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

This is the several times I've complained about being a victim of identity theft. You must remove any account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX may not disclose nonpublic personal information to a nonaffiliated third parties. XXXX has provided XXXX, XXXX, and Experian with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. XXXX has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. XXXX has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act American Honda Finance has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!
Product: Debt collection

I have XXXX derogatory collection accounts on my XXXX and XXXX credit reports from a place called CMRE Financial Services. I have tried repeatedly to try and have these removed because I do n't even know what they are but have failed in every effort. In trying to have these collections removed this company continues to change the dates on my credit report so that these collections are never removed. I have tried everything to have these collections removed from my reports and to have the people from this company leave me alone. They just keep harassing me by phone and I 've told them repeatedly that I do n't even know what these accounts are.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019 XXXX XXXX called my phone 5 times in less than 1 minute. 
1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX Then they start calling my husband phone. 
Before that day the calls was not as frequent, but sometimes XXXX times a day. 
The lady stated they sent out a letter without a letterhead, and as I explained to her who opens mail without a letterhead. She stated that's so no one would know I was in collections. I stated the XXXX   sends out mailing all the time with letterheads that's why I called the Department of Treasury to confirm it was true. That is a bad practice if you are truly collecting on a debt that was 90 days past due from XXXX send proper documentations. Not only are you put in collections, but the amount is {$6000.00} more than I owe. They said the Department of Treasury said they can charge me 30 % of my balance owed. So not only are you charging me {$6000.00} more than my balance, but when I call to discuss this matter with you the company can not tell me where the extra {$500.00} is because there 30 % fee is the {$6.00}, XXXX I make {$600.00} ( {$180.00} more than the original amount ) a month payments to pay.gov not the collection agency but I'm still being charged {$6.00}, XXXX ( collection agency fee ) for XXXX disaster loan. You want to pay your debt owed not 30 % of what you borrowed. You can't get loans because XXXX and Department of Treasury have put it in the credit bureau as collections. So now debt to credit ratio to high to borrow the money to pay them off. I just pray and move on but the constant phone calls have to STOP!, Because I'm making payments monthly.
Product: Money transfer, virtual currency, or money service

Send money to the wrong person! And cant receive it back! It need layers to make sure you didnt send the money to the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Describes no payment done on XXXX and late on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative item on my Fica XXXX  Report. The Account is with New Res - Shellpoint MTG Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was Green Tree Serving it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy Court Case No XXXX. XXXX XXXX It is ordered that has been fully administrated. Chapter XXXX discharge. 
Dated XX/XX/2011. Shellpoint MTG can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter ( please see below ) to XXXX to investigate this matter and verify the accounts listed below. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  Inquiry XX/XX/XXXX Unverified Account XXXX XXXX XXXX Inquiry XX/XX/XXXX Unverified Account XXXX XXXX Inquiry Unverified Account XXXX XXXXXXXX Unverified Account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts listed above have violated my credit rights.

I looked at my credit report on June 2, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 USC 1681b ( 2 ) states that any negative items that a company reports without my written consent is considered identity theft.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given authorization and/or permission to access my credit profile. Furthermore, you have no permissible purpose by law to contact third parties with my private or personal information. Said violation ( s ) amounts to Aggravated Identity Theft pursuant to Title 18 USC Section 1028A, as you have knowingly transferred, possessed, and/or used, without lawful authority, a means of identifying me, which is a felony punishable by law up to two ( 2 ) years imprisonment, in addition to civil liability. 

By obtaining my XXXX Consumer Credit Report on XX/XX/XXXXXXXX  and XX/XX/XXXX, respectively, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ), codified at Title 15 USC Section 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. Furthermore, I do not have an account, as defined under Title 15 USC Section 1693a ( 2 ) with XXXX of XXXX for review or collection.
Product: Mortgage

In XXXX I applied for the pandemic forbearance program with USAA and XXXX XXXX, d ue to the Covid-19 shutdowns. In XXXX I started the loan modification process, and provided USAA and XXXX all of the requested documents at that time. 
Since XXXX I have received numerous requests for additional documentation. The majority of these requests have been for the same documents within days of each other. For example I received request for my business P & L statements on multiple occasions within a day sending the document. At one point I had submitted the detailed P & L statement 4 times in 6 days. As well as a complete detailed payroll report from my payroll provider. On multiple occasions I have requested status updates, and inquired as to how I may supply USAA with any additional documents in order to facilitate the modification process. I received little or no communication other than additional requests for the documents I had just submitted the day prior. I have also received at least 3 notifications for them stating that all the documents were received and the application was under review, only to then receive additional requests for the documents already submitted. It is my belief that USAA and XXXX are trying to intentionally delay the modification so as to reach the expiration date of the forbearance in order to force a lump sum payment or foreclosure on my home. I also believe that this intentional act is a scam perpetrated by USAA and XXXX in order to foreclose the property in order to sell it at a profit as it has increased in value dramatically since purchasing the home. If this is the case I am concerned that in markets where housing prices are increasing dramatically, and a shortage of available homes exists, That USAA and XXXX are doing this to many more veterans than just me.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXX to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XX/XX/year>XXXX XXXX XXXXXX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in a consumer 's file. In this case, the incorrect reporting of late payments on my account has persisted despite my previous disputes, violating this legal obligation. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, further contributing to the errors in my credit file. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity of accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has caused unjustified damage to my creditworthiness, violating these protections. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for issuing timely statements to avoid unfair penalties to consumers. The errors in my account 's late payment reporting show that this obligation was not met.

Pattern of Inaccuracies No account details were reported for XXXX, but this omission itself suggests that crucial information may not have been accurately submitted, leading to further discrepancies and confusion about my payment history. 
There are no late payments reported in XXXX, though the balance differs from TransUnion and should be corrected. These discrepancies across TransUnion, XXXX, and XXXX show a pattern of incorrect information regarding my payment history. The errors have negatively impacted my credit score despite my previous efforts to resolve the situation. 
I am formally requesting that these inaccuracies be corrected immediately, and that the late payment notation on my TransUnion report be removed. I also request that any balance discrepancies between the credit bureaus be investigated and corrected. 
If this issue is not resolved promptly, I reserve the right to pursue legal action and escalate my complaint with additional regulatory bodies to protect my consumer rights.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I made a payment over the phone for my auto loan on the day the payment was due and I was assured that the late payment would report as paid on time. The payment was never 30 days late and its been reporting as late since XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notice that I have an account in collections from Aldous and associates on behalf of XXXX XXXX XXXX XXXX. The open balance shows {$280.00} when it was actually {$230.00} owed. 
As of XXXX XXXX the balance has been completely paid but it is still showing a deliquent status in collections on my XXXX report
Product: Checking or savings account

I got an email that an account was opened for me on Bank of America. I do not have any BoA accounts nor have I ever opened one. I was able to get on the phone with BoA and close the account after verifying that is was not a phishing email. There was indeed an account opened under my name but there was no activity on the account and I was able to close it within 4 hours.
Product: Credit reporting or other personal consumer reports

Per 15 USC 16c-2, my credit report includes unauthorized entries that I did not approve. Please remove these inquiries.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX card but had put a freeze on my credit due to Medicare being breached, was notified by XXXX on XX/XX/XXXX to call TransUnion, lift the freeze then call XXXX to process. Lifted freeze eff. XX/XX/XXXX thru XX/XX/XXXX, XXXX neglected to process the application and I was told to do it again on XX/XX/XXXX, called TransUnion, was asked security questions about ex husband???, been divorced XXXX XXXX XXXX I know nothing about him, would not lift freeze, said I failed security questions. XXXX is going on??
Product: Credit card

Fidelity Elan has been a persistent presence on my credit report for several years. I have lodged multiple complaints with the credit bureau regarding the fluctuating balances. This issue has been under dispute for an extended period of time. Despite my continuous reports to the bureau, I have been informed that either the account does not exist or that the balance displayed does not align with the ongoing dispute.
Product: Checking or savings account

I was always charged extra fees because when I made deposits it didn't register in time when they promised that it would and because of that when I make a withdrawal at the ATM I'll be charged fees for insufficient funds or when I try to pay a bill it'll be insufficient funds because of overcharging of fees
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?
Product: Credit reporting

I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' Also, I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' My name is " XXXX XXXX XXXX XXXX XXXX. '' Please eliminate these false names. 

Also, thee accounts with # XXXX XXXX with the Department of Education/XXXX are now discharged by the Department of Education and should read XXXX balance, paid in full. 

Similarly, the account with Department of Justice/Child Support, # XXXX, is closed, paid in full, and should no longer be reporting. 

Finally, the account with XXXX, # XXXX, has been discharged by the Department of Education and should read XXXX balance, paid in full. Please correct this. 

Please also report my spouse as " XXXX. '' Finally, the city of my former employer, the XXXX XXXX XXXX, is " XXXX, '' Virginia, not " XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX XXXX XXXX XXXX I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus XXXX XXXX XXXX and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference.Based on these violations, I request that you remove this account from my credit report. Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX