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

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 

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

Transunion has a XXXX XXXX account on my credit report ( negative account ) Transunion is the only credit bureau reporting this negative charge off account on my report. According to the fair issac everything on all three reports must be reported accurately. This is a violation of my credit rights. I need this inaccurate account deleted off my transunion report because it is hurting my score. This charge off account also has a balance, a charge off account is not supposed to have a balance that is another violation and grounds for deletion.
Product: Credit reporting or other personal consumer reports

I've been trying to get Experian to update or delete inaccurate information reported to my account. According to Experian XXXX which is attach below the reporting in my XXXX account is not accurate its been reporting CO months after months affecting my XXXX XXXX. CO is not even on the guideline of how it should be report it. And according to experian glossary my report should be reporting as follow to be accurate XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( charge off ), XXXX ( closed ). Also, according to the glossary it should be account condition and account type. So how can a closed account have a payment history every month. This is inaccurate update it or delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on a Home Loan in XX/XX/2019 with XXXX XXXX  XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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 you 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 you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts, inquiries, inquiries, addresses, and phone # be verified or deleted immediately. 

Accounts TO BE REMOVED : XXXXXXXX XXXX ( FRAUD ) Balance : {$36000.00} Date : Last reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : $ Date : {$1000.00} Last reported XX/XX/XXXX, XXXX ( FRAUD ) Balance : {$0.00} Last report Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( FRAUD ) Balance : {$730.00}, {$430.00}, {$450.00}, {$740.00} Last reported date : XX/XX/XXXX, XXXX XXXX XXXX ( FRAUD ) Balance : {$3900.00} Last Reported date : XX/XX/XXXX, Dept of Ed ( FRAUD ) Balance : {$4000.00} Last Reported date : XX/XX/XXXX, Office of The Atty GEN ( Fraud ) Balance : {$0.00} Last Reported Date : XX/XX/XXXX Addresses TO BE REMOVED : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Thank You, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I withdrew from school in XX/XX/XXXX. When it was time to start paying back my loans I did not have the money to do so, but was unable to navigate Navient 's website to take the necessary actions. As of XX/XX/XXXX, I am now back in school and Navient is still asking me to make payments that I am unable to, calling and emailing me what feels like every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the XXXX XXXX XXXX. the account was closed with a XXXX balance and would be removed from my credit report by XXXX Customer Service department. The account is closed but still being reported as delinquent. According XXXX the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX  '' continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX, unbeknownst to me up until now. I have been a victim of Identity theft. Account # : XXXX - As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the XXXX. I have also complain to the CPFB and the only result I received was " UPDATED '', STILL REMAINS ON CREDIT PROFILE. PLEASE REMOVE IMMEDIATELY. According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been 30 days and XXXX  XXXX  EQUIFAX are in violation of this law because I am a victim of identity theft!! This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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 consumer I am demanding the deletion of the account listed IMMEDIATELY FROM ALL THREE BUREAUS. 

-Must be removed for Identity Theft -Must be removed Past the 7 years statute of limitations -Must be removed for reporting inaccurate information -Already complained to the CPFB -Must be removed for I am seeking Legal Council
Product: Debt collection

I hope you are doing well as I write this. I'm writing to discuss a very important issue with my credit report. I've discovered multiple unauthorized accounts on my credit report, which has adversely affected my creditworthiness. I firmly think that identity theft is the cause of these accounts, and they need to be resolved right away. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities about the alleged identity theft, including submitting a report to the Federal Trade Commission ( FTC ) and [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any legal transaction or credit application filed by me, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to remove them off my credit report.
Product: Checking or savings account

I received a letter in the mail from capital one, I am working and repairing my credit and I never applied to capital one to try to open anything. I want to take action and want all credit bureaus to be notified. That was not me opening any checking account because I am already with XXXX XXXX  XXXX. I am working on reporting this issue to capital one headquaters and might go get legal support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF THE FDCPA -- -FTC XXXX -- -- -RE : XXXX XXXX XXXX  Received report that the company certified the accuracy of an account that's not mine and I also certified that the account was not mine. I included and affidavit and well as my FTC report. Experian did not send me what they validated as accurate. Because if I certified it was incorrect and they claimed the company also certified it was accurate what method was used to do so because I did NEVER VALIDATED THIS DEBT which as a CONSUMER according to the FDCPA 15 USC 1692g I can ONLY validate this debt. WHo did they speak with what documents that I signed were used to come up with this accuracy they claimed. YOu also claimed I lived at XXXX XXXX XXXX and stated the company gave you that information I never lived at that address so that's innacurate. 
15 USC 1681 ( a ) 4 I have right to privacy and according to 15 USC 1681 ( b ) ( 2 ) nothing can be reported furnished on a consumer report without their signature.I never signed anything or gave XXXX or experian the right to share my information. 


THESE ARE ALL VIOLATIONS OF THE FDCPA. NEXT YOU WILL FILE THIS IN COURT.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Good day! I am reaching out to highlight some accounts in my credit report that are concerning that need investigation to get a lawful solution. I want to bring forward the account I found in my credit report that is inaccurate and inconsistent. Looking into my credit report I've identified some accounts that is violating the Fair Credit Reporting Act ( FCRA ), these violations are detailed as follows : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please provide correct evidence that I was late to this account, in compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you're unable to provide the required evidence needed, you can not deem payment as late, which also constitutes a violation of section 15 USC 1681s-2. I request that you update the account mentioned as PAID OR PAID AS AGREED.
Product: Mortgage

On Friday, XX/XX/XXXX, I received a letter from Freedom Mortgage that my mortgage was being transferred from XXXX to Freedom Mortgage. There were two letters that I received from Freedom Mortgage, one was a welcome letter outlining who Freedom Mortgage is, as well as the principal, interest, escrow and any other fees or penalties that may accrue. The other letter was more detailed on when my next payment is due. The welcome letter looked suspicious because throughout the letter, key areas of information such as my name, date, address, and payment amounts were all in different font colors than the rest of the letter. 

I called Freedom Mortgage and spoke to two people ( one was a customer service representative, and the other was a supervisor ). I explained to them that I received these letters but I am not sure why because I have not received anything from XXXX indicating that my mortgage was being transferred. Apparently they have all of my information, including my social security number. I asked for someone to email me a copy of all the documents that they have pertaining to my mortgage to verify if it is legitimate. The representative said that it would take three business days to complete the order, which I was not pleased about ( three days to send an email???! ) They said that they could expedite the process so I can receive the documents sooner, which I said sure. 

Today is Friday, XX/XX/XXXX and I still have not received the documents that I requested to verify that Freedom Mortgage is ; one, a legitimate institution, and two, that this transfer of service is legitimate as well. Freedom Mortgage does not have any offices available, and even if you take the COVID-19 situation out of the equation, I would have to call and wait in queue in order to speak to someone about my issue, rather than going into a local branch and dealing with this situation, or any that may come up in the future. I am very concerned about this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I had a bankruptcy discharge and the account was included in the bankruptcy that have it as a charge off I ask them to remove it and they haven't and the company knew abt the bankruptcy
Product: Debt collection

I'm in the middle of purchasing a new home. 
The lender pulled my credit and identified a decrease of XXXX points due to a newly reported collection on XX/XX/23 : Original Creditor XXXX XXXX XXXX XXXX XXXX : Resurgent/LVNV Funding ( XXXX ) XXXX After speaking to the collection agency, I called XXXX XXXX and they confirmed that they never reported my information to the collection agency. 

The collection agency is no longer responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX/XXXX/2022 ; XXXX  XXXX XXXX/XXXX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX/XXXX/2022 ; XXXX XX/XX//2022 ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : 12 XXXX XXXX XXXX  ) XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount owed on this account does not belong on my credit report. I have ent three letters showing proof of incorrect address. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX  XXXX )