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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit
report immediately : 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

To whom this may concern, I am writing to express concerns regarding TransUnion 's handling of a number of disputes and requests for information regarding unrecognized information on my TransUnion report. Specifically, despite numerous disputes and letters sent to TransUnion not only disputing suspicious records but requesting the documents, records, and actions used to make a dispute determination - TransUnion has not fulfilled its obligations under both California and Federal Law.
To be more precise : 1. ) TransUnion appears to be purposefully delaying the execution of dispute investigations that are submitted through XXXX XXXX. Historically, TransUnion responds to dispute requests within 7-10 days. However, TransUnion has taken the full thirty days to respond to multiple disputes that have been filed through XXXX XXXX. It reasons that TransUnion is delaying the submission of the dispute result to XXXX XXXX and the consumer to avoid additional disputes and or hoping that the consumer will forget about the dispute after 30 days. Either way, this appears as a rather abusive tactic to avoid good faith compliance with state and federal laws - which ultimately harms the consumer. 2. ) After TransUnion made a determination on credit accounts labeled as " XXXX XXXX '', " XXXX XXXX '', etc I made multiple formals request to be provided with the documents, records, and actions TransUnion relied upon to make their determination. To date, TransUnion has not responded to these letters no has TransUnion provided the requested documentation. Because TransUnion is not providing me with the documentation, there is no way to ascertain whether TransUnion is actually investigating these disputes in a professional, diligent, and timely manner. 3. ) It is worth mentioning that there are other outstanding concerns with TransUnion 's handling of my consumer file, which includes the willful inclusion of known-to-be incorrect address information. However, for the purpose of this complaint, I want TransUnion to address the above issues and provide me with documentation concerning my correspondence to TransUnion, the documents, actions, and records relied upon in their investigations, and an explanation as to their behavior as I try to resolve problems with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT TRANSUNION, XXXX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

onXX/XX/2023 I submitted a letter to Experian. Within said letter I requested that several inaccuracies be removed from my file. 

Experian did in fact remove several inaccuracies from the report, however they failed to remove several others, Specifically ; XXXX ) an address dispute for " XXXX XXXX XXXX, XXXX PA XXXX XXXX ) an Inquiry dispute for XXXX XXXX XXXX XX/XX/20233 ) an inquiry for XXXX  XXXX dated datedXX/XX/2003 It has been well over the 30 day allotment that is regulated by the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

The statue of limitataions on this account is up. This this type of reporting and furnishing of a inaccurate account on a credit report is violating federal laws under the Fair Credit Reporting Act and Fair Debt Collections Practice Act. 

- Date Opened : XX/XX/XXXX Making it over the ( 7 ) year limit to furnish or collect on a debt. 

- Date of Last Activity : Furinshing ( 3 ) differernt Dates, Months, & Years - Late Payment : Year XXXX XXXX [ OK ] XXXX [ 120 LATE ] XXXX [ OK ] - THIS ACCOUNT IS A CHARGE -OFF : A CHARGE -OFF CAN NOT HAVE A HIGH BALANCE OR BALANCE - A CHARGE OFF CAN NOT REPORT LATE PAYMENTS FURTHER AFTER CLOSED DATE OR AFTER IF THE ACCOUNT REACHED THE STATUE OF LIMIITATION. 

If the account was charged- off, I never recieved a 1099 tax form. 

Violations used against me : 15 U.S CODE 1692 ( g ) Validation of Debt 15 U.S CODE 1681 ( a ) ( 2 ) Permissible Purpose 15 U.S CODE 1681 ( b ) Inaccurate False Reporting 15 U.S CODE 1681 ( e ) ( b ) Collection Must Be 100 % Across All ( XXXX ) credit reporting agencies
Product: Credit reporting or other personal consumer reports

FIRST XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX, US BKPT CT VA XXXX account # XXXX and XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Im a victim of the XXXX data breach. Someone used my personal information to obtain two credit cards. From XXXX XXXX XXXX on XX/XX/21 and another card on XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax account mixes another person 's name and DoB under my social security. That person has a delinquent account and some addresses that don't below to me. I have submitted two disputes, the first one asking them to correct the name and DoB, and remove the false addresses. The result said the addresses were removed, but they weren't, and it didn't mention correcting the name. 

I submitted a second dispute asking ( again ) to correct my name and DoB, and remove the account that does not belong to me. Equifax simply ignored the ask to correct my name and DoB, and used the wrong name and DoB and issued a false report saying that the account does belong to me. There is no mentioning of correcting the name in the report again. 

I do not understand how Equifax is able to put some accounts under my name and DoB and my SSN, and one under a different name and DoB, ALL under my account, and ignore my request of correcting the personal info TWICE. I think it makes sense that neither XXXX or XXXX uses it. 

Additionally, Equifax let me see the account history of that account which does not belong to me. It clearly violates that person 's privacy rights and is a violation of data security practice.
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX  for {$1400.00}. I do not have a contract with Midland Funding LLC and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4. 

Furthermore, between the dates of XX/XX/2023 and XX/XX/2023 one or more credit bureaus have REMOVED this account from my credit report due to these violations and inaccurate reporting.
Product: Debt collection

Oportun Inc say I owe them {$550.00} and I never recall even signing ups for them been trying to dispute this matter for almost a year now.
Product: Mortgage

mortgage Servicing company ( XXXX  ) has not paid my property taxes ( {$7900.00} ) despite more than sufficient funds in my escrow ( $ XXXX ).  see attached files. both tax and mortgage statements attached.
Product: Student loan

Either on XX/XX/XXXX or XX/XX/XXXX, XXXX, I called Nelnet to see why I am getting charged {$55.00}. Nelnet told me I have 2 due dates so I was being charges twice per month due to me being transferred from Great Lake Borrowers. They told me they had to submit a form to a different department that will consolidate the due date but nothing ever happened afterwards. I requested a confirmation email for the work the agent did but never received anything. The same thing is occurring right now on XX/XX/XXXX. 

They did not offer any additional help or refunded the payment that I did not intend to make.
Product: Credit reporting or other personal consumer reports

I called the creditor ( XXXX  ) about false reporting late payment on XX/XX/2023. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. 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. These account [ XXXX ending on XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

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: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I looked at my Report have a Hard inquiry that I didn't authorize. Company shows XXXX XXXX, and I have no connection with.
Product: Bank account or service

Bank of American applied an excessive number of late fees in the amount of {$520.00}. They applied {$35.00} bank fee XXXX times to collect excessive fees. In addition, allows XXXX resubmit checks XXXX times to inflict as much damage to the consumer and allow Bank of America to apply excessive fees. The damage has been done because they have already taken my Social Security check with late fees. In addition, going forward I have to pay bills cover the {$520.00} that has been taken from my accounts. In addition, I have a family in XXXX while working XXXX causing my family undue harm.
Product: Checking or savings account

I started receiving emails from the Bank of America regarding the opening of an account on XX/XX/XXXX and several subsequent emails over the next several days. Immediately after receiving these emails, I forwarded them to Bank of America 's published Fraud email ( XXXX ) as I could not verify whether these were legitimate emails or phishing emails. Bank of America did not respond to any of the 7emails forwarded to them.

Several weeks later, my father mentioned that he had received several letters from Bank of America addressed to me at his address. I asked him to open them and send me copies. After reviewing the information sent by BofA, it appeared that someone had opened a checking account with my information. I immediately contacted BofA and was transferred to their fraud department, where the agent confirmed that an account was opened in my name online on XX/XX/XXXX and shut down by BofA on XX/XX/XXXX after the bank was unable to verify my identity. Unfortunately, 4 transactions were completed, 3 XXXX transfers to the account and 1 withdraw, somewhere in Washington XXXX. BofA went over the transaction details on the account, including providing me the names of the 3 people who were defrauded. At this point, I began to ask the agent questions about the policies of BofA. Specifically, why someone would be allowed to use the account before BofA was able to verify their identity. The agent told me that they allow online customers to immediately access their products for " convenience. '' I pointed out that it's not very " convenient '' for people like me who are victims of identity theft of for the 3 individuals who were defrauded of money because BofA decided to make it " convenient '' for someone to commit fraud. I then mentioned that, in one of the mailed letters, I received a debit card for the account and inquired how a person who only recently opened an account online could make a withdraw from an ATM without a debit card. The agent again replied, we give new customers access to a virtual debit card for " convenience '' until their physical card arrives. I again pointed out the flawed policy, which clearly prioritizes their products over the public interest of combatting fraud. The agent acknowledged that they are aware of the issue and that a new policy was set to be rolled out in XXXX. 

I am very disturbed that a financial company as large as Bank of America would be so caviler about combatting fraud that they would be aware of a glaring issue with their policies and slowly roll out a patch. Moreover, the fact that a 'customer ' can open up an online account, gain access to the features of the account, and access virtual debit cards all before the bank even confirms the person is who they claim to be feels negligent. They have an entire department devoted to Fraud Prevention and yet they knowingly have a policy that allows people to commit fraud because they are prioritizing their products over people 's security.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency XXXX XXXX XXXX is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( 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 Equifax 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 A credit account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Checking or savings account

Bank account open that i have no knowledge of opening. No fraudulent activities were performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX to be blocked based upon attached id theft report. Also requesting items to be deleted but BLOCKED if not deleted. These accounts have been blocked and deleted in past. Please see prior to XX/XX/2021 the items were BLOCKED but when my credit reports were merged it some how brought it back. Confirmation number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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.