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

I

am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains
inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal

disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Student loan

According to 15 USC 6802 ( b ) You are by law, to notify me or give me a warning if you were going to place any information on my Conumer Crefit Report. I was by law supposed to be given 3 warnings that this information was going to be put on my Credit Report. I would also like to see the in writing the proof that they gave me 3 notifitcations that this was going to be reported to the credit agencies. By law, you have 30 days to provide the documentation I have asked for. 
Thank you for your assistance. 
Sincerely, XXXX XXXX According to 15 USC 6802 ( b ) You are by law, to notify me or give me a warning if you were going to place any information on my Conumer Crefit Report. I was by law supposed to be given 3 warnings that this information was going to be put on my Credit Report. I would also like to see the in writing the proof that they gave me 3 notifitcations that this was going to be reported to the credit agencies. By law, you have 30 days to provide the documentation I have asked for.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one XXXX  the others shall follow suit and remove as well 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 am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018
Product: Mortgage

Bank of America has repeatedly denied taking my payment. Were are in litigation and have been for over a year. Payments are still due yet they refuse to take my payment when I call. They revoked my online access to make payments. My hands are tied here and requesting help. This is insanity.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXXXXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

JP Morgan Chase keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Mortgage

I retained a real-estate agent to help me finance a home. I decided to buy one that was up for sale. The agent attempted to help me get financed. My credit score was too low. However, the agent insisted there was someone they knew that would get me financed. I explained to the agent that I no longer wanted the home due to my credit score. I was not able to get approved by several banks. Nevertheless, the agent insisted I would be approved by the new year of 2018. Happily, 2018 I was approved. The amount of the home went up approximately {$100000.00}, the interest rate went to a 5.25 % and works on the defects of the home ceased. When I called the realtor to report defects that were to have been repaired etc. I was told, " Well, it's your house now. '' The realtor returned to a vehicle and drove off laughing. I began to cry. 
Nevertheless, I keep my word and paid the mortgage monthly. One month before moving in, after beginning repair of hidden defects, the company began calling stating I was behind on the mortgage when the mortgage was not due until two months later ; they had sold the loan to another company who also stated I was behind on my mortgage. This continues for approx XXXX. I wondered where my money went. So I retained an attorney. Monthly fee was {$1800.00} a month. This attorney told me NOT to pay the mortgage. It lasts 22 months. Now the loan is greater than {$100000.00} behind and the company placed the home in pre-foreclosure. I want to keep my home. I am a XXXX XXXX XXXX, XXXX with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies continue to report incorrect information on my consumer report. The addresses, the names, the phone numbers, and the personal statements are NOT accurate. I have been a victim of identity theft, I have submitted the report, and the CRA 's will NOT remove the information and will NOT report the correct information. I am submitting a copy of Affidavit, current drivers license, and a copy of the misrepresented information that XXXX has on my report. It is a PURE disgrace for lenders and creditors to depend on the agencies, yet their information isn't factual. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that the CRA 's have reported inaccurate information. This inaccurate information is unfair to me because I was never notified when the inaccurate information was furnished, and I was never notified that they were going to report this incorrect information. This grave error has undermined my confidence in the CRA 's procedures.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian Accounts XXXX. XXXX XXXX Account XXXX : XXXX Amount {$680.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount {$4600.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$3800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX {$2300.00} XXXX XXXX XXXX XXXX  Account Number : XXXX {$210.00} XXXX. XXXX XXXX XXXX Account Number : XXXX {$1100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX {$180.00} XXXX. XXXX XXXX Account Number : XXXX {$130.00} XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX {$11000.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 XXXX XXXXXXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a credit item that i can't identify on my credit report XX/XX/2018 which is a violation of the FCRA 30 days law with Trans Union in regards to file number XXXX reported by a collection agency in the name of XXXX and have not got a response as of today XX/XX/2018 i request a contact of this item or for it to be removed. 

Thank you, for your prompt response.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/2024 To whom It May Concern, On XX/XX/2024 I looked at my report. I sent a letter to Experian, XXXX, XXXX on XX/XX/2024 asking them to re-investigate these accounts : XXXX and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same.

and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate.

( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX