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

In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : 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

Update and remove the account that is inaccurate. Please see the documents I attached to confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This would be 3rd time I've tried to get XXXX to correct information on XXXX XXXX XXXX regarding a car loan that was paid off. Documentation was submitted. Seems every time I try to get this fix suddenly my score drops 30-50 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experians is reporting unauthorized inquires that I have no knowledge of on my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

NY CHILD SUPPORT ENFC : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

i have had my identity stolen and have spoke with alll XXXX bureaus and submitted paperwork and they have not complied with the law, they will nor remove the fraud items
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. XXXX bal XXXX {$590.00} acct. XXXX. Acct. XXXX, XXXX Acct. XXXX {$65.00}, US DEPT ED. BAL. {$13000.00} ACCT. XXXX8, US DEPT ED. BAL. {$11000.00} ACCT. XXXX, US DEPT ED. BAL. {$14000.00} ACCT. XXXX, US DEPT ED. BAL. {$14000.00} ACCT. XXXX, US DEPT ED. BAL. {$8800.00} ACCT. XXXX, US DEPT ED. BAL. {$23000.00} ACCT. XXXX,, US DEPT ED. BAL. {$6400.00} ACCT. XXXX,, US DEPT ED. BAL. {$3500.00} ACCT. XXXX,, US DEPT ED. BAL. {$3400.00} ACCT. XXXX,, US DEPT ED. BAL. {$7400.00} ACCT. XXXX,, US DEPT ED. BAL. {$7800.00} ACCT. XXXX,, US DEPT ED. BAL. {$10000.00} ACCT. XXXX,, US DEPT ED. BAL. {$5000.00} ACCT. XXXX,, US DEPT ED. BAL. {$8600.00} ACCT. XXXX,, US DEPT ED. BAL. {$6600.00} ACCT. XXXX. 
I have never given permission to anyone to report the above information to Equifax.
Product: Mortgage

Mortgage Solutions Financial ( MSF ) is the mortgage company involved in my complaint. I am the property owner and I purchased the property on XX/XX/XXXX with escrow payments for the property taxes to be collected, managed, & disbursed by MSF in a timely manner. MSF took the account off escrow in error sometime between XX/XX/XXXX and XX/XX/XXXX. No XXXX taxes have been successfully processed to date, eventhough the MSF tax portal shows disbursements. The money was taken from the escrow on XX/XX/XXXX, but is unaccounted for. Specifically the taxing authorities involved have not received payment. Also of concern is that the disbursements dated XX/XX/XXXX don't include the late fees and as stated have not been submitted to the taxing authorities. Where is the money? 

In a nutshell, MSF is not taking the matter serious and I am being assessed late fees. Here is a synopsis of my actions in an attempt to quickly resolve this issue. 
I received a delinquent tax notice on XX/XX/XXXX for the XXXX County Tax Assessor for I immediately called MSF and was informed that my account had been removed from Escrow Payments in error and that I would receive a letter in 2 weeks advising that the problem was corrected. I paid the tax bill on XX/XX/XXXX to avoid late fees. I paid in total XXXX, see receipt attached below. Between XX/XX/XXXX and XX/XX/XXXX I have not received any update or correspondence about the mistake made by MSF as it relates to the escrow issue. On XX/XX/XXXX I received two delinquent notices from : 1. MUD # 2 original tax amount XXXX, current amount is now XXXX includes a 7 % delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ) 2. R.U.D. original amount XXXX, current amount is now XXXX includes a delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ). 
I checked with both taxing authorities and verified that no payment has been received to date. I then called MSF and spoke with XXXX ( manager in the tax department ) and was advised that on XX/XX/XXXX the funds were withdrawn from my escrow account but the money has not been mailed to the taxing authorities as of today XX/XX/XXXX and can not be accounted for. I sent an email to MSF because I am very concerned about this issue. I am filing this complaint so that I will have support from CFPB that someone in authority will address my concern. My monthly mortgage includes billing for taxes and MSF is holding sufficient funds in the escrow account to cover the taxes. I don't know what more I can do. I've called and called but no one at MSF is assisting me.
Product: Credit card or prepaid card

CBNA/Best Buy reported me late after they confirmed they had my address on file incorrect and that the statements were returned to them. I never got a phone call or an email about this. Then my credit report shows that they reported me late when in fact I was n't, I never received my bill.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite XXXX written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) XXXX for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but XXXX has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and FRB. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the report. 

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

Citibank granted me a partial refund under XXXX in the amount of {$2100.00} for XXXX fraud out of a total of {$9900.00}. As a recovering XXXX XXXX XXXX patient with XXXX XXXX, I requested the additional {$7800.00} fraud committed by my caregiver for her own use to assist an ailing relative. A temporary credit of {$7800.00} was given by Citibank and then recovered several times. Since I am an XXXX XXXX XXXX individual recovering the the effects of XXXX XXXX XXXXXXXX and XXXX XXXX, how was I expected to be on top of my finances as a much healthier individual would be? I need above average consideration under these circumstances as I have been defrauded by my caregiver who used my check routing number without authorization to purchase services through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my XXXX and Experian  credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on XXXXXXXX Experian  states I never made.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX XXXX Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ). XXXX not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of late payments on my XXXX  XXXX account, as reflected in your records. This is my second dispute regarding this issue, and despite my previous submission, no corrections have been made. I kindly request that you re-investigate this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
Reason for Dispute The reported late payments for this account are inconsistent with my records, which show that I have consistently made payments on time. Specifically, the reported XXXX, XXXX, and XXXX late payments reflected in your records ( XXXX instance of 30 days late, XXXX instances of 60 days late, and XXXX instances of 90 days late ) are incorrect. I have attached supporting documentation, including account statements and a detailed payment history, proving my timely payments. 
Evidence of the Error I have reviewed my payment history thoroughly, and it demonstrates the following : All payments were made on or before the due date. 
There is no evidence of late payments in my account records. 
My previous dispute outlined the same inaccuracies, yet your records remain unchanged. 
Request for Investigation As mandated by the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I request a thorough investigation of this account. Additionally, I am requesting the following : A detailed description of the investigation process you followed for my previous dispute. Per 15 USC 16811 ( 7 ), you are required to provide this information within 15 days of my request.

Proof supporting the claim of late payments on this account, including dates, amounts, and any relevant communication. 
If you can not verify the accuracy of the late payments, I demand that the account be promptly updated to reflect its correct status : Paid As Agreed Never Late.

Reference to Legal Obligations Under the FCRA, credit reporting agencies must ensure the accuracy of all reported information. Additionally, per 15 USC 1666 ( b ), creditors are required to mail periodic statements at least 21 days before payment due dates. I demand evidence that these obligations were met. Resolution Timeline Per the FCRA, you must complete your investigatio
n and provide me with a written response within 30 days of receiving this dispute. Failure to comply will constitute a violation of federal law.

Supporting Documentation Enclosed, you will find the following : A copy of my Social Security Card for identification purposes.

A copy of my government-issued photo ID ( Drivers License/Passport ) to verify my identity.

A copy of my credit report highlighting the inaccuracies. 
I expect prompt action to rectify this matter. Your cooperation is essential to maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

First Progress is attempting to collect a debt on my credit file XXXX no longer owed. I never received any notices or collection notices about this debt, any phone calls. Until I checked my credit and noticed debt I called immediately and paid the debt off. I feel like they are in violation of my 30 day right to dispute. Per the FCRA I should have been given a letter to prove my debt and dispute it and I never did.
Product: Mortgage

I fell behind a few months due to unexpected issues. I sent payment in XXXX and my check was returned. I have been trying g to make payments since XXXX and get a repayment plan. I have gotten the run around .my loan number is XXXX.
Product: Checking or savings account

I received a XXXX to switch XXXX XXXX on XX/XX/19. After carefully discussing with the surgeon what I wanted and getting his OK. We set that date. As soon as I wake up I noticed something was wrong, I called the surgeon and he explained a smaller size had to be put in and not to worry. Three days later when I went to the post op I explained I was not happy as I did not want that size and I specifically said what I wanted and he didnt say no. The office basically said I need to pay {$1000.00} more to get the size I want and that its basically my fault. When I opened the dispute with my bank I explained all of this letting them know what I wanted and showing proof of what I received. I sent a letter from a different doctor stating the size I wanted was perfectly fine for my body and I posed no risk. I also sent a quote from the new doctor. I never signe anything agreeing to the size I currently have so I dont understand how the bank is telling me I can not get my money back and that the doctor is right!! I am baffled it seems to me like this doctor knew I was not gon na be happy and thought I was gon na pay more! It cost me {$4800.00} of my hard earned money and now I am dissatisfied with goods I didnt want bad service and no money!! The bank I have is CHASE
Product: Debt collection

Pioneer Credit Recovery is Cursing me out hanging up in my face there not willing to negotiate at All. They are not even giving Tax payers a Chance to pay back on the Loans. I 've attempted to send them payments they will not except what I can afford to send them to pay off the loan. Pioneer Credit Recovery is the worst government collection agency collecting revenue for the United States of America. They continue to attempt to Garnish funds form my Job event after I have attempted to pay them and make Payment.
Product: Credit reporting or other personal consumer reports

Santander Auto is still reporting repo from 2016 that's NOT ACCURATE, WASN'T A REPO
Product: Credit reporting or other personal consumer reports

I have called each credit bureau and sent mail disputes about the following inquiries and accounts - items that are not validated. Each credit bureau has requested I file an Federal Trade Commission Report through Idenitytheft.gov. I have filed the report which i have ( attached ) which all the the following accounts listed are in the ( attached report ) : Accounts To Be Removed : 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

I submitted a complaint with the CFPB on XX/XX/2022 concerning a collections account on my credit report with XXXX XXXX XXXX and it is now XX/XX/2022 and I haven't received a response. According to the FCRA ( B ) Time of notice ( i ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. This is a violation of my rights as a consumer. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX nor its affiliate company XXXX XXXX XXXX XXXX XXXX not licensed to collect debt in the state of ALABAMA.
Product: Mortgage

I have home equity line, originally from XXXX XXXX XXXX, acquired by Specialized Loan Servicing account # XXXX. I have XXXX balance. 

I have tried -- 5 times now -- three via phone, one in email, and on with their online system to close this account so that I can proceed with refinancing. They respond consistently that I need to pay off the account, or request a payoff quote, which I have -- which is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverifiable inaccurate items in my report, I have sent 5 letters to the credit bureau ( Transunion ) asking for verification,. In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Given that I believe they are acting in bad faith, and have not complied with the federal and state laws,
Product: Credit reporting or other personal consumer reports

I recently noticed that an ex friend used my name and social security to obtain a dental loan. I am listed as who the loan was approved for which is false and I DID not consent. She has apparently been making payments on her own while pretending to be me. I want this resolved and me removed from this loan as soon as possible. Im not sure how to go about fraud and who or where to report.
Product: Debt collection

Creditor is XXXX. it is listed as a collections account on my XXXX report. The subaccount name is the Midland fund. This debt is not mine. It belongs to my father XXXX XXXX XXXX who lives at the same address. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX