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

I've already spoken to TransUnion as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. 

My FTC case numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Here 's the list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.
Product: Credit card or prepaid card

Hello CFPB and thank you for the assistance. Randolph Brooks Federal Credit Union or RBFCU has done a poor job managing my card, and an even poorer job responding to my requests for help. I had XXXX credit card with RBFCU, and because I didnt use it at XXXX point for quite some time, they understandably closed it. I had no problem with this, and when my card was used again, they reopened the account which was fine too. What my issue is, is that this happened about XXXX more times ( and deactivation occurring XXXX times as quickly as any other account Ive ever had, for no usage ). Each time, they reported this closure as a new account closure to the credit bureaus. It now appears that I have XXXX closed accounts, which I believe is adversely affecting my credit score. I asked for help and they told me to contact the credit bureaus, and the credit bureaus told me to contact RBFCU.
Product: Debt collection

I was co signer at XXXXXXXX XXXX XXXX XXXX  for 1st year and my name was removed for 2nd year, after that my friend vacant the apartment and all dues was paid, I am attaching receipt with this, still they have report for collection.
Product: Credit reporting or other personal consumer reports

My problem is with two entities ; XXXX XXXX  and XXXX XXXX. Because I am disputing an outragous dental bill from XXXX XXXX in XXXX, California, these two entities chose to ignore/wave off/be indifferent to the dispute, even though I specifically mentioned the dispute. I am a senior citizen with limited funds, and although these entities are undoubtedly simply following their procedures, I refuse to be pushed around by them. So yes, sorry I'm making a big deal out of it, but I've been pushed around by financial entities before, and this late in life, I'VE HAD IT! 
Because it took so long for XXXX XXXX to adjust their previously invalid bill, and because yes, I refused to make a payment on a bill with no validity, XXXX XXXX and XXXX XXXX  have imposed punitive measures accusing me of " late payment '', measures designed to punish me, and destroyed my previous good credit by dropping my credit score by almost XXXX points. This has SEVERE ramifications for me and neither of these wealthy companies could care less! 
They're all so disgustingly pleasant on the phone, masking their true intentions, and intent on punishing me because I won't roll over and accept their lofty superiority in these matters. This experience has been a miserable burden!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax 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 of 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

This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following trade-line item is because [ Reason ] : 15 US Code 1666b - Timing of payments and 15 U.S. Code 1681b ( 2 ). 

[ Account Name ] XXXX  [ Account Number ] XXXX The Inaccurate account that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Should you fail to make the requested deletion, I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I frequently work with the Credit Agencies to freeze and unfreeze my accounts to protect my security. I just unfroze my account with all three agencies ( Experian, XXXX  and XXXX  ). It was relatively easy to unfreeze my accounts with these three agencies. To refreeze my accounts I am having a lot of trouble with Experian. There is no way to get to a live agent and they want extra information to be mailed to them to freeze my account. It seems the only way to get better service from them is to upgrade my account and pay them money to do so. 

Can you please do something to make this process of freezing and unfreezing a persons account simpler? I believe that Experian is intentionally making it difficult for non-paying individuals, and this must be corrected. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.
Product: Credit reporting or other personal consumer reports

Affirm was responded to regarding what they requested in regards to me calling them to verify my identity on, XXXX XXXX at XXXX. The representative has advised an escalation to their team for investigation of the charge off accounts will be reviewed with the conversation on this day and the CFPB complaint submitted on, XX/XX/year> will be attached to the escalation. I requested that it be notated to the account that Affirm has not done their due diligence in over 6 months when properly accessing and investigating this account. Affirm alleges they loaned me money and that is a lie. As indicated I provided the equity in the transaction when I signed the promissory note, Affirm has no superior claim as they provided no equity in this transaction. Affirm Has yet to provide a copy of the 1099c ( copyB ) that they must provide to the IRS for proper and accurate book-keeping for accounting purposes and their compliance with the Securities Exchange Commission XXXX which would be provided to myself as proof that this loan has been charged off and used to be reported as income. All information that Affirm has alleged is false, even if the 1099c was to be provided to myself it is still false as indicated there was never any loan. I provided the equity therefore I have superior claim. Proper investigation is to be conducted for the lies alleged by Affirm and correct reporting to the credit file and any errors shall be fixed according to 15 U.S.Code 1692. Affirm is in violation of inaccurate reporting of accounts to the consumer credit file and Securities Fraud within the Securities Exchange Commission. I am also requesting all Federal Reserve Notes that I provided to Affirm are returned to myself for Affirm false and misleading and fraudulent activity. It is of truth that Affirm has never loaned me any money. Affirm/ Bank does not loan money. Affirm has fabricated and created a false loan receiving assets from the Promissory note, then creating a false reality that I owed them.
Product: Debt collection

XXXX XXXX XXXX XXXX, SC has place a collections account with XXXX XXXX for collections for the amount of {$280.00} from XX/XX/XXXX. XXXX placed this on my credit XX/XX/XXXX. They never notified me. It just showed up on my credit. When I called them the customer service person was rude and did not want to hear what I had to say. This account was closed at the XXXX XXXX store in XX/XX/XXXX when I returned the equipment. I was told I hade no balance due once the equiptment was turned in. I have not heard from XXXX since yet CBE claims they were given the account for collection of {$280.00}. I want this entry off of my XXXX account. If XXXX checks with the XXXX XXXX office they should see that I returned the equiptment in XXXX XXXX. I do not want to hear from the CBE Group and since I did not do business with them they have know right placing an entry on my credit.
Product: Credit reporting or other personal consumer reports

I have tried on multiple occasions to get my name changed within their system to my new legal name, so I put my old name in this. I have been trying to get the name changed or the account deleted completely from Experian for a while now They refuse to help me and keep saying I need to mail copies of all name change information. I want the account deleted.
Product: Credit card or prepaid card

An unsolicited .S. Bank Visa " XXXX '' for unemployment benefits from the state of Ohio was sent to me in my name. The card was received on Friday, XX/XX/2020. Upon receiving the card I tried to contact U.S. Bank numerous times by phone and online and could not reach any one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I was notified that I had a non paid debt of {$67.00} reported to the credit bureau by A R Resources XX/XX/XXXX. I immediately called them because I knew I didn't have any late payment and I have ( HAD ) a perfect credit score. Apparently the debt is owed by a person with the same name who lives on XXXX XXXX. I see that this company has had over 600 complaints since XXXX and XXXX with the XXXX XXXX XXXX. This is so upsetting and time consuming. Then, I am left to fight this with all of the credit bureaus. Thank you for any help you can give me.
Product: Mortgage

This is actually an addendum to my complaint XXXX. Despite XXXX telling you they're still investigating my complaint, they have sent me TWO letters - one on XX/XX/XXXX and another on XX/XX/XXXX denying they ever received Housing Assistance Fund money to pay off my debt. 

HOW IS THIS POSSIBLE, WHEN I HAVE A WIRE TRANSFER NUMBER I GOT DIRECTLY FROM THE PA HOUSING FINANCE AGENCY? The {$8100.00} I owed was paid off in XXXX!! 

Attached is my response to their 2 letters, and screenshots showing my correspondence on XXXX with the PA Housing Finance Agency, who have experienced nothing but problems from Dovenmuehle from the beginning of when I applied for a HAF grant ( XXXX 2023 ). 

NO ONE SHOULD EVER GET A MORTGAGE FROM DOVENMUEHLE.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

Midland funding and XXXX XXXX I have dispute this information multiple times with Midland and XXXX, this account is in collections and I paid Midland funding and they said they will do a pay to delete, I have also sent the XXXX the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.
Product: Debt collection

Fein Such Kahn & Shepard PC debt collectors have violated the Fair Debt Collection Practices Act by not obeying a court order. In XXXX  2022 they sued me to collect on a debt I do not agree that I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They filed motions to both garnish my wages, and also levy my bank account and my husband 's bank account. My husband 's bank account was not connected to mine, with no comingled funds and he was not named on the suit. Still, the froze every dollar to both of our names, leaving us with not a penny to take care of our XXXX XXXX. I immediately contacted them to resolve this, and they refused. We met before the judge, who ordered them to return all of our money and ultimately ruled in their favor on the debt and allowed them to garnish my wages. Now, XXXX years later they have done the exact same thing again even though they already currently have a wage garnishment order on file. They again have filed motions to both garnish my wages, and have levied both my bank account and my husband 's bank account. These are the same accounts they were ordered to return our money to when they illegally took money from my husband 's unconnected personal account, and my account. They also can not garnish my wages more than once. Again, I have been reaching out daily with no response. At this point, their illegal practices are harassment.
Product: Credit reporting or other personal consumer reports

I am contacting you once more about the fraudulent items that still appear on my credit report despite my multiple attempts to get them removed. This is now my eighth attempt to resolve this issue with your organization, and I am very disappointed with the lack of progress. Despite submitting disputes and supporting documentation on XX/XX/year>, the items remain unresolved, which is damaging my credit history and causing me significant stress. I am hoping that this time my request will be given the proper attention. I kindly ask for a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I would like transparency regarding the steps taken during the investigation and an explanation for the repeated failure to address this issue. The items that need to be removed are as follows : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I am committed to resolving this matter amicably and trust that the credit bureaus are equally committed to maintaining accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX NEW MEXIC ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX ( Original Creditor : NEW MEXICO XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple dispute letters to Equifax but I got no results. Last XX/XX/2022 they sent me a letter asking to provide my full SSN, I have provided the last 4 digit of it but they are now asking for a copy of my Social Security Card. They are not taking action with regards to my dispute letters instead they are delaying the process and does not do anything. I am attaching my Proof of Address here because they are asking for it but I wont provide my full SSN because they already have my ID and all of the information they need to verify that it is me.
Product: Mortgage

Wells Fargo paid {$6800.00} on XX/XX/2016 in County Tax from my Escrow account. However my county tax is only {$530.00}. I soon realized the mistake by Wells Fargo and found that Wells Fargo had paid the tax for wrong property address from my Escrow account. I got the Wells Fargo to pay the {$530.00} for my property. I also requested the refund of {$6800.00} which was wrongly paid. However I still have n't got the refund. It 's been 8 weeks of calling to Wells Fargo and all I get to hear is that our Tax department is working on it.
Product: Credit reporting or other personal consumer reports

It is showing a address that I am not associated with on my credit reports. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never been associated with this address. I would like it deleted from my credit reports as soon as possible.

Section 611 : Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) This section allows you to dispute any inaccurate, incomplete, or unverifiable information on your credit report. When you file a dispute, the credit bureaus are legally required to investigate the disputed information, usually within 30 days, and correct any inaccuracies.

If the information provider ( e.g., a lender or creditor ) can not verify the accuracy of the disputed information, the credit bureau must remove or correct it.
Product: Debt collection

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. I am quite miffed that you have included the following information on my credit report : XXXX XXXX XXXX XXXX XXXX  Please delete this fraudulent account on my credit file immediately.
Product: Student loan

From XXXX through XXXX I have had multiple late fees charged to my account. During that time I was informed ( via phone conversation ) I could schedule automatic payments regardless of the due date, and was informed that it would not affect my account. Within the past 6 months I have requested a copy of my phone records and was denied them ; Navient indicating that they do not provide those. I was attempting to find out who I spoke to regarding the automatic payments. Through the life of my loans I have had nothing but misleading information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.