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

Subject : Complaint Regarding Reinsertion of Fraudulent Information on My Credit Report by XXXX XXXX XXXX and the Credit Reporting Agencies I am filing a complaint regarding the improper reporting and reinsertion of a fraudulent XXXX XXXXXXXX XXXX account on my credit reports with Equifax, Experian, and TransUnion. The account has been reported as charged off and past due despite the fact that it was involved in fraudulent activity. Reinsertion of inaccurate or disputed information is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), and this issue is at the center of my complaint. 

Reinsertion is a significant violation of the FCRA, as it allows negative and inaccurate information to be reported again after it has been properly disputed and found to be incorrect. Under the FCRA, once information is disputed and found to be inaccurate, it can not be reinserted into a consumers credit report without undergoing proper re-investigation and consumer notification. Both XXXX XXXX XXXX and the credit bureaus involved have violated my rights by re-inserting this inaccurate and fraudulent information without conducting a proper investigation and without notifying me, further damaging my credit report and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX  XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX  XXXX Balance : {$40000.00}, XXXX XXXX Balance : {$30000.00}. 
XXXX XXXX XXXX Balance : {$1400.00} tied
Product: Debt collection

I have made a plethora of inquiries to Conn 's regarding a ln account that has been satisfied since XX/XX/2024. I have a clearance letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX! I can attach the letter I received form them! I am in The process of purchasing a home and in my last step this is still rendering me from moving forward! AS a result of this not being taken care of on Conn 's Appliance end I have been forced to sign an extra 4 month lease! I really need help with this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, we were reported 30 days late on our XXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my information mismatching with Someone else and so does XXXX  it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX
Product: Debt collection

Iam making a final goodwill will attempt to have you clear up this. Its my understanding that consumer financial protection bureau help enforce consumers right 's and stop bad reporting agencies from reporting inaccurate, incomplete errors on consumers credit report. Also be advised that this my third dispute letter, 120 days no response, this company is in violation of 15usc1681, no need for me to go into details and tell you the law your company know for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. Iam sure that you are aware current federal 1case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report on their responsibility must consist of something more than merely parroting information received from other sources which means that if you can't send me proof of this unknown account from your this company it must be removed its that simple. Another note for Violation is section 1692g ( B ) Collector must cease collection effort until debt is validated. Section 1692g ( a ) ( 5 ) must provide name/address of original creditor if different from current creditor which i have np idea of. Section 1692a ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies, this company has violated the laws, and have ignored my request to provide me with the documents thats in their file which i disputed months ago. Its obviously this company cant verify this account, and under section 611 ( 5 )  ( A ) of the FCRA you are required to promptly delete all information including the three major bureaus which can not be verified. Sounds like a civil liability, and i won't ever remedy that is granted to me for negligent noncompliance section 617 states if you fail to comply with this federal law, i can pursue litigation to enforce my right under the FCRA, i truly demand this account to be deleted immediately. 

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

Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my Experian or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my EXPERIAN report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The Experian Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked EXPERIAN to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED I HAD FRADULENT ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT AS THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting or other personal consumer reports

This is for XXXX and XXXX both still reporting information on both my Fortiva account to show XXXX XXXX  in late payments which isnt true whatsoever. This account was closed and paid in full. Fortiva also if called or if XXXX or XXXX would actually make a call to Fortiva they would quickly find out they have no record of me ever even having account let alone any sort of payment history! They had a system wide purge which cleared not only my information but everyones they continue to report false information. XXXX is the only reporting agency to actually take it seriously and call them on conference with myself to verify the proof. Not to mention I have mailed literally copies of emails from Fortiva admitting they have no information on me even with social security number provided, dob, and credit card number. They cant pull up nothing. In regards to XXXX XXXX XXXX is the only XXXX to fix as well and remove the XXXX false late payment reported and it actually updated today for both Fortiva and XXXX XXXX on my XXXX report.
Product: Credit reporting or other personal consumer reports

LEXIS NEXIS received my completed form and identification information but is refusing to provide the free annual report. 

LEXIS NEXIS does not want to provide me their annual report as they have stated " unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' LEXIS NEXIS is on my XXXX report under " soft inquiry '' LEXIS NEXIS is permitted to look into my financial privacy, without my permission or consent, but now when I ask to see the information they have created about me, they don't want to provide the information? 

Maybe LEXIS NEXIS forgot that I was an XXXX customer that had a insurance policy for the 2007 XXXX XXXX which was canceled with no explanation provided. The policy was canceled shortly after I refused to sign a affirmation document presented to me at the XXXX NY XXXX agency because it had false identification information about me and my daughter. LEXIS NEXIS provides information to insurance companies in New York State. After the XXXX policy was canceled LEXIS NEXIS made sure that I could not open another policy with a different insurance provider. I was refused a policy by XXXX XXXX and priced out of the market by the other carriers. My daughter could not drive the car for a few months until a new policy was issued to her as the new owner of the asset. 

Will L ; EXIS NEXIS provide accurate information or false information in the annual report? I can not correct what I can not see.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and responding discrepancies my financial institution and Zelle fail to investigate my claims adequately
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  have violated my rights.

15 USC 1681 section ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) section 2 It also states a consumer reporting agency can not furnish accounts without written instructions.

15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In XXXX XXXX took over our loan from XXXX XXXX XXXX. In XXXX as we were paying our insurance and taxes through escrow, XXXX allowed our insurance to lapse so we starting paying our insurance ourselves. In XXXX XXXX XXXX took over our loan and imposed forced place insurance on our home. We informed them that we had insurance but they continued to charge us. In XXXX Fay Servicing continued charging forced place insurance.
Product: Money transfer, virtual currency, or money service

I've sent multiple requests to Venmo starting on XX/XX/XXXX regarding them freezing my account. No communication has been received regarding any of my tickets nor the reason on why they froze my account. I've attempted to call customer service and they have failed to help in any way and have stated they need to forward this problem to another representative. As of now, the funds in my account are inaccessible and I can no longer receive or request money on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently was part of a cyber attack in which millions of people 's information was compromised. Only way to figure out if you were compromised is to visit a equifax website in which they try to sell you fraud protection. Should n't have to pay them for fraud protection when my information was compromised due to their security and no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

Company XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. Per Experian complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. Reference XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX  files. I have forward this info to Experian as well. Still no resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report recently and noticed that I had several hard inquiries from companies that I did not authorize. The companies are 1. XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX It is having a severe impact on my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

SYNCB/CARE CREDIT XXXX Falsified debt and information. After I disputed this charge on my credit report the only response I got from this creditor was a Charge off.. meaning I should have received a XXXX stating Syncb has written this charge off on their taxes. This is considered statutory damages and should be removed immediately! Falsely reported
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. XXXX XXXX XXXX XXXX XXXX has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXX, VA which dated back to 2018. Ive been living in XXXX, NC for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off formally reported on my credit file associated with the vehicle loan for the XXXX AUDI, XXXX ; VIN : XXXX. After XXXX XXXX from Compliance Consultant responded to my previous complaint. He agreed to remove the charge-off from credit bureaus. The account status is currently showing as derogatory and settled for less than full balance. However, the status should be closed, since the charge-off paid off account in full. This charge-off, which your company is reporting to the credit bureaus, is inaccurate, and I am requesting its immediate removal from my credit report. I am requesting its immediate removal from my credit report per applicable federal laws. 

Legal Basis for Dispute and Request for Removal : 15 U.S.C. 1692g - Validation of Debts : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the necessary documentation validating this debt. I request a detailed statement that substantiates the charge-off, including the amount owed, the original creditor, and the terms of the agreement. Failure to provide such documentation would render your continued reporting of this debt invalid. 

15 U.S.C. 1681s-2 - Duties of Furnishers of Information : Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate information to credit reporting agencies. If this charge-off is inaccurate, I demand that you immediately notify the credit bureaus to remove this erroneous entry. If you do not have proper documentation to support this debt or its charge-off status, I insist that you delete the entry as required by law. 

15 U.S.C. 1681i - Procedure in Case of Disputed Information : According to the FCRA, when I dispute an item on my credit report, you are obligated to investigate the matter within 30 days. Should the investigation confirm that the charge-off is not valid or inaccurately reported, you are required to update or delete the item accordingly.

15 U.S.C. 1681i ( a ) ( 7 ) - Deletion of Information : If, upon investigation, the information you have reported is found to be inaccurate, incomplete, or unverifiable, I demand that you immediately delete the charge-off entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent letters to Equifax and XXXX about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.
Product: Credit reporting or other personal consumer reports

Let me explain my circumstances. 
I have a low 700s Fico credit score on all 3 bureaus, it never goes above XXXX on all bureaus. 
All my accounts are current and have never been late. I have a perfect revolving payment history, and a perfect installment mortgage loan.

Zero Inquires on XXXX, 1 Inquiry on Equifax, 2 inquires on XXXX. My credit age goes back to XXXX, with a 4 % overall credit utilization. 
This all can be verified through the platform XXXX XXXX XXXX With all that being my credit score should be in the 800s. Minimally high 700s.

XXXX XXXX XXXX which uses a vantage score has me in the 800s. XXXX XXXX however is not the source mortgage companies ; auto dealerships and bank lenders use. They all use the trusted, more accurate fico system. 
My credit score never rises above 700s, and I just recently found out why when applying for a business line of credit and an auto loan and to my surprise was declined for both by primary lenders. I was forced to take a 16 % subprime auto loan, which is insane with my credit profile and score. 
in the XXXX XXXX XXXX and XXXX platforms there is a section in XXXX XXXX XXXX called " key factors ''. in the key factors and " additional scores '' section the langue used in both sections in bold red pertaining to my credit profile is below and the exact language used in the decline. Somehow this erroneous information is incorrect, somehow in my credit profile, and preventing me from getting and type of funding. This is also the reason why my credit score will not go above XXXX on none of the bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter in the mail from Comenity Bank regarding my XXXX XXXX account. The letter stated that as of XX/XX/XXXX my account was closed due to inactivity and information in your credit report. I dispute this action because I have made several purchases on my account, the most recent being XX/XX/XXXX. The letter goes on to list the following reasons for closing the account : bankruptcy status on credit report ( bankruptcy was filed and discharged 4 years ago ), delinquent past or present credit obligations with others, and unable to verify credit history. I called and spoke with a representative at XXXX XXXX who was unable to explain exactly the reason why my account was closed so I asked to file a formal complaint and was transferred to a supervisor who took a formal complaint. He did not seem too sure as to why the account was closed as he did not even have a copy of the letter himself. My account was opened in XXXX or XXXX and since then my account has ALWAYS remained in good standing. I have NOT ONCE gone over my limit and I have NOT ONCE been late making a payment.
Product: Mortgage

I've been trying to apply for a NACA mortgage with excellent credit no bills and income it seems like I'm being discriminated against. I've been trying to get approved since XX/XX/XXXX and I'm constantly having problems with my mortgage counselor not responding even when I meet all the conditions that is asked of me. I included my situation in detail in the pdf