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

I have disputed things on my credit report and Experian did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. Experian has not yet removed this or any of the other items disputed that XXXX has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.
Product: Credit reporting or other personal consumer reports

There are two credit reporting agencies ; XXXX and Experian who have failed in their grave responsibility to uphold the consumer 's right to privacy. These agencies ' careless and unlawful business practices have resulted in data breaches, and I personally have been affected by such malpractice. A fraudulent account has been opened in my name, adversely affecting my ability to utilize my consumer credit. I have already submitted an FTC Identity Theft Report and disputed the account with the companies multiple times, only to receive frivolous boilerplate responses in return that are off-point and do not address the nature of their mistakes. While XXXX has done the fair and equitable thing in deleting the account from my report, they have not properly and justly compensated me for the violation ( under 15 USC 6801 ; breach of privacy ). Seeing that the account is no longer reporting on XXXX due to its inaccuracy, Experian should now follow suit and remove the account, and compensate me {$1000.00} for each violation of the FCRA. Another violation that I am to be compensated for is the fact that I didn't receive any request for permission to furnish such information. As I have stated I haven't had access to my consumer credit and have been denied countless home loans, apartment leases, and rental properties. As a result, I am currently homeless with a wife and child. At the time the charge-off hit my account I was applying for a {$500000.00} loan and the law states that as actual damage that I must be compensated for. 

XXXX XXXX XXXX claim number : XXXX
Product: Mortgage

For the past XXXX years i have been been getting the runaround rom XXXX XXXX. All the documents requested were submitted along with Hardship letter my wife had gotten XXXX. So i was the sole provider for my Family. They recently denied a modifacation but have not been able to explain there reason. They claim there were covid programs but nothing was offered .Last year a representative from SPS called with a lower payment so i said just put in in writing and i can start to pay. The following day a rep from SPS called and stated that this person was not authorized to make that decision ..Every time you call them a different person picks up and tells you a different story. Just not fair.They dont include all the documents i have submitted and tell me to resubmit .them again. The same docs over and over. There are over XXXX reviews on the web site and they are all the same as mine. Over 200 law suites have been settled do to there lack of compassion. Just a group of greedy uncaring people. They should be put out of business and all debt should be forgiven .Respectfully Submitted XXXX XXXX XXXX Veteran.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer. 

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX FL XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.
Product: Debt collection

Sunrise Credit Services , Inc SCS account number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account number :. ... XXXX Balance due : {$92000.00}. 

SCS is attempting to collect an outdated fraudulent/erroneous balance account/written off by XXXX  XXXX XXXX in XXXX. 
XXXX granted me a HELOC, home equity line of credit in the amount of : $ XXXX {$25000.00} check, {$31000.00} to o remain in XXXX   possession until I requested the remaining balance ; which I didn't and collect XXXX no interest and received no monthly statement s from XXXX  ; Home Equity Line of Credit : the equity in home is collateral for a loan. 
I told XXXX/SCS the property had been sold for one ( 1 ) year unpaid property taxes. 

In previous years I filed a " Double Homestead Exemption '' with the XXXX County Treasurer 's Office, which as " Exempt '' means ; I was free and clear from earlier years of delinquent property taxes, and no delinquent property taxes ; due to my age and disability/employment related injuries. 

The above referenced XXXX  account opened XX/XX/XXXX and closed XXXX. 

It is now : XXXX XX/XX/XXXX, four ( 4 ) years after Credit Bureaus seven ( 7 ) year statute of limitations on debt collections on the HELOC account closed by XXXX in XXXX. 

Someone has, illegally, changed this loan from the original amount of : {$56000.00} to {$92000.00} to {$100000.00}, back to {$92000.00}. 

These amounts appear in the Credit Bureaus files also. 

XXXX XXXX
Product: Mortgage

Interest paid on my Wells Fargo mortgage has fluctuated even though all of the other amounts have stayed the same. 

Details Principal : {$170.00} Interest payment : {$300.00} Escrow payment : {$250.00} I have attached a statement from XXXX to show the fluctuation but it is with every payment as far back as I can view the statements. My mortgage was taken out at the start of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Security Credit Services LLC and XXXX use an account ending in XXXX that was in repayment plan with this creditor to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/2024. The creditor action with XXXX was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau XXXX today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor Security Credit Services LLC started to take the payments out on the XXXX of XX/XX/2024 earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made a payment as a with agreement. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/2024.
Product: Credit card

XX/XX/XXXX I applied for a credit card from Concora Credit with a credit limit of XXXX . The offer for this card was sent to me through the postal service, so I assumed there would be no issue applying. The mail stated there was no deposit required to open the account and did mention an annual fee but didnt mention it would be charged to the account before I even got my physical card in the mail. 


When my card was delivered I went to activate it on the companys phone application but noticed my account was blocked. I called the number given and was told my account was block because there was an address change on a date prior to me even receiving my card in the mail which didnt happen from me. So I asked what the address was changed to but they didnt want to provide the information, instead they asked for me to fax over a copy of my identification card which I didnt feel safe doing. 

The company has called me multiple times since but the moment I answer there is no response and they just hang up. I havent logged into my account since opening the account and cant since its still blocked, I just wish to cancel this card because it took a huge hit on my credit.
Product: Mortgage

Been faxing paperwork, my cousin helped me fill out! 8th time on phone, called XX/XX/XXXX had to give information over phone, said approved fax papework which i had already, then send package going out, ( SEE PROOF ) then on XX/XX/XXXX was a sale!!!!!!!!!!!! IS AN FHA LOAN! I did what i was supposed to, now called today XX/XX/XXXX said denied due to sale  PENNY MAC IS A LIAR been faxing paperwork!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section XXXX ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. 


There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of XXXX5 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section XXXX K ) For failure to comply with a provision of this subchapter.
Product: Checking or savings account

On XX/XX/XXXX I submitted a notarized request to close my Kabbage business account. Asking the bank to either transfer the funds to my American Express savings account ( Kabbage belongs to American Express ) or to send a check to the address on file. 

Instead of receiving a response in writing, I received a phone call from a lady with the name " XXXX '' on XX/XX/XXXX confirming that Kabbage received my notarized request. XXXX stated that Kabbage still would not close my account or provide access to my funds.
Product: Credit reporting or other personal consumer reports

Upon Checkin my Credit report, I noticed these unauthorized inquires on my credit report and have suitable reason to believe I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A capital one credit card account was opened in my name. I did not open this account, nor did I supervise it. I have called the bank associated with this card, and I am aware of transactions in California that could not possibly relate to me at all. I need this removed off my credit reporting ASAP.
Product: Money transfer, virtual currency, or money service

Everytime i try to do a wire transfer into my XXXX account they reverse it and say its suspicious activity or they hold on it. not a single wire i try to do goes into my account. How is it even suspicious? Even ach transfers are not going through. Why am i having this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts currently listed and showing on my Experian, XXXX and XXXX XXXX credit report are not my accounts : Bank XXXX XXXX XXXX XXXX XXXX, balance : {$330.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX  XXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Debt collection

Subject : Debt Validation Request I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ). 
2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt. 

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided. 

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. 

Thank you for your attention to this matter. 

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX  XXXX Balance : {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this is showing on my credit report which is inaccuarte amount of an account. 

XXXX XXXX XXXX XXXX {$780.00} - - -No Data Account Information Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$780.00} Original Creditor XXXX XXXX XXXX XXXX  Past Due {$780.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, A company called XXXX  reported to my credit bureaus without my permission. They claimed I check marked a box allowing them to report the credit line however I don't recall ever signing off or accepting this. I want the line items removed I believe it is 4 of them. They also use a different reporting name as well called Flourish. It's damaging and they aren't being helpful.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the mishandling of my personal information during the Equifax data breach that occurred in 2017. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. 

Despite being notified of the breach, I feel that Equifax has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by Equifax, but I remain concerned about the potential long-term impacts on my credit and identity security. 

Furthermore, I believe that the measures offered by Equifax following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. 

I urge the CFPB to investigate this matter thoroughly and to hold Equifax accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.