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

The Credit bureaus need to update their system with the correct information for my student loan Paid in Full and positive status. I spoke with the student loan representative they told me to send that information to them in XXXX and resend it the first week of XXXX. Therefore, it should be reflected as such immediately in my report. Theyre currently reporting as negative on my report which is a violation of 15 USC 6802. This is so stressful and hurts my score thats preventing me from applying for anything such as a car, apartment house, or credit card. 

This is a violation of The Family Educational Rights and Privacy Act of 1974 ( XXXX or the XXXX Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments. [ 1 ] The act is also referred to as the XXXX XXXX, for one of its proponents, XXXX XXXX XXXX XXXX of New York. [ 2 ] FERPA is a U.S. federal law that regulates access and disclosure of student education records. It grants parents access to their child 's records, allows amendments, and controls disclosure. After a student turns XXXX, their consent is generally required for disclosure. The law applies to institutions receiving U.S. Department of Education funds and provides privacy rights to students 18 years or older, or those in post-secondary institutions. Disclosure is permitted to parents of dependent students, and medical records are usually protected under FERPA rather than HIPAA. The law has faced criticism for concealing non-educational public records. 

The Privacy Act of 1974 ( Pub. L. 93579, 88 Stat. 1896, enacted December 31, 1974, 5 U.S.C. 552a ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. 

The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections. [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is ; Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX DATES-XX/XX/2020

: r

eceived two envelopes, one addressed to me and another addressed to my wife. The envelopes contained credit reports that we didnt request or file for. The credit report showed a soft pull for a home applicant. We arent in the process for a home loan. The mail addressed to me showed it to be generated o
n XX/XX/2020 at XXXX XXXX. 
There is also a date on the report showing date ordered on XX/XX/2020. That again is not a date we request any loans. We also werent  attempting to get a home loan.

ACTIONS- I looked up the company. There are many questionable historical facts that led me to report this.

I also sent an email to their customer service, but wanted to get ahead of anything.

AMOUNTS-There are no amounts of financial expenditures but it is for a home loan.

The fact that there were two envelopes, both with our credit reports in each, makes me wonder if this is two separate transactions.
Product: Credit reporting or other personal consumer reports

I do not recognize these queries in my 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 XXXXXX/XX/XXXX XXXX I do not recognize these late payments, these accounts were PAID and closed during covid because i lost my job, please request that they be eliminated since it tremendously affects the possibility of improving my financial life. 
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
Product: Checking or savings account

Im very been dealing with an issue for something that wasnt explained properly. I did the requirements in order to receive a bonus on my Wells Fargo checking account. I accidentally opened a duplicate account and within a few days when I wasnt busy called and explain I didnt need those and closed them. I then did the requirements only to be told from Wells Fargo executive team that I wont be eligible because of the open accounts that I closed. No one in Wells Fargo explained anything until I had to call. No emails, no calls or information to let me know the bonus would be denied. I will seek legal and have this published for next steps if this isnt resolved.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Consumer Loan

We established an equity line with SunTrust Bank, using our primary residence as collateral several years ago. While we spend six months a year out of state, we have our mail forwarded. Our last monthly statement from SunTrust was recieved on XXXX. We religiously sent SunTrust {$300.00} every month irregardless, depending on hearing from them if there were any changes or problems. Upon returning to our primary residence in XXXX, I recieved a call from SunTrust 's collection department demanding nearly {$4000.00} in late payments plus fees. It was then learned that our payments were increased to over {$800.00} permonth back in XX/XX/XXXX. We checked with our post office and learned that if mailing envelopes from financial institutions do not instruct them not to forward correspondence, the mail is forwarded. SunTrust does not request the post office to not forward mail. This represents both unprofessional and unethical practices on the part of SunTrust. Not only are we faced with dealing with a rather large surprise obligation, but the bank still has the gall to charge fees on top of this unjustice. It is unexcusable for the bank to not try to communicate with us regarding this matter, or to be assured the correspondence be forwarded. When I brought this matter to SunTrust 's attention, they blamed the post office for returning all mail. It should be noted that all other first class mail was forwarded as ordered. This not only caused us a financial burden, but also affected out credit. We believe that SunTrust should have negated the increased obligation since XXXX, advised us of our increased loan payment and we would have gladly gone along with that. It would be interesting to ascertain just how many other customers experienced similiar treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through Experian I have several fraudulent inquires on my consumer profile that I did not authorize and they need to be removed immediately as per regaurds the FRCa law 1681 ( a ) ( e ). The inquires are as follows : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX BANK. XX/XX/2022, XX/XX/2022 AND XX/XX/202XXXX 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

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove.I have been verified by both TransUnion and XXXX that I am part of the Transunion and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response Equifax has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$5600.00}, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your actions have violated my rights as outlined in the Fair Credit Reporting Act, specifically under 15 USC 1681 Section 602 and Section 604A. As a consumer, I have a right to privacy, which includes restrictions on credit reporting agencies furnishing accounts without my written instruction, as mandated under 15 USC 1666b. THIS COMPANY HAS VIOLATED MY RIGHTS BY CONTINUOUSLY REPORTING AND SENDING MY STATEMENTS TO THE INCORRECT ADDRESS! XXXX XXXX XXXX -- -this is not the consumers address 1. AMEX It has come to my attention that a late payment on my credit card account under an open-ended consumer credit plan has been treated as " late '' for reporting purposes. This action is in direct violation of the aforementioned statutes. 

I have repeatedly requested an address change as I have never lived at this address in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I have disputed the inaccurate accounts within my credit report for almost 5 years now. Every time I dispute is sent in with attaching documents, the credit bureaus dont hesitate to send responses in the mail and or email saying ALL ACCOUNTS ARE VERIFIED AS ACCURATE. Well, how accurate are they XXXX and TransUnion? 

XXXX has also stated in their disputes that they will NOT be investigating these accounts anymore because they have been previously verified by the furnisher. This is a violation of the FCRA and Im demanding {$1000.00} fine be paid to be for each account that was not investigated as well as the inaccurate information within. 

XXXX lists XXXX as having payment history but TransUnion doesnt show any payment history. Whose correct? 

Next, XXXX lists XXXX XXXX with no payment history and no date that the account will fall off my credit report. Why and how is this account accurate? Where is the ON RECORD UNTIL date XXXX? Or do you plan to keep this on my credit report forever? 

Third, TransUnion lists XXXX with no payment history but XXXX has payment history. Whose correct? These are answers that Ive been trying to get for over 5 years now to no avail. 

Lastly, TransUnion lists XXXX XXXX with 6 months of payment history for an account that was in good standing and open since 2016. Where is all the other years of payment history TransUnion?? 

These accounts are clearly inaccurate. Both XXXX and Transunion can not be correct. Someone has to be wrong here. 

If the same information is being reported by the exact same data furnisher, why are these accounts not showing the same information? Why are there errors and discrepancies? 


I DO NOT want another reinvestigation done because you supposedly verified these accounts as accurate. Now Im demanding {$1000.00} for each account listed and the immediate deletion of the accounts mentioned above. Failure to do so will results in me taking a higher action. 

Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed inquiries that I did not authorize. I never gave XXXX XXXX to review my credit profile. 

XXXX : XXXX Transunion XX/XX/2023, XX/XX/2023, XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act DEPTEDXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 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.
Product: Mortgage

In XXXX my husband became very ill. I was the primary caregiver and took care of him until he unfortunately passed away XX/XX/XXXX. After that I was impacted by the hurricane and my damage was lower than my deductible so I had to pay out of pocket. Due to these two issues I fell behind in my mortgage. I then began a medical transportation company and as we were growing our clientele the COVID pandemic happened and we had to reorganize our entire operation. I sent a modification package to my lender on XX/XX/XXXX. On XX/XX/XXXX I received an email asking for information regarding a monthly payment to XXXX. XXXX is an insurance policy that I must carry based on the transportation I provide. I sent in the XXXX policy and a letter of explanation. I was also asked to clarify income from a prior review. I sent in a letter of explanation regarding the income. The income was rent that my children were contributing to the household. Since my company is profitable and I no longer need the income, my children are no longer contributing. Although, I sent this in I received another email XX/XX/XXXX asking for the same documents. Again, I sent in the policy, letter of explanation and explained in the email that XXXX is an insurance policy and not a line of credit. On XX/XX/XXXX. The same documents were requested. We again explained, they again asked for the credit line information regarding XXXX. At this point, we would like the lender to read our explanation and put us into underwriting. We are unable to convey to the lender the information they are asking for. XXXX has no credit line, it is not debt. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2400.00}.
Product: Student loan

AES now holds most of my private loans. They refuse to send one statement with all of the loans and loan amounts on one statement. Instead I get a series of confusing and contradicting information. They also will not help me to navigate the pursuit of discharge because of my XXXX, I continue to ask by phone and in writing for straightforward instructions on the discharge process.
Product: Credit reporting or other personal consumer reports

This incorrect address has no association with me, and its inclusion on my credit report is an error. I respectfully request that you update my credit file to reflect my correct address and remove the incorrect address immediately.
Product: Mortgage

I obtained a mortgage from Webster Bank through XXXXXX/XX/XXXXXXXX and the underwriting process ( I am not sure if the underwriter was internal or external ) made me suspicious ofXX/XX/XXXX 

I provided all of the required pay stubs and tax forms as requested in the loan application. Prior to my application being approved, I was asked to provide a letter from XXXX XXXX explaining the items on my pay check, my XXXX XXXX representative was emailed to confirm that I hold the position that I do, I was asked to explain why my title is "XX/XX/XXXX does not appear as a line item on my checkXX/XX/XXXX ), I was asked to clarify what type of XXXX I identify as, I was asked to explain a 1 month gap in XX/XX/XXXXduring which I changed jobs from the XXXX XXXXXX/XX/XXXXXXXX XXXX, and I was asked to provide additional pay stubs prior to closing ( this request seemed reasonable to confirm my income had not changed ). All of these requests were asked in a very piece-wise fashion ; I would address XXXX request from the underwriter and then days later have a new request. I have consulted with friends and colleagues who work at the same institution that I do, it does not seem that these requests are standard. 

My salary is quite high, my XXXXXX/XX/XXXX, and I haveXX/XX/XXXX. I am happy to provide my financial information in a secure way.
Product: Debt collection

Jefferson Capital was found on my credit report a total of four times. One states XXXX, 2 as XXXX XXXX  and one as a iXXXX XXXX. I wrote Jefferson Capital being I have not one heard of this company before and two, I have no idea what these debts are for. I specifically asked for a validation of these accounts by terms of a contract baring my original signature and date of last delinquency as it is not being reported. This company has violated my rights under 15 USC 1681S-2 inaccurate reporting. They have failed to provide documentation of Validation of Debt upon request. They have failed to comply to the law that states that written permission be given from the consumer. I have never had a contract with this creditor I am not liable for this debt. My request is for them to remove and delete this account from all 3 credit reporting agencies, XXXX, XXXX and XXXX. I do not have any documentation to present as stated prior I do not have a contract with this creditor. Nor have they provided any documentation that I do.
Product: Debt collection

Debt Showed up on my credit report from " RELIANT CAPITAL SOLUTIONS , LLC '' RE : a debt of XXXX that is owed to " XXXX XXXX XXXX XXXX  '' located in XXXX XXXX, Nevada. 
I have never lived, or visited Nevada in my life. I have never been to or enrolled in a school by the name given. 
I have always lived in California. I have worked in California at the same location for over 10 years at a place of employment that requires i be here in person. I could never have gone or lived in XXXX and continued to be employed here in California. 

I called the creditor on XX/XX/XXXX. They were able to tell me the account was open in XXXX of XXXX and on XX/XX/XXXX went to collections. They were not able to give me any other information as they could not verify i was indeed who i said i was. 

I spoke with XXXX and this account does show up on their end but again, never lived or been to XXXX XXXX. Never enrolled in the school mentioned. The debt is not mine. They opened a dispute and suggested i contact both CFPB and FTC.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be verified or removed immediately :