23daVinci/CFPB_Complaints huggingface dataset:
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 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 : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX
SOCIAL SECURITY: XXXX
EXPERIAN CREDIT BUREAU 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  TODAYS DATE: XXXX
REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF. 
DEAR EXPERIAN, 
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM CAPITAL ONE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX  THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR. 
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS: 
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT. 
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS. 
THANK YOU FOR YOUR PROMPT ASSISTANCE.
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items are UNKNOWN to me, please remove & block any items or information which is found to be opened due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX TO ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX transition has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Product: Money transfer, virtual currency, or money service

There were 3 check deposit into my sons minor acct ( 1 of {$200.00}, 1 of {$160.00}, and 1 of {$40.00} ) which equals to an amount of XXXX.. the check have blank names on the area where it says pay to the order of.. transaction was done in XXXX and we live in XXXX.. right after the deposit was made there was a XXXX transfer of {$400.00} which is the same amount if the checks they had deposited ... the bank says they have investigated and that everything points it was an authorized user.. but this is obviously fraud and it was their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax INC is ignoring my letters and verification documents hanging up on me during calls refusing to let me pull my own credit report
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion LLC regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, as well as breaches of my rights under XXXX ( XXXX XXXX Portability and Accountability Act ). 

Background and Complaint Details : I have previously raised formal disputes with TransUnion regarding inaccuracies in my credit report. Despite these efforts, TransUnion has continued to report false and damaging information, which has caused significant financial hardship and affected my ability to secure favorable credit terms. 

Specific Violations : XXXX. Inaccurate Reporting of Accounts : - TransUnion has inaccurately reported the following accounts : - XXXX XXXX XXXX Account Number : XXXX ) : Incorrect reporting of credit limit and balance. 
- XXXX XXXX  Account Number : XXXX ) : Incorrect reporting of account status and late payments. 
- XXXX ( Account Number : XXXX ) : Incorrect reporting of closed status. 
- XXXX ( Account Number : XXXX ) : Incorrect charge-off reporting and lack of payment history. 
- XXXX XXXX XXXX ( Account XXXX : XXXX ) : Inaccurate payment status reporting. 
- XXXX XXXX XXXX ( Account XXXX : XXXX ) : Incorrect reporting of repossession/foreclosure status. 
- XXXX XXXX ( Account Numbers : XXXX, XXXX ) and XXXX XXXX ( Account Number : XXXX ) : Lack of verification and no payment history available. 

2. Hard Inquiries : - XXXX  has failed to provide complete and accurate details for hard inquiries, which is a violation of FCRA 623 ( a ) ( 3 ).

3. Collections Accounts : - TransUnion has inaccurately reported collections accounts, violating FDCPA 807 ( 8 ). 

4. XXXX Violations : - TransUnion has reported medical account information without proper authorization or compliance with XXXX regulations, which safeguard the privacy and security of medical information. 

Request for Action : In light of these violations and the ongoing financial harm caused, I request the following actions from the Consumer Financial Protection Bureau : 1. Conduct a thorough investigation into TransUnion 's practices and handling of my credit report. 
2. Direct XXXX to immediately correct all inaccuracies and remove false information from my credit report. 
3. Impose appropriate penalties and fines on TransUnion for each violation of FCRA and XXXX regulations. 
4. Require TransUnion to compensate me with {$1000.00} for each account in violation, and an additional {$1000.00} per day for each continued instance of reporting false and damaging information. 
5. Provide a written response outlining the findings of the investigation and actions taken. 


Thank you for your prompt attention to this matter. I look forward to your investigation and the resolution of these serious violations. 

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

On XX/XX/2019, Equifax sent me a letter stating : " We have received your request concerning inaccurate information on your Equifax credit file. 

A preliminary review of your Equifax credit file indicates that the Social Security Administration ( SSA ) has associated your Social Security number with a person reported as deceased. It is important that you contact the SSA to protect your current and future benefits eligibility. '' I called the number listed on the letter and spoke to a customer service representative. I first verified that my social security number was listed correctly on my credit file. After being placed on hold several times, the customer service representative could not answer any questions regarding this letter I received. They stated that there were no " deceased '' remarks on the credit file. I asked if they could see the letter they sent me. They had no access to this information. I asked to speak to a manager and without asking or putting me on hold. The customer services representative told me there were no managers available. I am clearly not deceased and wanted to know why I received this letter. The CS rep would not answer this question and had no information about it. 

I received this letter in response to a dispute letter I sent. I feel that this letter was a stall tactic used by the credit bureaus to prevent me from disputing the information on my account. I asked them to verify that the bankruptcy listed on my credit report was correct. I received a letter stating that it was " verified as accurate '', I then asked them to provide the method of verification used to verify the public record. They responded back that it was " verified as accurate ''. I then sent them another letter asking to remove the item off my credit report and I received the above-refrenced letter. This was sent to me as a stall tactic to prevent me from disputing incorrect and inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Wont stop calling about a debt that was in 2017 should be off credit report. They keep XXXX me.
Product: Debt collection

XXXX I mailed a letter to this company ( see attached ), and then I submitted a complaint on XX/XX/XXXX, through this website. On XX/XX/XXXX the company responded that they purchased my debt as a third party, however, I provided feedback to the company, requesting proof of purchasing agreement from the original creditor to your agency. The discrepancy that I have is that the original creditor has used my acct as a " charge off '', meaning they forgive part or all of the balance through their expense reports and/or tax records. Therefore, when it is sold to their agency, I may or may not be responsible for amounts that have been considered " Charged off ''. The company has not provided this information to me through any form of communications.
Product: Debt collection

20+ points impact on your credit score because their auto-payments system wont kick in! Poor customer service, promise theyll get back to you but dont. In no way they reached out for me to alert me about a late payment despite automatic payments being setup. 

* XX/XX/XXXX - closed refinance through better mortgage * XX/XX/XXXX - first statement sent, payment due date is stated to be XXXX * XX/XX/XXXX - I log into TMS website and set automatic payments {$500.00} more than whats required to occur every first of the month. Hoping Ill never need to worry about it again. 
XXXX XX/XX/XXXX - email from TMS that my billing statement is ready to view online * XXXX - credit reporting services register credit score dropped 120+ due to being 30 days late on mortgage * XXXX - Friday, I get notified about credit score drop and since its the weekend no one to talk to at TMS * XXXX - I make an online payment manually of all remaining balance. Automatic payment didnt kick in for either XXXX or XXXX. no attempt to contact me. 
* XXXX - I was able to get in touch with a TMS customer service. 20 mins on the phone. person in extension XXXX promises a supervisor will get back to me. no one gets beck to me * XXXX - I call in 49 minutes on various holds on the phone. Eventually get through to XXXX at extension XXXX, she promises this time they will really get back to me on XX/XX/XXXX morning. 
* XX/XX/XXXX - no one got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive found hard inquiries on my credit report that I did not authorize. Under 15 USC 1681c-2, I request their removal to prevent further credit harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

student loan is more than 10 years old im attempting to purchase a home and this loan reporting is making my debt to income ratio high.
Product: Debt collection

RE : Debt Validation and Cease-and-Desist Request Dear Portfolio Recovery Associates, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to formally request that you provide documentation validating this debt. Additionally, I request that you immediately cease and desist from all collection activities regarding this alleged debt until proper validation is provided. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the total debt amount, including a detailed breakdown of the principal, interest, and any fees. 
Documentation showing the existence of a contract or agreement between myself and the original creditor, demonstrating my obligation to pay this amount. 
Copies of all assignments or transfers of the debt, including evidence of the transfer from the original creditor to your agency. 
Proof of securitization, if the original creditor securitized the debt. 
Documentation of any transfers or assignments to secured trusts or back to the original creditor. 
Until you provide the requested information, please cease and desist from : Reporting this debt to any credit bureaus or accessing my credit report. 
Communicating further with me about this debt, except to provide the requested documentation. 
Permissible Purpose If you have accessed my credit report, please provide your permissible purpose for doing so. I dispute your right to access my credit information and request that you not take any further actions in this regard. 
Notification to Other Collectors If you transfer or sell this debt to another collector, you are required to notify them of this dispute and provide them with a copy of this letter. 
I dispute the validity of this debt. If you have already reported this debt to any credit bureaus, please ensure that the dispute is reflected on my credit report in accordance with the law. 
Please treat this letter as a formal notice to cease and desist any further collection efforts until proper validation of this debt is provided. I expect your timely response within the guidelines of the FDCPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

there was a request in the past 60 days for the removal of old address 's that no longer are relavent to me. 
I had called into the Equifax, and even placed a onine dispute to have removed and was told that these updates should take about 30 days to reflect. I went to check my report to see if there was any update now 45- days later and I see the addresses still remain. 

the addresses that were requested to be removed are below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NM XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CO XXXX I also wish to bring to light that one address in particular is not a true address, which shows that there was a fraudulant interaction with my credit report. 
( XXXX XXXX. ) ive even clarified according to 15 U.S.C. 1681i as reference upon my request to a complete and thorough investigation into these addresses and for thier immediate removal.
Product: Mortgage

Attempted to make an online payment to our mortgage compan y Loancare. No error message ever received to show payment did not go through. Assumed payment went through as it has every other month we have paid online. Went to make next months payment it shows we are 30 days late. I called and Loancare said yes we can see you did log on and attempted to make a payment but it did not go through but sorry we ca n't help you.I had to make a payment over the phone for both months because again the website would not work. They said they could not talk to me about it and to email a dispute which I immediately did. Loancare then reported a 30 day late to our credit. We have sold our house, my elderly parents are moving in with us because they are sick and currently live far away. Loancare said they ca n't talk to us over the phone, it will take 60 days to review the dispute and sorry we ca n't help you. We are not unable to purchase the home we are supposed to close on in 2 weeks.  They wo n't look at a dispute or talk to us for 60 days but already posted to our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit bureau several time in regards to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection merchants credit guide should be closed it is under bankruptcy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was alerted that a credit card I tried to open with XXXX XXXX  was denied. Since I did not apply for a card, I was instructed to do a credit freeze and report a fraud alert. Part of that process was for me to create an online account with Experian to pull a credit report, manage my credit freeze, and report a fraud alert. 

The online account with Experian was created on XX/XX/XXXX, and the credit freeze put in place. I created a brand new password for this account that was kept secure. Since then I had logged in several times to check for any more fraudulent activity on my report. 

On XX/XX/XXXX, I received an email from Experian stating that my profile information on my was recently changed and to contact a support email if I did not initiate this change. I tried to go to the Experian website ( not clicking a link from the email ) and found that my password no longer worked. When trying to recover my password, my phone number had also been changed. I also received a text message saying that an Experian checking account had been created in my name. 

I tried to call Experian and was stuck in a phone tree with no help. After some digging online I found a different number and was finally able to reach a person. I was able to confirm my account had been hacked, and a digital checking account opened fraudulently. My question is how is the Experian security so weak my account was hacked within weeks? How was someone able to create an account when I had a fraud alert on my credit profile? 

I am still locked out of my Experian account and am unable to recover it without mailing or faxing ID, SS card, and utility bill. I have no confidence that this information will be kept secure by Experian, but I have no choice but try and recover my account from hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, Portfolio Recovery Associates, who is all violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ).

Portfolio Recovery Associates are falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which also resulted in my FICO score taking a major plunge because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this debt collection agency was removed back in XX/XX/2017, only to learn they are still falsely reporting to all 3 major credit reporting agencies. I am still trying to understand how they were able to just report the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies.

I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

Thank you
Product: Student loan

I can't get a hold of the company because they have limited hours and I sit on hold and then get hung up on. 
I scheduled my student loan payment for XXXX XXXX XXXX. I then signed up for auto pay and received an email that my auto pay would start on XXXXXXXX XXXX XXXX and that I need to make sure that I have a payment scheduled for XXXX. I went to the website and saw that I couldn't cancel my original payment, but I thought I was all set because autopaXXXX wasn't starting in XXXX ( according to the email ), but then they went ahead and started the autopay for XX/XX/XXXX! 
So I payed XXXX XXXX AND the auto pay started on XXXX XXXX, so they charged me TWICE.
Product: Mortgage

My company is improperly collecting taxes and insurance. I am tax exempt yet they collected for a whole year tax that was not payable, forcing me to almost double my correct payment. then, although I have a fully paid homeowners insurance policy, they have forced placed my homeowners insurance for no reason and refuse to refund the escrow payments i have made. 
i have used their messaging system for at least 6 months and receive only form letters letting me know they have received the letter as required by federal law, but i never hear a response.