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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  is the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX XXXX  as it pertains to this account with XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX XXXX XXXX are not maintaining reasonable procedures.
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. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 4 weeks now to get my credit unlocked by Equifax " Lock and Alert ''. I have been on the phone for hours each time i talk with Equifax. I have faxed all the information they ask for. Every time I call I get transferred to the wrong department or to their overseas phone clerks who do not understand english. I have spoken to supervisors who tell me that they escalate the problem but nothing happens. they can never give you any information about why they can't unlock my credit file. Several supervisors say they escalate the case with a priority or expedite notation. Still nothing happens. No ever contacts me. This is all frustrating as h*** ... ... .. I need my credit unlocked for a refinance. Please help me!!!!!!!!!! Do not subscribe to Equifax Lock and Alert!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Mortgage

On XX/XX/XXXX I purchased my home for {$200000.00} through Fay Servicing. In XXXX I did a modification on my own through the housing program, they had a program that they were offering if you qualified for {$50000.00} ( non repayable with stipulations ), I did qualify. Which brought my mortgage down to {$160000.00}. In XXXX I filed bankruptcy and my mortgage company had a modification program with HUD/FHA that they advised me to go through I qualified for the modification. Which was for {$47000.00}. Which brought my mortgage down to {$120000.00} that I pay through my mortgage company. Now in XXXX I wanted to do a home equity loan through a federal credit union which I was approved for. Once the underwriter was doing the verification of the title search. She contacted me with a discrepancy of my title search. she explained to me that my home was appraising at $ XXXX {$260000.00}, also I had 2 leans on my home that was filed with my mortgage company that did not match up with my paperwork that I submitted to her. First lean is my mortgage company ( Fay Servicing ) for {$120000.00}, also the second lean is HUD/FHA for {$120000.00} as well. She explained to me that I would be upside down on my mortgage because the two of them would come out to be about {$250000.00}. She advised me to contact my mortgage company and she would forward me the information to show what she received from the title search. Also I should request a payoff from HUD/FHA. Which I did and the payoff is {$47000.00} but Fay Servicing filed {$120000.00} with the title company which they filed incorrectly. I took her advise and contacted my mortgage company ( Fay servicing ) and explained to them the situation as well as forwarded them all of my original paperwork as well as the paperwork from the credit union. They have had my information for awhile and said that they would handle it. They did say that there was an issue with the filing of the title incorrectly. It's been two weeks almost three since I contacted them about this problem. My account manager says that he forwarded things to his manager and things are getting taken care of. I feel as if nothing is getting done. They're giving me the run around and holding me up with my process.. I need this resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting Chapter XXXX Bankruptcy I NEVER filed. I repeatedly complained about it for over 6 months, but it's still there. I believe they are NOT doing any ACCURATE data verification. 

I had to go to an attorney and pay him to search PACER database to get attached report. 

I have never, ever filed any bankruptcy in my life. 

Please help me. I'm attaching my SS card so you can see my SSN on the Pacer report. 

This has negatively impacted my credit so much that I'm not able to get the credit I deserve.
Product: Credit reporting, credit repair services, 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. 

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 : 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: Credit card or prepaid card

XXXX XXXX XXXX CREDIT CARD- PAYMENT ELECTRONICALLY SENT ON XX/XX/2022 STATED DUE DATE - AE DID NOT POST TILL XX/XX/2022 CAUSING SYSTEM GENERATED LATE FEE {$29.00} AND AN INTEREST CHARGE OF {$59.00} - ON CURRENT BILL WAS CHARGED AN ADDITIONAL INTEREST CHARGE OF $ XXXX ALL PREVIOUS AND CURRENT PAYMENTS MADE FROM XXXX BANK SENT ELECTRONICALLY ON DUE DATE. IN SEVERAL CONVERSATIONS WITH AE THEY WOULD CREDIT THE LATE FEE BUT DID NOT APPEAR ON CURRENT BILLING. 
XXXX XXXX XXXX ACCOUNT ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX
Product: Credit reporting or other personal consumer reports

I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights And Resolved Inaccuracy and Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely.

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Attached to this CFPB Complaint, I have attached Proof Copy of Inaccurate Findings On My Credit Report. I Have Circled In Red all Inaccuracies On Credit Reports With Equifax, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX collection accounts on my credit am inquiring about XXXX XXXX and XXXX XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Product: Debt collection

The company saying i have a loan for XXXX that i owe and i don't
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Transunion What happened ( statement of pertinent facts ) : DATE XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : 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 TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) A auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5100.00} under account # ( XXXX ) that appears related to the aforementioned Auto loan account opened at XXXX XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} under account # ( XXXX ) A Hard Inquiry XXXX XXXX  XXXX ON XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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

original account number was charged in a Chapter XXXX bankruptcy in XX/XX/XXXX Wa DOc # XXXX, then again in XX/XX/XXXX Wa DOc # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money
Product: Mortgage

Case # XXXX refers. 

WellsFargo continues to double down on their wrong Escrow account calculation in response to my enquiries. 

Please note that my monthly mortgage statements support that during XXXX, I made payments to Wells Fargo in the amount of {$18000.00}. 
Funds paid into Escrow = {$10000.00} Escrow Disbursements = {$6300.00} Instead of correcting their error or clearly explaining how the ending balance in my Escrow account for XXXX became {$1200.00}, Wells Fargo continued to send pages of irrelevant information. 
By generating false foreclosure letters to justify attorney fees and claiming they were unable to locate calls made from a branch by an employee ( XXXX ) to a Vice President dispute resolution. A fact that was confirmed in their system when I went back to the branch in XXXX. WellsFargo has again shown lack of transparency in handling my Escrow account...
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reporting Inaccuracy by Prestige Financial To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting by Prestige Financial that is adversely affecting my credit report. This account, associated with Prestige, was discharged in bankruptcy on XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code, this account should not be reported after the discharge. 

Background In 2015, I filed for bankruptcy due to financial hardship. The account with Prestige Financial was included in my bankruptcy proceedings. Following the sale of the vehicle, Prestige Financial provided me a check for the remaining balance after the sale, thereby satisfying the debt in full. Consequently, this account should have been marked as closed and discharged. 

However, I have recently discovered that Prestige Financial fraudulently re-reported this account as active on my credit report without my consent or prior notification. This action violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Under Section 609 ( a ) ( 1 ), I have the right to dispute inaccurate information. The failure to accurately report the status of this account is misleading and unlawful.

Bankruptcy Code : The reporting of debts that have been discharged in bankruptcy is prohibited. This negative reporting significantly impacts my creditworthiness and financial opportunities. 

Fair Debt Collection Practices Act ( FDCPA ) : If Prestige Financial was attempting to collect on this debt after the bankruptcy discharge, it constitutes a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account 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/account/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found a 30 day late on my XXXX credit card. I called XXXX and they stated the information was correct without clear explanation. I asked for proof and I sent proof of payment being NOT late. I received no repose or call back. I continued to check my credit and saw that they were still reporting the 30 day late. I disputed through Experian and XXXX never responded with proof of late ( they just said information is correct ). I am asking for XXXX to provide me proof in writing of my ( proposed ) late ; otherwise ... without the proof, the information is incorrect and needs to be adjusted accordingly to report correctly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one inquiry on my TransUnion credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with TransUnion and XXXX XXXXXXXX XXXX.
Product: Debt collection

I contacted the originator of the debt they said they never had an outstanding balance from me that they sent to collection and everything on my account was still pending with insurance on XX/XX/year> I called the originator billing office and they stated they never sent any bill to collection and that all my balances were paid in full or pending and that they had no outstanding balance or collections sent XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2023  I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission
Product: Debt collection

This is the most insensitive, aggressive, and rigid collections company I have ever dealt with. To start, I NEVER got any written notification of this debt. A lady called me in XX/XX/2018 while I was in XXXX - in the hospital - and I told her I could not deal with the collection at the moment due to being in XXXX but I would call back later that day or the following day to pay as I didn't have my wallet. She said that wasn't her concern, if I didn't settle the debt right that second she would report it to the credit agencies and note refusal to pay on my account. Her language was unacceptable during this call, she was loud, aggressive, threatening, and unwilling to work with me even as I said I would pay it within 24 hour period. I was in XXXX XXXX   and thankfully it stopped and I was discharged so I called back to arrange payment that following day. Again, she was beyond rude and I requested that it not be reported to the credit agencies since I was paying it as soon as it came to my attention, she agreed but it came up on my report a few weeks later. I have since disputed this several times with Procollect refusing to take down the report. When calling them, they refuse to allow you to speak to a supervisor and frequently hang up on you. They are always aggressive and yelling - absolutely no way to treat someone who is willing and trying to settle a debt. It is impossible to know who is really in charge but every single person is insensitive to my MEDICAL situation or the fact that they are on record stating it would not go to collections. They are threatening and dishonest and overall extremely rude to their customers. My account total was under {$350.00} and I shouldn't be treated this way for doing the right thing and paying off a debt that I wasn't made aware of until it was in the hands of these bullies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX