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

The loan being reported as closed on my XXXX report with 9 missed payments was reporting being serviced by dept of education XXXX on my XXXX credit report on the dates you report to have had my loan with nelnet. Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my XXXX and XXXX credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting my credit card late 60 days on equifax credit report i've never been 60 days late i've paid the card off in full every month this late payment info is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank said I owed XXXX dispute this is fraudulent in it not mine
Product: Debt collection

PMAB has several collections on my credit reports. But I had no idea until I saw my credit report. I never heard of them and do not know anything about these. I do not feel it is legal to simply put bad information on my credit report without contacting me first and allowing me fair chance to agree or disagree, and then if agree to pay it so it does not go on my credit reports
Product: Credit card or prepaid card

received a text about my membership being paid by my credit card at sam 's club. the charge was for membership, which i was going to do today, XX/XX/21, but was going to use my cash back as ive always done, i did not make or authorize this payment, i admit i got XXXX  on the phone with the rXXXX as he said he couldnt help, seems od to me as if the charge was illegal to me, why cant they remove it? 
sams club XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX under XXXX XXXX. 

Despite multiple requests for correction XX/XX/year> and XX/XX/year>, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Both XXXX and XXXX removed the late payment from my credit report after confirming it was incorrectly reported by XXXX XXXX. However, TransUnion continues to report it inaccurately, negatively affecting my credit score. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

RESOLUCION Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.
Product: Credit reporting

I have applied for a mortgage with Rhode Island housing. They have been unable to finalize my loan because Equifax has a freeze on my Equifax credit report. I have called and they advised me I would need to send my Driver License and copy of my SSN card to verify my information. I faxed over per there request multiple times and sent it with mail confirmation. They have stated they can not read my license. They ca n't tell me if they received the mail copy even though I have confirmation they received it. They will not allow me to email the information directly to someone. Every time I call them state the license is unreadable and the only option they give is to mail it. I have been trying to contact customer service now for over a week and unable to get someone on the phone, In the meantime I can not proceed with the mortgage until they unlock this issue.
Product: Mortgage

I contacted the company for a Home Equity Loan in early XX/XX/XXXX. They asked me for specific information including providing W2s, Paystubs, Mortgage statements, drivers licenses, homeowners insurance and additional information necessary to conditionally approve my application and forward to underwriting. They ran a `` Drive By Appraisal '' which I paid {$180.00} for and was significantly lower than the Market Comps ( appraised for {$390000.00} ). They asked me to send Market Comps and they would share with Underwriting - I also shared a full appraisal when I refinanced my first mortgage with XXXX XXXX last year which was appraised at {$420000.00}. I provided that last week and they are now not responding to any e-mails. I believe this company may be unfairly deceiving consumers to generate appraisal fees as a revenue stream. In fact, I applied for a similar loan with XXXX, and the process was streamlined and they ran a Desktop Appraisal which was consistent with the Market Comps ( {$440000.00} XXXX.
Product: Credit reporting

I have been working with a consumer financial educational consulting service to improve my credit scores at XXXX major credit reporting bureaus, Equifax, XXXX, and XXXX. In general I have had good service. However, in comparing information from all XXXX bureaus, I noticed a conspicuous absence of XXXX successful, perfect paid, accounts from the Equifax report, that were reported on the other XXXX bureaus. In Equifax 's notes at the end of my report, they say that the number of derogatory account exceeds my successful accounts, AND THIS IS ONE ITEM THAT EFFECTS MY CREDIT SCORE. 
So, moving forward I telephoned each of the XXXX past creditors to inquire if they report to all the credit bureaus. XXXX of these was XXXX XXXX XXXX, and the other was XXXX XXXX. Both lenders said that they absolutely report to the XXXX major bureaus, the fourth being XXXX, and gave me their very strict reporting on the timing of submissions. 
I wrote Equifax on XXXX XXXX and again on XXXX XXXX, and have been ignored on this issue. I know they received my correspondence because I sent the complaint along with other requests for outside verification, which were affirmatively responded to. I quote the letter of XX/XX/XXXX : " EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ACCOUNT & XXXX UNRESOLVED ISSUE -- -- -- -- - -- -- -- -- PREVIOUSLY UNRESOLVED ISSUE I have previously written you that someone in your bureau has, inadvertently or intentionally, acted to defraud my credit, by deleting histories of XXXX successfully paid accounts. I show them below and verified : I have XXXX successfully paid off automobile loans that should remain on my credit file history for 10 years after the last payment. 
XXXX is with XXXX XXXX XXXX XXXX with never a late payment from XX/XX/XXXX - XX/XX/XXXX. 
The other is with XXXX XXXX XXXX with no late payments from XX/XX/XXXX - XX/XX/XXXX. 
When I noticed the conspicuous absence of your bureau 's reports of these, when viewing a merged credit report, I telephoned both of the above lenders to verify my accounts, and to verify that both agencies report to XXXX MAJOR CREDIT BUREAUS, and of course, yours is one of these. 
I want these positive accounts restored to my credit history as soon as possible. 
Your prompt response is required. 
Sincerely, ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXt number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Bank Of America
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish 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 ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4500.00} XXXX Card Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX 2021
Product: Payday loan, title loan, or personal loan

I contacted this company to settle the debts. I was told that they would contact the financial institution and get back to me. I have not heard from them and i received another letter in the mail with the wrong debt amount. The new balance is much higher. This account is closed and was charged off last year. There shouldnt be any new interest. The first time I received a collection bill was around XXXX of XXXX and the amount was {$3800.00}. The most recent bill was receive on XX/XX/XXXX and the amount was {$4500.00}
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX has violated my rights. Or 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
0 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: Debt collection

As a victim of fraud, I open a dispute of a deb in collections with XXXX  and after 30 days they decline my dispute alleged as VERIFIED AS ACCURATE, since I dont recognize that deb as mine, I contacted the collection agency directly to find out more information directly from them, and for my surprise they dont have any information as a third party directly, they represent a law firm which is not the one reporting the deb to the Major Bureaus which under FTC is an illegal practices. they offer me a phone number to call directly the law firm whose handling the case. 
As soon I hang up with them I contact XXXX  to let them know my conversation and I request to speak directly with a supervisor to take action on my favor and remove that inaccurate information from my report as soon as possible since they have to report 100 % accurate information but he told me that XXXX  can not remove the information even when they verified by phone the violation.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these XXXX mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding the reporting of my student loan information, which I believe is in violation of 20 USC 1232g ( b ). According to the Family Educational Rights and Privacy Act ( FERPA ), also known as 20 USC 1232g, educational institutions are required to protect the privacy of student education records. Specifically, 20 USC 1232g ( b ) states that institutions must obtain written consent from the student before disclosing any personally identifiable information from their education records. However, it has come to my attention that my student loan information has been shared with third-party entities without my explicit consent. This unauthorized disclosure of my personal information is not only a breach of my privacy rights but also a violation of the aforementioned federal law. I request that you thoroughly investigate this matter and take appropriate actions to rectify the situation. Specifically, I would like you to ensure that my student loan information is no longer shared with any unauthorized third parties and that proper consent procedures are implemented to comply with 20 USC 1232g ( b ) moving forward. Moreover, I kindly request that you provide me with a detailed explanation of how this violation occurred and what measures will be taken to prevent similar incidents in the future. Transparency and accountability are crucial in addressing this issue effectively. I trust that you will handle this matter with the utmost seriousness and urgency it deserves. Please removing any and all reporting to my credit report. There was no written, verbal or oral consent giving to disclose my information to any third parties or affiliated reporting and processing companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.
Product: Checking or savings account

I was a customer between XXXX and XXXX and I am part of the lawsuit and was never compensated
Product: Debt collection

I signed a six-month contract at XXXX in XXXX, Massachusetts, and kept my copy of the contract, on which the manager had hand-written and initialed " 6-month contract ''. After six months, I attempted to cancel the account, and found out that the gym manager had later checked off " 12 months '' on the contract. The gym continues to send bills for increasing late fees, and debt collection notices. When I contact the gym, they say " I only work here - you have to contact our billing agency, ABC Financial. '' When I contact ABC Financial, they say " Our documents indicate that you have a 12-month contract. IF you have a dispute, you should take that up with the gym. '' At the gym, I was told that the manager who falsified my contract no longer works there, and that they ca n't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

filed a dispute on XX/XX/18 about a charge I was declining because the service was not done. I informed Wells Fargo I did not want to pay the vendor but they will not refund my money. XXXX corporate sent me to another dealership since XXXX would no longer service my vehicle. The 2nd dealership found the problem and repaired it at no cost since the car is under warranty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N. THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}