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

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy.

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX  XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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

Capital one added on {$190.00} dollars to my balance and has raised my payment from XXXX to XXXX with no explanation at all they have received my payments. They refused to set me up an online account so I can have digital copy 's in order to extort an extra XXXX a month in unjustifiable fee 's. Their intention is to get me to default on my loan which makes no sense.
Product: Mortgage

My Account is with Wells Fargo Home Mortgage and they refuse to accept my payments after the forbearance. I initially accepted the forbearance due to COVID, and verbally spoke to them in XX/XX/2020, they advised me to make an XX/XX/XXXX payment which I did and now they are holding the payment is an " Unapplied account ''. I have called back numerous times and they refuse to take me off of forbearance, refuse to accept payment and have assigned me a case worker. A case worker on the XXXX XXXX. I live on the XXXX XXXX so now I must acquiesce to their time zone!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent validation of debt requests to all three major credit bureaus. As of today, XX/XX/XXXX, I have not received any response or documentation regarding these requests. 

This lack of response is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate and verify the accuracy of disputed items within a reasonable timeframe. Given their failure to provide validation, I request that all disputed items be removed from my credit reports immediately. I had also required all information and responses be mailed to my address at XXXXXXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Last XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 
Best Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

We Started this loan with XXXX XXXX, which was bought out by Springleaf, Then bought by One Main Finance. We were set up on automatic bank draft on a monthly basis withh all three companies. Due to the exorbitant interest rate, we asked that One Main start drafting {$600.00} per month, rather than the minimum payment. This was done without a problem until I received a letter stating I was past due and owed late charges. In XXXX, we received a letter stating that they would continue drafting the {$600.00} per month, but now they state we are late, and owe fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXXXXXXXX, XXXXXXXXXXX, and XXXXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing AMERICAN EXPRESS communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires AMERICAN EXPRESS to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. AMERICAN EXPRESS provided none of the above. AMERICAN EXPRESS continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. AMERICAN EXPRESS has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process. I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account numbers XXXXXXXXX, XXXXXXXXX, and XXXXXXXXXX. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS again sent me printed copies of statements. The above illegalities were committed via USPS mail.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023 I certified mailed with return receipt, 3 disputes to 3 credit reporting agencies. I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies. 
I was never notified via mail or email that my disputes were seen or heard. 
This carelessness in reporting has ruined my credit score and reputation. 
one of the accounts they have in " collections '' is open and I am actively paying on!!!! 

Please help me uphold these companies to the standards they have set!! 
I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX
Product: Credit reporting

My mortgage broker is unable to see my Equifax report. I called Equifax and they told me I have a fraud alert. I never had a fraud alert on my report and as of a couple weeks ago there was none on my report and I asked for none to be put on my report. They told me they would take it off. My broker still can not see my credit report, yet can see all of the others. I believe that Equifax is punishing consumers for disputing items on their credit reports by blocking their files from being accessed. Again, there is NO fraud alert on my credit report, I can see that on XXXX/XXXX/15 there is no fraud alert listed. But yet that is what Equifax claims. I have seen online others complain of this same issue with Equifax though I can tell the the Equifax and the bureaus have been able to employ and suppress negative information regarding their anti consumer bad deeds otherwise the first XXXX pages of a google search would be filled with more problems. I want Equifax to be investigated for these type of retaliatory activities. And I want my Mortgage Broker to be able to see my credit, it should be that hard as I only have XXXX name and XXXX address and XXXX social security number!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am submitting to follow up on the previous complaint I submitted to your attention on XX/XX/year>, regarding certain accounts and inaccurate personal information on my credit report. It has been 31 days since I sent the original dispute letter, and I have not yet received any communication or updates regarding the resolution of the dispute. I understand that the investigation process can take time, but I am eager to know the current status and any progress made in resolving the issues outlined in my previous communication. The following accounts need to be removed or deleted from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have had a reoccurring issue with Navient. Started about a year ago when I suddenly started receiving a bill. I called to check on the bill and was told the bill did not need to be paid because my co-signer was filing for bankruptcy. When asked why I had not received notification of what was going on, I was told by law they did n't have to reveal anything. This all happened while the loan was building interest. I started to pay my bill and got the inflated bill caught up. Around XXXX 2015, no bill came. This continued for about 3 months. I finally was able to log into my account and found out my bill was 3 months past due. I called Navient on XXXX XXXX, 2015 to discuss the issue. They validated my mailing address and phone number. When asked why bills stops, they stated the bills were always coming and the issue was with the Postal service. When further asked why I had not received phone calls regarding late billing, the response was that the phone number was not validated. My current address has not changed in almost 5 years and current phone number has not changed in over XXXX. I spoke with a regular employee and manager. I was badged by the manager who stated, " you know when the bill comes, just pay it. '' When continuously stating that I have not received anything regarding a bill by phone nor mail, the issue was never with the company. I asked if there was a way to correct the issue and get the late fees and penalties removed and was told no. Since this conversation, I have checked with the Postal service. Their statement was, " why would delivery every piece of mail except XXXX? '' The employee is willing to write me a formal letter stating that they have delivered all mail. Also since my conversation with Navient, I now am receiving my bill that had quit coming for 3 months.
Product: Credit reporting or other personal consumer reports

I check transunion credit report and noticed 2 fraudulent/unauthorized inquires one from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX I check XXXX credit report and noticed 28 fraudulent/unauthorized inquires from XXXX I didnt authorize none of the inquiries on my report I check XXXX credit report and noticed 5 fraudulent/unauthorized inquires one from XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).
Product: Money transfer, virtual currency, or money service

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2020 PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam Please see the above referenced complaint - We never received any communication from BOFA- this issue still is NOT resolved and there is XXXX outstanding in addition to our attorneys fees of over XXXX. The complaint was closed and theres no conclusion
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian customer service rep had me disconnect and connect my XXXX and it screwed up my whole account. I have have emails admit it's there problem on there end but can't or won't fix it it dropped my score and won't put it back and it wiped out a years payment history because the company changed its name from XXXX to XXXX and a lot more I emailed all evidence to experian and they are aware of a paid in full on a closed account and won't change it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with AR Recovery Solutions regarding the inaccuracy of the entry they are reflecting on my credit report (See attached letters).  AR Recovery has yet to respond to my letters; however, my certified receipt tracking verifies that they were indeed in receipt of my disputes.  In XXXX  2019 and as recent as XXXX 2019, I have requested that they provide validation on the alleged debt entry that are blatantly reporting on my credit report and violating my consumer rights.  To date, AR Recovery has not provided an agreement that reflects their authority to collect on this alleged debt, they have not ever sent a dunning letter to me notifying me that they were attempting to collect a debt; further violating my consumer rights as I have the right to dispute the validity of any entry on my report.  They have not provided me with the alleged account number, the original delinquency date, agreement with signature of the alleged debtor, verification that this debt was assigned or sold to collector, nor have they provided the complete accounting of the alleged debt.  

Again, this is my second request to them after disputing this entry with the credit bureau.  AR Recovery is negligent in their reporting as well as in ensuring they follow consumer law.  To that end, since this company has had over 120 days to respond to my previous requests and have yet to so, this entry should be DELETED IMMEDIATELY FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

Using Zelle I had sent money to a random person without needing verification of the other user. Ended up being someone with the same name as the person I was sending the money too
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

XXXX trucks repossessed after working with them on setlling on date agreed. I agreed to pay amount Paid {$2500.00} and they said it 's not current. Asked to pay additional {$370.00} with no details on fees tagged on. 
Actions taken. Called to request detail additional charges and advised I would pay to bring current to get trucks back. Plus I had received numerous personal harrasing text from the Company
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX