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

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX never late XXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX XXXX XXXX {$640.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$4700.00} not mine XXXX  XXXX XXXX XXXX {$300.00} not mine XXXX   XXXX XXXX XXXX {$450.00} not mine XXXX XXXX   XXXX {$1400.00} not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried accessing my credit report and there is a credit freeze on my credit report that i cant seem to access or gain control over. i cant log on to my XXXX  account any more my email, phone and phone numbers has all been compromise and i have sent a copy of my i.d social and and requested from XXXX and and the other company to update and release my my information. i got denied. my american express, XXXX, XXXX, XXXX  and XXXX XXXX all are compromise american express and XXXX  cancelled my real account and the fake one is still up and running.
Product: Mortgage

I've been told the company is easy to work with when it comes to financial issues. This has not been the case, they said there is nothing we can do to lower our payment. They will not refinance the loan from XXXX to XXXX  years or give any other options. Tried explaining that we only have XXXX income and are making payments to them when we can.. the only thing they tell us is to find a better job, sell our only vehicle that we have to have for our XXXX small children.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : Experian. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as followed : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX. ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  ) ACCT # XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX XXXX ( original creditor : XXXX THE XXXX XXXX ) ACCT XXXX XXXX Detailed Legal Framework : 1. 15 USC 6802 ( XXXXXXXX  Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to XXXX, Experian, and XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the credit reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal and financial information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 about fraudulent information on my credit report and need to remove it immediately. The creditors who are reporting negative information have been using incorrect names as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have provided proof that the use of these names has been used in identity theft.
Product: Credit reporting or other personal consumer reports

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1100.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting ACT I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

They report that I was a fault in a car accident in which I was rear end by a truck and do to false reporting it cause me to be denied car or to receive a high car ins rate, there is is phone number social security number address and multiple same accounts on my report that are not mine I need this to be addressed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Remove immediately listed below : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Remove and XXXX  immediately off my credit
Product: Debt collection

This is a collection company called diversified consultants. They are trying to collect for XXXX XXXX XXXX. Ive told them that I didnt have a remaining balance when I closed my account and when I went to turn the equipment back in I was told they like to still charge you and to hold to my receipt which I have. I tried explaining this to this collection company but theyre trying to tell me its not for an equipment charge. So I asked where is it coming from because I didnt have a balance and they couldnt give me an answer. All they keep saying is I owe {$270.00}. They have been calling for 4 months and I have blocked their number 13 times ... the balance is now on my credit report so I figured that they would stop calling because thats what they threaten you with to get to hurry up and pay, but NOPE they called me today XX/XX/XXXX from another number ... .please get the calls to stop before my phone memorys full from blocking everyone in the companys number ... ..please and thank you!!!!!
Product: Payday loan, title loan, or personal loan

I've been trying to get a personal loan to fix my XXXX  ramp. On XX/XX/2020 I received a message from XXXX XXXX and Sun Trust Bank saying the loan was approved. I contacted XXXX XXXX and he told me in order for them to fund my loan I would need to purchase PPI. My credit score is nearly nonexistent because I don't have a credit history. I've never had credit cards or revolving loans or such things. I transferred the {$75.00} fee to XXXX XXXX as instructed by him. When I asked when the money would be deposited into my checking account he informed me I would need insurance to pay the loan in case something happened to me and I didn't pay the loan. He sent me a message saying it wouldn't require any more money from me. When I got home I got in touch with XXXX XXXX and was told I would need another {$120.00}.. I objected asking about the {$75.00} he now called it a processing fee. I asked him to return the {$75.00} to me and to date I have had nothing processed nor do I have the loan money. I realize I was foolish but I learned a valuable lesson. I would like my {$75.00} refunded from Sun Trust Bank and / or its representative XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$260000.00}
Product: Payday loan, title loan, or personal loan

I did not authorize this loan. Ive disputed this twice with XXXX. XXXX keeps saying information is accurate when its not. On XX/XX/2022 I went to finance a car that is when I was told I have an outstanding balance of XXXX that I need to pay. When I truly have no idea what this company is and what loan was made. Ive already filed identity theft with this company. I just dont understand why XXXX is telling me the information is accurate when I never have done anything with this company
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment, of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to no furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score?

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my free credit reports from the XXXX XXXX XXXX website and after looking through everything, I still see a ton of major errors. Ive disputed these errors myself since XX/XX/XXXX in last year and the credit bureaus failed to delete this wrong information. I sent disputes myself directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and attached proof of my ID and proof of my address. Theyve had ample time and Its unacceptable that even after these reporting companies supposedly did an investigation of these inaccurate and fraudulent accounts, these blatant errors are still sitting on my reports and affecting my ability to purchase a home. Something has to be done and that is why Im filing a complaint. Ive never received any correspondence or proof of verification from the bureaus. I can only see the notes under these inaccurate and inconsistent accounts on my free credit reports The addresses reporting with all 3 credit bureaus are inaccurate. Its really scary to me that theres all this information like addresses that arent mine on my credit reports and the bureaus refuse to delete it. There are multiple inaccurate collection accounts and activity being reported that I know nothing about with company names I know nothing about. ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or even XXXX  XXXX XXXX that reports an undesignated owner ). This is extremely frustrating and I dont see how the bureaus can claim to have investigated these errors but cant provide any verification or proof of how/where theyre getting this information from and they arent deleting this fraudulent and false information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







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

This company has made it impossible for me to resume working for XXXX. I was charged with a XXXX XXXX  and this company quickly reported that pending charge to XXXX. I have been unable to work at XXXX since even though this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my record on XX/XX/year>. I reached out to first advantage who took 30 days to come back and say that the charge was still pending and that their information was accurate. They wanted me to reach out to the courts and provide them with proof it was dropped, even though that is not my job nor should I, the consumer, have to prove my innocence to a reporting company that can not properly report information. My background is totally clear and the charge I was wrongfully charged with was dropped, not dismissed, by the police agency that charged me. I need them to accurately report my information to XXXX so that k may gain my employment back. As I should and would be able to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX , it is  alleged b y Fedloan that I m ade a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after Fedloan reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  Fedloan sent  me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one che ck. When I paid the loan off in full in   XX/XX/XXXX  , I made  one paym ent with  one check to satisfy the remainder of the loan. I made one late payment, it should be reported as such. A prospective employer, landlo rd, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contac ting Fedloan and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a hom e has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year  XX/XX/XXXX . I 've been told by landlords my  credit score is too low . When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimina l investigator w ith some organization. I was so excited that someone might be investigating criminal charges again st Fedloan, I   told all my friend s. One said be  careful, figure out who is contacting you. I googled it and found this organization is actuall y Fedloan! Why would Fedloan send a CRIMINAL investigator to contact me without saying they are from Fedloan? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This is far from closed Fedloan.
Product: Debt collection

This account is reporting on my XXXX credit report for {$96.00} contract date X/2014. I have never been notified of this debt and I have never entered into a contract for services with CCS Collections. I have requested this debt to be verified and validated and I have never received either.