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

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

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Vehicle loan or lease

I purchased the car over a year ago and the interest rate was extremely high, I called to get interest rate lowered to I have made all my payments on time and they said they did n't do that.
Product: Credit card or prepaid card

Capital One lied to the CFPB. Their response was fraudulent and perjurious in case XXXX. 

The CFPB needs to investigate the answer given by Capital One. Capital One needs to have an actual security expert instead of a customer service representative answer the complaint.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any erroneous accounts should be removed from my credit report. Could you review the documents? There are inaccuracies in some of the listed accounts, particularly in terms of amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanDepot.com has placed hard inquiries on my credit every few days. I did NOT take out a loan from them, however they keep driving my credit into the ground with their inquiries. I did not request these inquiries. I have called and spoke to several people there and emailed them, and all of these people say they can not help me because I did not take out a loan. They will not stop these inquiries. They are predatory and I am a victim of their practices. 

Dates : LOANDEPOT COM LLC via XXXX Requested On : Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.
Product: Credit reporting or other personal consumer reports

The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. 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. Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. Experian is reporting inaccurate information on my credit report. I have attached documentation showing my all XXXX of my credit bureaus report side by side and the inaccurate information you are porting on my credit file. The information on my attached documentation is highlighted in yellow. The information is as follows : XXXX XXXX XXXX Account # XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is XXXX XX/XX/XXXX. PLEASE XXXX TRADELINE FROM MY CREDIT REPORT. 
XXXX XXXX  Account # XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Account # XXXX for inaccuracy because you are reporting the date last active XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX Account # XXXX for inaccuracy because you are reporting the date last active XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. PLEASE REM0VE TRADELINE FROM MY CREDIT REPORT. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and XXXX of the FCRA violations I can fie a lawsuit is your Failure to correct or delete inaccurate information within 30 days of a dispute. THERE IS NO WAY THAT ALL OF YOU CAN BE RIGHT IF THE INFORMATION IS COMING FROM THE SAME DATA FURNISHER
Product: Student loan

I tried to settle this dispute offering a large portion money owed on my private educational loan, but XXXX refused, called me and my fianc all sorts of foul names. I then received notice that my loan had went to judgement and I can no longer negotiate. What can I do, to help my situation XXXX is nasty, and they will not leave me alone. I want to get things squared away so I can get rid of the judgement amend move in with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumers ' request for the removal of unauthorized inquiries completely from my Credit report without providing proof of verification! These inquiries are unauthorized and were made due to identity theft. I have never authorized anyone to inquire something on my behalf and by continuing to report these inquiries without proper verification is a clear violation of a consumer 's rights under the FCRA. I am submitting this complaint to request the removal of these inquiries completely from my credit file : XXXX. XXXX XXXX IN XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 an account without my written instructions
Product: Debt collection

i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau has listed Tax Liens both Federal and State which are clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds and the Court have provided them with the negative public  record as seen in my Experian Credit Report. The names of the court and of the Recorder of Deeds is seen on my credit report. It shows that the court and recorder of deeds provided Experian with the information. 
I have enclosed documentation which show the credit report as well as documentation from the court system that indicate that there is no reporting by them to any credit bureau. 
The problem is that none of the information is accurate. 
I know that Experian gets its public information from XXXX or another third party such as XXXX XXXX. They regularly collect public records information into their database and then sell it to the credit bureaus. It is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a court when it is actually obtained from an unnamed 3rd party. Multiple letters were sent to Experian.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding multiple erroneous late payments that have been reported on my credit file for my XXXX account XXXX Account # XXXX ) from XXXX to XX/XX/year>. These late payments resulted from a documented technical error with the automatic payment system, which was entirely out of my control. 

Despite my efforts to ensure timely payments, an issue with the creditors processing system caused delays, leading to unjustified negative marks on my credit report. I have attempted to resolve this matter directly with the creditor, but my concerns have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Laws, I am entitled to a fair and accurate credit report free of erroneous information. 

Legal Basis for Removal : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate information to credit bureaus. Since these late payments were caused by a technical issue and not financial negligence on my part, they should not be reflected on my credit report. 
FCRA 1681i ( a ) ( 1 ) : I have the right to dispute inaccurate or unverifiable information, and the data furnisher must properly investigate and remove any incorrect reporting.

FCRA 1681s-2 ( b ) : If an error is disputed, the furnisher is legally obligated to conduct a reasonable investigation and correct the inaccuracy.

Despite these legal protections, the inaccurate late payments remain on my file, significantly impacting my creditworthiness. I am requesting immediate removal of these late payments from my report to rectify this matter. 

Next Steps : If this issue is not resolved promptly, I will have no choice but to file a claim in my local small claims court to seek damages for financial harm caused by this reporting error. I am also prepared to escalate this matter with the appropriate regulatory agencies overseeing fair credit reporting practices. 

Please confirm receipt of this complaint and provide an official resolution in writing. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due
Product: Checking or savings account

On XX/XX/2024 and again on XX/XX/2024, Wells Fargo at the request of a phone caller, ( not me ) transferred a total of $ XXXX my checking account to my savings account. At that time the caller ( not me ) requested the mailing address on the account be changed to a post office box, then the savings account be closed and the total in the amount of {$45000.00} be mailed to the new post office address. which they did and they then cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Debt collection

I submitted a police report to transunio with files that were stated as identity theft I even went as far as to name the suspected perpetrators file # XXXX, and according to the fcra section 605 b when I submitted the police report rhe credit bureau shall block the file until the investigation is complete and I spoke to XXXX XXXX and a very nasty toned XXXX XXXX from trans union about the matter and I repeatedly asked why they would not block the files while the investigation was on going and that it is my right according to the fcra unless they are attempting to site section c wich would be insinuating that I was attempting to defraud a vendor wich I really hope that they were not attempting to do .I took and signed a sworn statement against those accounts punishable by imprisonment for lying and on top of that what man makes up that a perpetrator is his own mother or sister, and on top of that upon the issuance of the police report with the fraudulant a counts that should put the burden of proof on the lender/creditor but they are allowing the creditor to simy say the account is valid .I swore a statement punishable by jail willing to send my mother to jail, transunions stand is absolutely ridiculous in allowing such a simple responce for proof of course the creditors have my info the accounts were in my name the perpetrators had my exact information for XXXX sakes they lived in my house, so the creditor saying they have my information is not enough I swore a statethat i am not the party but transunion has repetitively allowed the companies to update FRAUDULANT files time and time again no matter how much I fuss, and with the help of supervisors like XXXX XXXX they are at will suppressing consumer rights with zero consiquence .I can see that the handling of consumers rights and reports have not changed much since the incident in 2017 it makes me wonder if the switched from baiting consumers with links to working with lenders for paying just read one of the papers they give there supervisors when they start named " protect the revenue '' my rights have been severely violated with this and shown no respect as to what has gone on with my credit instead been talked to and treated like a suspect the whole way threw. Please direct dir or maam force them yo respect my rights and those of other victims and hold them accountable for what they have done and the damage that they have let happen to my credit file by suppressing my fcra rights by refusing to block while investigating, and allowing such a shallow burden of proof from the ftaudulant accounts when there is so much as stake XXXX may not cate about my families and I well being in this world, but if it were her I was typing about I would argue just as Hard please force them to remove theses fraudulant accounts from my account and repair the damage done to my report by their blatant disregaud, and neglect for my credit health and well being
Product: Credit card or prepaid card

I made a XXXX grocery delivery order on Sunday XXXX XXXX. Some how the app glitched and still took my payment. XXXX had no record or my order and issued a refund. Still hasn't posted to my account. XXXX said the money should be available to me by now, it cleared their program and bank 2 days ago. This is not the first time this has happened to me but with first time with my XXXX card. Powered by XXXX and issued by XXXX  XXXX. I called XXXX support and they told me Monday and then I questioned that and they said I have to wait for it to fall. The first time I waited 10 days. I have another card issued by XXXX XXXX and have zero issued with this card. I feel this program for XXXX  is holding the money longer and it's not theirs to hold. 
Called XXXX  support and keep getting a script for them all. They have done nothing for me on the first issue and nothing on the second. They should be audited for fraud! 
I have also made a formal complaint with XXXX XXXX  in the phone and in writing. 
I need my money and they are holding it illegally. I can not see anything on the pending transaction except pending and the date it was made. 
Note : XXXX and XXXX XXXX have been doing an awesome job working with me. This complaint is for XXXX by XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following account from my credit report, as I have been a victim of a data breach, and this account was fraudulently opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information blocked and removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : {$2200.00}
Product: Bank account or service

We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers.
Product: Mortgage

Our mortgage is held by US Bank. We accepted a forebarrence plan that would run from XX/XX/XXXX to XX/XX/XXXX. I had asked to extend it until XXXX of XXXX, but they said it ran out. So, we applied for and were accepted for a Deferral Agreement to add the amount of the forebarrence to the end of the loan. We signed everything and submitted all the documents they asked for. As of today, XX/XX/XXXX, on my online account it states that the process is 75 % complete and could take 85 days to complete. In the meantime, our payments would resume at the new amount beginning XX/XX/XXXX. Starting in XXXX in XXXX, we received letters in the mail that we were in default and they would be starting foreclosure proceedings. All the payments the are falsely considered late were included in the forebarrence and now in the Deferment agreement. Nothing has been reported and nothing appears on my online account about any foreclosure, just the mail. I made the XXXX, XXXX payment, but they sent back a check for {$17.00}, stating suspense, but it doesnt show where the remainder of the payment went or where it was applied. I also made the XXXX payment, and am now waiting to see if that either gets applied or returned. 
I have talked to several people at US Bank, but no one seems to have any answers. I also wrote letters to 2 US Bank departments and the Law Office mentioned in one of the letters, but have not received any replies.

I need this resolved ASAP, before they think they can take my home. We did and sent and signed everything they asked and still ended up in this mess.