything I said is the phone call conversations dating from the PRESENT back to XX/XX/XXXX with XXXX and FLAGSTAR BANK, because they wont review or release the conversations unless I have a SUBPEONA. 

Currently my standing on my VA HOME loan is that I owe XXXX, XXXX XXXXt XXXX, Contractors XXXX, and TSP loan of XXXX. On top of everything I made a good faith payment to my loan in the amount of XXXX to principal on the house and I did not have to even make that payment. I also was always on time with my escrow only payments during the paper documented deferment period not the discussed and confirmed on the phone only of XX/XX/XXXX. Due to this issue FLAGSTAR has messed up my credit and I now have missed out on the opportunity to refinance from 4 % to 2.875 % on my VA home loan. I told my loan company that I would be good for my word and catch up, this is my final attempt to work with them in order to reimburse me for my physical and mental agitation for the past 2 years in regards to the improper handling of my VA home loan before I seek a lawyer to overcompensate me for these added stresses.
Product: Credit reporting

I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...
Product: Student loan

Per the letter dated XX/XX/XXXX received from Great Lakes concerning a previous complaint, it stated that the U.S. dept of Education did not approve my application for a discharge of my student loans. 

On XXXX XXXX, I received an email from the U.S Dept. of Education regarding my XXXX XXXX claim status ( copy attached ). 

On XX/XX/XXXX, I received an email again from the U.S. Dept of Education indicating that I am part of a lawsuit because I have a XXXX XXXX Application # XXXX pending ( copy attached ). 

I therefore find it strange that I was neither notified by Great Lakes nor the U.S Dept of Education that my application was not approved and the reason why. 

I believe this is a tactic of the servicer of my student loans, Great Lakes, to cause me hardship in getting my student loans discharged and frustrating the process.
Product: Debt collection

Debt was negotiated through XXXX XXXX. which was paid. Still reporting to credit companies that the debt is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report a few months ago and found that there was a debt collection agency on there. I do not carry bad debts, EVER. I immediately called the company to see why there was a delinquency being reported. 

Back in XX/XX/2013 I helped my daughter get into an apartment because she had no credit. I was basically a co-signer. 

The company told me that there was a small balance due to the apartment complex and that was what they were collecting on. The total was {$200.00} They looked into the case because we have not received any type of statement or correspondence telling us there was a balance due. They found that the apartment complex was sending the statements to the same apartment that my daughter moved out of! After further review they said that they will be removing the information that was reported to the credit bureau. The information was deleted off of my daughters credit report but it is still showing as an open account on my credit report. I did call again after 2 months of the balance being paid off and they again informed me by the beginning of XXXX it should be removed.
Product: Mortgage

My father passed away on XX/XX/XXXX, and my brother passed away a month later. We weren't aware that my father was in trouble with the mortgage company until we received a notice of the property going up for sale. My father was a very ill man and wasn't able to communicate very well due to his illness. We contacted the attorney for the bank on XX/XX/XXXX and were advised that they were unable to stop the sale on XX/XX/XXXX of the property as my father was served prior to his death. We also contact the bank and they refused to speak with us as we are not authorized on the account. I tried explaining that my father had passed and would like the opportunity to come to some resolution and they refused to speak with me or my other brother. As I had stated my father was very ill and he did not let anyone know that he was having trouble with the mortgage or that he was aware of the situation occurring. We are asking for more time in the property so we can resolve this issue by either a repayment plan or a short sale. I and my other brother are currently living on the property and I do not want the last thing my father had to be lost to foreclosure.
Product: Student loan

I received a prescreened offer from SoFi to refinance my parent plus loans. I applied and was declined. The adverse action principal reasons provided stated : Delinquent past or present credit obligations with others. It would appear as though SoFi 's prescreen criteria is " tighter '' than their post-screen criteria. Meaning all of the previous delinquencies noted on my credit bureau are older than 2 years, so they were clearly they tradelines in question were there at the time of prescreening. You should not be declining based on information that is readily available at the time of prescreening, or do n't send out a prescreened offer. 

Additionally today I received another prescreened offer from SoFi for a personal loan up to {$93000.00}. 

I do not believe SoFi understands the purpose of prescreening individuals and direct marketing to them. I could understand if something changed with regard to my bureau report or my income ( ability to pay ) but that 's not the adverse action stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureau have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had a wells Fargo account but didn't have any access to it to withdraw my funds and was restricted from using my debit card and was blamed for fraudulent activity I was bummed about the situation and was done wrong and they kept my funds and it was around XX/XX/2018 amount of XXXX were never seen after that.