23daVinci/CFPB_Complaints huggingface dataset:
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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty. 
This is the company : Commonwealth Financial Systems , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect. 
Email : XXXXXXXXXXXX
Product: Debt collection

I've sent correspondences to the agency to VALIDATE the debt over 30 days ago XXXX and they have failed to do so. I also mention that correspondences have been filed in XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXX XXXX ] Nature of Dispute : [ Account is only reported to TransUnion and the account information is missing from XXXX and XXXX both ] I believe this information is inaccurate for the following reason : [ just that is not being reported by XXXX nor XXXX at all let 's me know that any information TransUnion is incorrect and needs to be deleted.

Legal Basis for Dispute Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You
are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy. 
15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by XXXX XXXX. XXXX ( b ). 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 
Request for Resolution I request that you : Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ). Delete or correct any inaccurate or unverifiable information. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information. 

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

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

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector companies XXXX XXXX XXXX, and the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Product: Mortgage

My husband and I own 50 % of a home located at XXXX XXXX XXXX XXXX XXXX wa. The other 50 % is owned by XXXX XXXX a neighbor /business partner. My husband unbeknownst to me or XXXX applied for a home equity line of credit with XXXX XXXX XXXX. The house appraised for {>= $1,000,000} On XX/XX/2021 I was emailed disclosures and a notary showed up for me to sign documents with my husband. I had no idea what I was signing and signed a document with a spouse joinder clause. I was advised to mail the notice to rescind which I did certified on XXXX XXXX cancelling the loan. I also called BECU XXXX XXXX on XX/XX/XXXX to let her know I was cancelling. She would not talk to me because I wasnt the borrower. 
XXXX XXXX was not given any disclosures or notice to rescind paperwork. 
I found out on XXXX XXXX after talking to XXXX XXXX that the loan closed on XXXX. She told me that they needed to receive the notice to rescind by XXXX and that they didnt have it by then. She also asked why I didnt call? I told her I did call but XXXX XXXX wouldnt talk to me. I also said that I was only responsible for sending the notice per there form and the truth and lending act. She said they ran it by compliance and can not cancel the loan. We have exchanged several emails and BECU is not going to cancel the loan. Apparently they did call my husband when they got my notice and they feel hes the only one that cancel the loan since hes the only borrower on the loan. We are going through a recent separation/divorce so Im not involved with any of his communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Always paid bills on time had a couple payments sent back wasnt notified of going to be reported not once brought account current with discover next day get notified I was reported score dropped 80pts I  sighned up for a payment plan and auto draft also still didnt help get late payment off credit report. Please help thank you
Product: Credit reporting or other personal consumer reports

on XX/XX/year> Barclays bank us got a copy of my XXXX credit report without my consent I was over seas as I was in military and also have extented fraud alert on my credit reports and no one called me to see if it was no please remove inquiry from XXXX report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Debt collection

This is the SECOND complaint I am filing as Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered  credit score. I disputed these two accou nts o n  XX/XX/XXXX  of  this year through  XXXX ,  XXXX  and  XXXX  to no avail.  Midland Funding has  appropriately closed one account  (   XXXX   ) , but still leaves  one  account (  XXXX  ) open without any sort of validation.  <P/> To date , Midland Funding has  continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I have  the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a paper stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  <P/>  Midland Funding stated in their response that they have verified that the items listed are accurate but has failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said you did. Midland Funding 's failure to delet e the disputed accounts that you cant verify after  two written requests is also evidence of your willful disregard of Federal Law.   <P/> This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) 1906****Balance : {$550.00} XXXX XXXXXXXX XXXX*Balance : {$760.00} XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXXBalance : {$10000.00} XXXX XXXXBalance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent account, XXXX XXXX XXXX ,X/XX/2010, XXXX $
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account that I have included a screenshot inside this complaint in on dates of XX/XX/2024. Please investigate and provide proof with statement showing that these payments were late. If proof can't be provided I demand these payment be updated to be paid as agreed on time as they should be du to the fact I was never late. Thanks in advance! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up to numerous accounts on my credit report that I have no connection to.I immediately called Transunion and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to Transunion, XXXX  and XXXX  via USPS. Transunion received my complaint on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed XXXX  my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. XXXX  has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly. 
Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.
Product: Credit reporting or other personal consumer reports

I am in the processing of looking for a home, and I seen there was damages made to my credit report. According to the 15 U.S.C 1681 law, there should not be any damages to my report. I didn't authorized these hard inquires, they are not in relation to my account.
Product: Debt collection

This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. 
This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has severely affected my life, causing considerable stress and XXXX I must emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit card or prepaid card

i never have a account with capital one but they call me a liar and retared
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name SUNBIT is reporting incorrect information on my credit profile. The alleged debt is being reported by XXXX as " Charged Off '' but XXXX and XXXX not reporting that can not be true, Because the account on XXXX and XXXX and XXXX are different its not even on them so this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  This company is reporting late payments on this account this company XXXX account XXXX XXXX XXXX to a CFPB complaint on XX/XX/2024 confirming that no late payments were reported to the bureau for XXXX credit builder card for this account.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea how they got there. While reviewing my report, I found discrepancies that hadnt been there before. I even refreshed my browser multiple times, thinking it might be a technical glitch, but the inquiries remained. I urgently need the documents Ive provided to be reviewed carefully so I can finally feel at ease.
Product: Debt collection

Received a call from XXXX ( XX/XX/year> at XXXX XXXX  XXXX  ). No message was left. Searched for the number and it belongs to Sunrise Credit Services. Their site definitely seems have a " debt collector '' feel, but it fails to include a statement that they are a debt collector. XXXX XXXX XXXX I have never heard from them before so I don't have any information about why they are calling. 
I'm certainly not going to reach out to them, but I think it's shady that their caller ID doesn't show their company name and their website fails to indicate that they are a debt collector.
Product: Mortgage

So I have been so much with mr cooper over the years. I was in forbearance and I was told after forbearance the past due would be put at the end of the loan. So after months of trying and trying the DEO of Florida which oversees the government back homeowners assistance fund finally approved me for my back pay and 12 months of future payments. Sent them the letter and I believe XXXX I think they are payee for DEO sent them the payment which took weeks and it just sat in Mr. Coopers account along with everyone else on this program. After all this it still shows me two payments behind XXXX and XXXX with XXXX due coming, what is the matter with them? I never dealt with such a XXXX  corporation in my life. Nothing else comes close. If you look at the payment history recently it is so confusing when you look at it. They cant even read it right I am sick of them controlling my life and it makes me XXXX  all the time. They always say they want to help you. But I always feel they get angry when your getting help and they want you to fail. I have been on XXXX XXXX XXXX in XXXX before and you would think someone would of watched it but I guess they didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  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 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. States a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Good Morning, Let me start by thanking you for taking a look at my issue. On XX/XX/XXXX Social Security made my XXXX deposit of {$3100.00}, to my account at Bank of America. This deposit was never posted to my account. After doing some extensive homework, and dealing with some very polite, slow but polite people at SSA, they proved to me that they had made the deposit as scheduled. I then went to the BOA branch in XXXX. I'll keep this short, so they said that I needed to wait, that the deposit would be posted the next day. At least, that's what the teller thought. They wouldn't let me speak with an account representative. So, I followed this visit up with a phone call to their national customer service number. Again, there was no help. It was indirectly told to me to contact Social Security, have them reverse the deposit, and resubmit it. When the representative was about to hang up I told her that I had the tracer number for the deposit. I told her that as I understood it, she needed to enter the tracer number into her system and see where the money went. She said she couldn't find that number anywhere in her system. She offered to give me a credit while they looked into the discrepancy. That credit never happened. 

I called back Social Security ; they confirmed that I had received deposits to this account in the past and I had. Then, they confirmed both the routing number and account number, and they matched. They also told me that the deposit information had an entry from Bank of America showing that the deposit was both accepted and processed. 

To close this out, I scheduled an appointment for the XXXX since they refused to help me on the XXXX. At this meeting, even though I have the trace number proving the deposit, they said there's nothing they can do. Tomorow, the XXXX of XXXX, my bills will attempt to be automatically withdrawn. If I understood the bank correctly, then even though this is my fault, I'll be responsible for all o f the bounce fees Any assistance that you can lend in trying to get this straightened out would be appreciated. Thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 general, 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.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding repeated inaccuracies on my credit report, including incorrect addresses, employment history, name variations, and unauthorized inquiries. Despite contacting the credit bureaus to request corrections, these errors persist, causing potential harm to my credit profile. I have never lived at the listed addresses, the employment history does not reflect my recent work, and multiple inquiries appear that I did not authorize. These inaccuracies not only misrepresent my profile but also constitute a violation of the Fair Credit Reporting Act ( FCRA ). I am seeking the CFPB 's assistance in ensuring the credit bureaus conduct a proper investigation and correction process to maintain accurate reporting, as these errors may impact my ability to access credit and other essential services. 
Thank you for your attention to this issue.