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

Submitted disputes with Equifax, XXXX, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY I ATTEMPTED TO GET A COPY OF MY FREE ANNUAL CREDIT REPORT FROM TRANSUNION BUT I WAS NOT ABLE TO DO SO BEING THEY SAID THEY COULD NOT VERIFY MY IDENTITY BASED ON THE INFORMATION I GAVE THEM.     I AM REALLY ANGRY THAT TRANSUNION REFUSED TO PROVIDE A FREE COPY OF THE ANNUAL REPORT.     I CAN NOT CALL THEM DURING THE DAY BEING I WORK AND CAN NOT HAVE THE ABILITY TO USE A TELEPHONE.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/2020. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with XXXX and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, XXXX has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found. 

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like XXXX, XXXX provide accurate information to the credit bureaus and to correct any inaccuracies once identified. 

Given the clear discrepancies between XXXX  reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for XXXX to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

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

This is a second complaint to the first complaint that was already filed with your company regarding that of the credit bureau, Experian. Therefore, the complaint issue is that Experian as a credit bureau is denying my wife, and I are rights as consumers as there is inaccurate information on both my wife 's credit report and my credit report regarding a XXXX XXXX and XXXX XXXX bankruptcies. 
In relation to Experian, there has not been any representatives within this credit bureau ( company ) that has been able to provide any type of answer relating to the " Improper Involuntary Bankruptcy Cases '', ( XXXX  XXXX and the XXXX ) that does not belong on either of our credit reports due to the attorney 's firm fraudulently and erroneously mishandling the paperwork for both of these bankruptcies. Additionally, I have asked numerous times from different representatives within Experian that I have talked to, on how to upload supporting documents for these XXXX bankruptcies, the XXXX  XXXX and the XXXX  XXXX, but have never been able to receive any answer from Experian. Besides that, by what the attorney 's firm, XXXX XXXX  XXXX created in this situation by doing it in a fraudulent and erroneous manner ; it ended up leading me to becoming a victim of identity theft. Therefore, as I received verification from the IRS that they had received XXXX tax returns for the XXXX Tax Year, which ended up leading me to being audited from the IRS for that tax year. Additionally, in relation to Experian, the representatives within their special services section ( Special Handling Section ) did not and/or has not done their " due diligence '' in regard to either one of these bankruptcies, the XXXX  XXXX or XXXX  XXXX, as they have not done the research that was needed to be done in relation to these " Improper Involuntary Bankruptcy Cases ''. ( Additionally, a representative by the name of XXXX within the Special Handling Section/Fraud Section provided me a verbal answer that both of these bankruptcies, the XXXX  XXXX and XXXX would be removed from my credit report, however, as to this day, the XXXX of XX/XX/XXXX, has not been removed from either of our credit reports. Thus, making it very frustrating and annoying that Experian is denying our consumer rights on our credit reports. ) The supporting documents were all uploaded and sent to Experian ; however, the Special Handling Section/Fraud Section within Experian did not do any research into any of the documentation that has been sent to them. Furthermore, Experian is ignoring the supporting documentation that has been sent from these bankruptcies as I have received a prior notice from Experian that they were not willing to remove these XXXX  XXXX or XXXX bankruptcies that have been stated as, " Improper Involuntary Bankruptcy Cases ''. Not only that but proving that Experian did not do any research into the surrounding information on either of these, the XXXX  XXXX or XXXX bankruptcies that was done on a fraudulent basis with the attorney 's firm, XXXX XXXX XXXXXXXX, and therefore, creating me to become a victim of identity theft with the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested validation and verification of a bankruptcy with XXXX XXXX that has been reporting to the credit bureaus. After 30 days I received a response from Equifax stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if XXXX XXXX verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Product: Mortgage

I am attempting to close on the sale of my house in DC. In 2003, before I bought the property Wells Fargo Bank placed a lien on the property. The lien was placed in error and should have been on another property owned by the person who sold me my house. It existed when I bought the house but was indemnified and told to purchase title insurance, which I did. At the time, I assumed the error would be corrected by the title company I was using ( XXXX XXXX ). It was not corrected, and is now holding up the closing as I am attempting to sell my property. Wells Fargo has admitted its error, but as not corrected it yet. The processing error of the refinance is causing me material damage. I have to pay the interest extension until the property is cleared. It is also holding up the closing of another property in Maine that I have purchased, not to mention increasing my storage costs for my personal property since I have moved out of my house anticipating the closing. I am in limbo staying with family until the matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXXXXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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 an account without my written instructions
Product: Checking or savings account

Around XX/XX/23, I opened a Citi Accelerated Savings account and completed an ACH transfer from my XXXX checking account in the account of {$14000.00}. The funds were posted as a Withdraw from my XXXX account. Last week, I had an opportunity to obtain a higher return on investment on my money and attempted to transfer the funds back to my XXXX account, the Citi portal indicated that the transfer is blocked for a MFA review and to call XXXX. They mentioned the transaction is being reviewed and take 24 hours. I called XXXX on XX/XX/23 to check on the status as I still can't transfer the funds and they instructed me to call back on Monday XX/XX/23. As of XXXX XX/XX/23, not only are the funds not being able to be transferred but Citi has made my accounts inactive. THEY HAVE {$14000.00} on my hard-earned money and won't release it!!!! Please Help!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT XXXX XXXX XX/XX/XXXX {$3100.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge accounXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} Credit Card CITI XXXX XX/XX/XXXX {$480.00} Credit Card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$20000.00} Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I took out a loan on my vehicle in XXXX of XXXX. I am not disputing this and I defaulted on the loan and owed this company and a late, repo was put on my credit reports which were valid. I called XXXX  and asked them about the judgment letter I received that stated a judgment would not be reported it I made arrangements to pay. I called on XX/XX/XXXX and did just that. They never gave me proof as to what the vehicle was sold for only verbal proof, why would I trust these people to tell the truth. I was then told I had a remaining balance of XXXX in which I could make payments and it would not be reported as a charge off because I have satisfied my obligation. Even though I know this was still bad on my credit I didnt want to owe these people and have them out another negative remark on my credit report. I started paying right away and had paid almost {$800.00} dollars when I received an alert from XXXX saying that this company has reported a charge-off even though they informed me they would not if I paid and agreed to pay. 
I then called them that day and spoke with XXXX XXXX one of the Managers there. I told him my dilemma and he said, Ms. XXXX, if you make a deal with us and pay {$400.00} we will take ALL the negative information off your reports and it will be like they never existed. I was ecstatic and agreed, I spoke with an Attorney and he informed that XXXX   could not delete these items form my report but what they could do is not do anything when I disputed them and they would fall off automatically with all three bureaus within 30-60 days. I asked XXXX XXXX for something in writing stating this was the case and he refused to ask me to just trust him. I told him I trusted no one at that company and this was a business transaction. They refused to put anything in writing even though I recorded XXXX on my cell phone with his permission stating that all the items would be removed for {$400.00}. 
This has affected me greatly not so much the repo and the late but the charge off they lied about. I was denied and apt I needed and my credit lines were decreased on some of my credit card accounts. As a result of this, I have been on pins and needles aggravated my condition of anxiety that I take medication for every day. I want these people to make good on their promise and get it in writing in the interim I am going to file a claim at the XXXX XXXX courthouse on XX/XX/XXXX for the maximum of {$7500.00}. XXXX XXXX has stopped taking my calls and wont call me when I leave messages. I dont think I should be liable for the {$400.00} since I have been through so much pain and mental suffering with this company. I have proof of all that that I stated above including bank records where they took payments from my checking account for the {$150.00} per week for 5 weeks which was never reported as being paid either to the credit bureaus, in fact, I have a letter from them on XX/XX/XXXX ( attached } stating I still owe the full amount which is incorrect. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for and was given preapproval on XX/XX/XXXX pending submission of required documents. I submitted as requested documents but received no response from the company. I called the companies local branch of XX/XX/XXXX and was told they were short staffed but I would be contacted on XX/XX/XXXX by my assigned loan officer. After waiting all morning for a call I contacted and was connected to my loan officer. I was asked to submit another series of documents, which I did, and was told I would receive a return call. After not receiving a response I called back and was told they just needed to review my documents and then we could close on the loan. I waited until XXXX cst-15 minutes before the office closed for the day before receiving a call back. Upon calling back more financial documents were requested including, 90 days of pay stubs, my XXXX XXXX  and was told after these documents were received we could close the loan by the following afternoon which wouldve been XX/XX/XXXX On the morning of XX/XX/XXXX I received another documents request for my full XXXX taxes. This was incredibly frustrating because Id asked on XXXX/XXXX whether my taxes were being requested and was told they were not requesting my taxes. I believe I was discriminated against by One Main financial. I submitted more than a year of financial disclosures and all other requested documents. All of the documents I submitted were valid and more than demonstrated that I could meet the criteria for the loan amount I was requesting in including a credit check. One main financial participated in a bait and switch. They ran a hard check on my credit, failed to reply in a timely manner on several occasions, changed the requirements for financial disclosure several times with no valid explanation of why. Finally after submitting more than two dozen documents and One main requesting even more information I reached my breaking point. I have attached email screenshots of all of the documents requested and received by one main financial and the additional documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC1681 section 602a States that I have the right to privacy. 
15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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.

15USC1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX and Experian, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. XXXX has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( XXXX XXXX Experian XXXX XXXX for {$2300.00} - XXXX {$540.00} XXXX XXXX {$310.00} - XXXX XXXX  - {$640.00} Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that TransUnion is in violation of ( 4 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports