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

Dear CFPB, I am writing to file a formal complaint against the major credit bureaus for their repeated failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), as well as other applicable consumer protection laws, in response to my ongoing credit disputes. 

Since XX/XX/2024, I have sent several disputes concerning inaccurate and incomplete information on my credit reports, including letters providing supporting documentation and specific details about the errors. Despite my efforts, the credit bureaus have failed to provide adequate responses, conduct a reasonable investigation, or provide the results of their investigations within the 30-day timeframe mandated under FCRA Section 611 ( 1681i ).

Additionally, they have not provided me with the procedure they used for their investigations, a violation of 1681i ( a ) ( 7 ). To date, it has been over 9 months, and the accounts below continue to report multiple inaccuracies, including : Invalid dates and inconsistent payment histories after the accounts were allegedly charged-off or placed in collection status.

Questionable balances and incomplete information despite my repeated requests for validation.

These inaccuracies not only violate the FCRA, but they also raise questions about whether the credit bureaus have fulfilled their duty to ensure the accuracy and integrity of the information they report, as required under 1681e ( b ).

Moreover, I have contacted each creditor or collection agency individually to validate and verify the debts under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and related provisions, such as 12 CFR 1006.34 ( Regulation F ). Each of these entities has either failed to respond or claimed they can not locate information tied to my name and the personal information provided. 

Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charge-off Each of these accounts contains errors that remain unresolved despite my numerous disputes. By failing to address these issues, the credit bureaus have caused significant harm to my creditworthiness, financial health, and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost importance regarding my TransUnion credit report. It has recently come to my attention that there are several fraudulent hard inquiries listed on my report, specifically dated on various occasions between XX/XX/XXXX, and XX/XX/XXXX. I am deeply concerned about the potential implications these inquiries may have on my creditworthiness and overall financial well-being. 

I would like to assert that I have never had any dealings or business relationships with the following entities, which are listed as the sources of these fraudulent hard inquiries on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Auto Financing XXXX - Auto Financing XXXX XXXX - Auto Loans XXXX XXXX - Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Auto Financing XXXX XXXX XXXX - Auto Financing XXXX XXXX - Bank Credit Cards I find it deeply concerning that these hard inquiries were made without my knowledge or consent, as they have the potential to harm my credit score and financial reputation. Furthermore, I have diligently monitored my credit activities and statements, and I assure you that I have never initiated or authorized any transactions with these companies or individuals. It is evident that these inquiries are a result of fraudulent activities targeting my credit profile. 

I kindly request the immediate deletion of these fraudulent hard inquiries from my TransUnion credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or fraudulent information on my credit report and have it promptly investigated and rectified. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers have the right to request the removal of inaccurate or unauthorized information from their credit reports. 

I kindly request that you initiate an immediate investigation into these fraudulent hard inquiries and take the necessary steps to delete them from my TransUnion credit report. Furthermore, I urge you to extend the investigation to ascertain the origin and motive behind these unauthorized inquiries, as it is essential to identify and hold accountable the individuals responsible for this fraudulent activity. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please inform me in writing of the actions taken and any updates regarding the progress of the investigation. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumers ' rights and ensuring the accuracy and integrity of credit reports. 

Thank you for your cooperation and assistance in rectifying this matter. Should you require any additional information or documentation, please do not hesitate to contact me at the provided email address or phone number. 

Yours sincerely, XXXX XXXX
Product: Student loan

I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX  which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.
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 : Unknown Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXXcount Name : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureaus there is an account listed from XXXX XXXX Icon original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called XXXX XXXX an was told this was for a XXXX XXXX. I never purchased a XXXX XXXX  nor received one. I was told they would dispute this the merchant. However it is still showing on all 3 credit reports. I called XXXX XXXX who then called XXXX XXXX they said they were unable to find the account. I am a victim of identy theft from XXXX
Product: Checking or savings account

They are closing my pnc account due to unauthorized access to my account
Product: Debt collection

The problem is that US Bank, subsidiary of US Bancorp has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, US Bank has recorded a late payment in 2020 although there has been no activity on that account in years.
Product: Mortgage

I paid a mortgage off in full on XX/XX/2021. 
Address : XXXX XXXX XXXX XXXX # XXXX To date, XX/XX/2021, the mortgage servicing company has not filed the cancellation of Security deeds. ( SHELLPOINT MORTGAGE SERVICING ) This means that I do not have clear title to the property. 

I am trying to sell this property and have an all cash buyer. 
The closing date was scheduled for XX/XX/2021. 

However, I have been unable to close on the property because the mortgage servicing company will not file the cancellation of security deeds I have tried on numerous occasions to contact the company. 

The mortgage servicing company, SHELLPOINT MORTGAGE SERVICING COMPANY, has been non responsive to emails and telephone calls from me, as well as emails and telephone calls from the closing attorney who is handling the sale of my property,,
Product: Credit reporting

Apartment Complex termination of lease. I had to move out due to a job offer in a different state. I have a signed Lease Contract Addendum stating that I will not get charge early termination fees or other fees and that I agree to pay {$2100.00} at a set payment. However, the apartment complex charged me early termination fees and other fees that apply and now I have a bill for {$6600.00} dollars which was sent to a collection agency back in 2009. I 've been trying to get the collection company to call me so they can correct the amount trying to be collected, I have called the apartment complex and they said they no longer work with that collection company and that the manager that was working there at the time is no longer there. They pulled the account and they said I was getting charged fees for early termination and others, however it is no longer their account and I need to deal with the collection company. They are hurting my credit report and I can not buy a house because I can not settle the account with the proper amount and start payments. 

They are reporting {$6600.00} Correct amount {$2100.00} I have a document stating that with signatures.
Product: Credit card

On XX/XX/XXXX, I was a victim of credit card fraud after letting someone use my phone to make a call. This person approached me as I was leaving class, and expressed the need to call his father. I let him use my phone, but he insisted on holding my phone and walked away with my phone. He did not let me see what he was doing on my phone, though I could hear he was on a call. When he returned my phone, he fled from the scene in an unknown direction. I noticed immediately that my Bank of America and XXXX apps were compromised ; they were no longer appearing on my phone. I checked the call log and text log, and all numbers used by this stranger were deleted. When I downloaded Bank of America and XXXX again, I noticed that this person sent an amount of {$4900.00} to a XXXX account under the XXXX XXXX XXXX ( @ XXXX on XXXX, transaction ID : XXXX ) using the credit card I had saved on file. Immediately, I reported this transaction as fraudulent and was issued a new credit card. I also submitted a report to XXXX, reporting his account and the transaction. A month later, this claim was denied by Bank of America as they found that this transaction is " consistent '' with other transactions made through XXXX. This is false, as I have not sent anyone an amount over {$100.00} from XX/XX/XXXX to XXXX. In the years prior to that, I have not sent anyone an amount over {$200.00}. Additionally, this transaction caused my credit card to be overdrafted, something that has never happened to me in my history with Bank of America. I received the bank 's decision on XX/XX/XXXX ; my claim was denied. I immediately filed for reconsideration and submitted my XXXX history as well as a written statement detailing what happened. I requested that this reconsideration be escalated, as the over draft amount on my credit card was significant. I was timely with these matters, submitting my documents and calling customer service several times before the end of the week. On XX/XX/XXXX, I received a notice through the Bank of America app that they completed their research ; I did not receive an email detailing the findings of their research, prompting me to call customer service again. Upon calling, I was notified that the final decision was the same, for the same reason ; according to their research, this transaction is " consistent '' with my previous transactions through XXXX. I can not stress enough that I have never made a transaction this large, through XXXX or any other vendor, and have never made a transaction so large that it causes my credit card to be overdrafted. I watch my credit card transactions meticulously ; my history and credit score support this. My history with XXXX also supports my claim that this transaction is not consistent. I was not involved in this transaction whatsoever ; this person accessed my XXXX account without my authorization, sent over a large amount of money to the account mentioned above, and scrubbed my phone of the numbers he contacted. He hid the fact this transaction occurred by deleting my Bank of America app and XXXX app before returning my phone and fleeing.
Product: Vehicle loan or lease

I opened with Santander consumer USA on XX/XX/2013 it was 60-month loan at a very high rate and as time went along I was making monthly payments of XXXX and at times I may have fallen behind and the late fees were insane avg XXXX a month and having to pay the charges I was never able to get caught up I don't know how to get a record of how much I paid but just in the 60 months besides the monthly payments of XXXX x 60 equals XXXX and I would say another XXXX in overcharges now at the end they said I had a balance of XXXX approx and made me finance again for a 24 months because all the late charges and penalties I never got credit to the principal I just feel have been taken advantage of so for a XXXX approx loan I which I already paid XXXX now they want XXXX more with interest that XXXX dollars and I know im getting ripped off I wish I knew how to get a records of exactly how much I paid every time I called to complain I would get some slick willy giving me some crazy equation to justify why I hadto pay some crazy late charge I need your help hopefully erase what they say i owe bec ause I way over paid and show on my credit as paid off and not late only reason showed late because I was just paying late fees now its harming my credit and its not fair to always say they are gon na repo
Product: Mortgage

In XX/XX/XXXX we obtained a 2nd mortgage with XXXX XXXX XXXX when we purchased our home. Several years later this mortgage was sold to XXXX. In XX/XX/XXXX we filed for Chapter XXXX   bankruptcy. We stopped paying on this 2nd shortly after and never received any further notification from XXXX. This no longer shows on our credit report.

In XX/XX/XXXX we decided to refinance our 1st mortgage. This was dragging out a bit, and in XX/XX/XXXX we were told we would have to clear the 2nd mortgage that showed up on our Title Report. We were shocked by this and tried to find XXXX, but they no longer existed. One small piece of paper that I found somehow linked XXXX to XXXX XXXX , who currently holds our 1st. I contacted XXXX, who told me on XX/XX/XXXX that this loan had been sold to SLS and they gave me a contact number. I contacted SLS on XX/XX/XXXX by phone and spoke with a representative who told me this loan had been archived in their system, but if I faxed my request for information, along with a copy of the title report they would work with me on how I could remove this lien. She said to expect it to take a few days for this to be done.

Later the same day, I faxed my request, along with a copy of the title report, to SLS. A week and two days later ( XX/XX/XXXX ), I called again and talked to a XXXX who said nothing had been done on it and she couldn't see a request. It was still archived. She suggested that I re-send my request and that I should hear back within 5 days. I re-faxed and also emailed my request on XX/XX/XXXX. I got a read-receipt from my email.

In the meantime, I'm having to communicate all of this with our potential new mortgage company.

On XX/XX/XXXX, I still had heard nothing, so I called again and talked to both a XXXX  and a XXXX, who were both appalled that nothing had been done. They said they emailed the proper department and that I should receive a phone call from someone later that day. They both implied that I should have received a response within 5 days.

Today is XX/XX/XXXX, we still have heard NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXX XXXX XXXX {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX  {$52.00} last reported XX/XX/22. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a payment plan with the company in XX/XX/2020 during covid, l have the agreement and they still reported it as late payment
Product: Credit card

I have XXXX issues with American Express. In XXXX of XXXX I checked my credit report and found an inquiry from American Express for a credit card on XX/XX/XXXX. I contacted American Express on XX/XX/XXXX and told them that I did not open this credit card. Someone else had used my information to open this card. They assured me the card was closed and not mailed to the mailing address for the card. I than got a letter from American Express on XX/XX/XXXX with a Membership Number XXXX and Amex Reference Number XXXX about the fraud. I than mailed a letter to American Express asking for further information on XX/XX/XXXX. I am still waiting for this information. 
On XX/XX/XXXX I received an email from American Express stating that they have finished reviewing my application for a Hilton Honors American Express XXXX XXXX. I than contacted American Express that day and told them that I did not open this card. They did tell me that my date of birth, my name and my email address was used for this application. However, a different Social Security Number, mailing address was used for this application as well. They did assure me again that the application would be canceled and no card will be mailed to the address on file. I asked for further information and they said that I need to mail them a request for this information. I am in the process of sending another package to them to find out more information from them on who this person is. This is just crazy. I've attached supporting documents. I have put fraud alerts and froze all three credit reporting accounts. Please help!
Product: Money transfer, virtual currency, or money service

I have an account with RobinHood, account : XXXX ( XXXX ) Account number :. I wired transferred into Robinhood {$7000.00} on XX/XX/year> from my XXXX  XXXX XXXX account. The account was frozen in Robinhood die to " suspicious activity '' Don't know what that meant as I was buying crypto. I spent many days trying to get a phone call back from Robinhood to explain and remove the suspension from my account. I can not get an answer back and several days ago I received a notice my account was closed and they would advise when it as complete. I requested information on when my money would be transferred back to my XXXX  XXXX XXXX account. I do not receive a response back from any attempt and only a chatbot. I uploaded all documents they requested to include photo IDs, bank statements, wire transfer information, Statements with my address and last XXXX of my account. I still get no response back. Help I need my money back its been sitting in limbo for XXXX weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 15 U.S.C 1681 section 602 A .States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Original creditor XXXX XXXX Balance {$1600.00} Balance update XX/XX/year> 2024
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

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. 
The FCRA