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

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. When corporations sell my information to corporations, as such is the case with Lexis Nexis XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. 15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Product: Credit reporting or other personal consumer reports

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old XXXX bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

XXXX  ACCT # : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

( XXXX ) XXXX you have No Standing in using my identification.

( 2 ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the U.S. Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. Transuion just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. Transuion remove XXXX student loans off my credit report in 4 days. 

( 4 ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and XXXX responded with tell her to contact the Default Resoution Group.. XXXX just you mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

XXXX your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX remove yourself off my credit reports immediately with in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, removing these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY 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
Product: Credit reporting

My Equifax and XXXX reports are saying that I am utilizing over half of the available credit I have, because they are reporting that XXXX of my cards that have a zero balance, still have the balance prior to my paying them. What 's odd is that right after I paid these XXXX cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.
Product: Checking or savings account

My PNC account was placed on a hold on XXXX XXXX. I called and asked why and no one would answer me and told me to go to a branch. on XX/XX/XXXX I went to a branch of the bank and again no one could assist me with the problem or answer any questions. I then called PNC again on XX/XX/XXXX and could once again get no answers as to why there was a hold on my account and that it could take XXXX or more days to review. PNC is holding my money for ransom without giving me any help or reason for doing so.
Product: Checking or savings account

Well approximately the date was XXXX was on my phone talking to my sister on XXXX  got a email notifying me that someone had logged into my bank account account at XXXXXXXX XXXX. that day and shortly afterwards about XXXX they had transferred {$370.00} from my credit card to my checking account and took out {$400.00} I am a XXXX woman on XXXX that was my XXXX money that they took all that I have left was {$10.00} in my account please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to temporarily lift my credit freeze with Experian. I was not able to do so in a timely manner which could cause me to miss out on a home refinance that has been approved and could save me thousands of dollars. Experian would not let me execute the temporary lift over the phone or Internet. They are requiring that I send in the request via mail. My home refinance is supposed to close on XX/XX/2020 but the bank cant close until they pull my credit report again. Again, because of Experian this may not happen. The other two credit bureaus have processed the temporary lift.
Product: Debt collection

I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.
Product: Debt collection

This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.
Product: Mortgage

Here is my situation. I bought a property in XX/XX/XXXX that was appraised at {$420000.00}, and put down XXXX. I refinanced that property in XX/XX/XXXX and it was appraised at {$400000.00}, which I questioned because the comparables were stick built and my building is concrete and steel.. The refinance was approved. 
My current mortgage balance is approximately XXXX. 
At this time, similar properties in this building are listed and selling for XXXX to XXXX. 
I have been patiently waiting for the value to return to this property and figured that in XX/XX/XXXX that would be the bottom, but obviously it is at a new low. 
I feel like I was taken advantage of by this practice of over inflating the appraisal and poorly trained lender or bank staffDo I have a case for principal reduction. I have contacted the lender, Wells Fargo, and no response. 
How do I proceed from here. 

Thank you for your time.
Product: Debt collection

Got a notice in the mail from Nathan and Nathan P.C. regarding XXXX for the amount of {$6500.00} during this time I had became XXXX  and the debt had XXXX  insurance I do not owe this bill and Nathan and Nathan is trying to collect on a debt that is more than 10 years old. The statue of limitations for the state of MS is 3 years this is going into the 9th or 10 year. Company is breaking the law. I have not heard anything regarding this in nearly 10 years I am XXXX and unemployed. I have not worked in nearly 10 years. This is like prying on the XXXX  because they know I am not working and I do not owe this debt why after nearly 10 years they trying to collect on a bill that the statue of limitation for the state of MS is 3 years this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX charged what was my XXXX XXXX Credit Card {$5.00}. I didn't realize there had been a charge, didn't receive any correspondence from XXXX XXXX in form of a credit card statement, phone call or email stating I owed money. I happened to check my credit report and noticed I had a negative mark for being over 30 days late by {$5.00}. I called the credit card company, now owned by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  and XXXX, all at which XXXX XXXX XXXX XXXX said they would submit a letter to the three credit bureaus stating that this was their fault and to remove the negative remark. The letters were submitted, nothing was done by the credit bureaus accept them saying the {$5.00} was owed but had been since paid. I opened up disputes with the credit bureaus, but nothing has been done. Each time the credit bureaus say there is nothing they can do. This has dropped by credit score significantly and will remain on my credit report and husband 's credit report for seven years. We have/ had credit scores at XXXX. Now my report is down to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I requested my consumer reports from Lexisnexis and received a notice that I didn't upload enough information in the online request even though the data matches all my details and there are no fields online to upload documentation. I was denied access to my consumer report and was sent a stalling letter claiming that Lexisnexis was " unable to process request ''. 

On XX/XX/2023, I requested my verified and unverified consumer reports from Lexisnexis and they sent me the unverified records that do not give me full access to my consumer record and or details maintained within their database. I am being denied access to my own information
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/Drivetime is reporting inaccurate information on my credit report making it look like the account is in negative standing. However, this account was paid in full, partially by my insurance company and the remaining balance with the GAP insurance that was included when I purchased the vehicle. This vehicle was totaled in XX/XX/2021, payments were made up until that point on the vehicle on time and then insurance took over. However, they're reporting that since it took so long for XXXX ( Gap insurance ) to issue them a check that I was delinquent. XXXX is a partner company with XXXX XXXX/Drivetime, so I am not responsible for issuing the checks. Since they're a partner company, they should have maintained contact with them and got their check in an efficient manner.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their refusal to update and delete old, inaccurate addresses from my credit file, despite multiple attempts to correct this information. 

I have made numerous efforts to address this issue by sending letters and updating my address online through Experian 's website. Despite my persistent efforts, Experian has failed to remove the outdated and incorrect addresses from my credit file. This failure to maintain accurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. 

My only and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX I'm requesting that Experian DELETE AND REMOVE the following inaccurate addresses from my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/24 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax , TransUnion, and Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Equifax, TransUnion, and Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681i ( d ) ( 2 ) ( I ), 15 U.S.C. 1681b, and 15 U.S.C. 1681o, through negligent investigation practices and unauthorized credit reporting activities. 



Violations and Issues 1. Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( d ) ( 2 ) ( I ) ) I have disputed inaccurate information on my credit reports with all three major credit bureaus. Despite providing sufficient evidence, the bureaus failed to conduct a reasonable and thorough reinvestigation as required by law. 

They either refused to correct the errors or verified inaccurate information without proper validation. 

Their failure to reinvestigate my dispute in good faith has directly harmed my creditworthiness. 

2. Unauthorized Access to My Credit Report ( 15 U.S.C. 1681b ) My credit report has been accessed by entities that did not have a permissible purpose under the FCRA. 

The credit bureaus have failed to prevent or rectify these unauthorized inquiries, despite my direct disputes. 

3. Civil Liability for Negligence ( 15 U.S.C. 1681o ) Due to their negligence in investigating and correcting inaccurate data, the credit bureaus have caused financial and reputational damage. 

I have suffered from [ mention specific damages, such as loan denials, higher interest rates, emotional distress, or loss of financial opportunities ] due to their noncompliance. 



Requested Actions I request that the CFPB investigate these violations and hold Equifax, TransUnion, and Experian accountable for their negligent and unlawful actions. Specifically, I ask that the following actions be taken : 1. Immediate and thorough reinvestigation of my disputes in compliance with 15 U.S.C. 1681i. 

2. Removal or correction of all inaccurate and unverifiable information on my credit reports. 

3. Elimination of unauthorized credit inquiries that violate 15 U.S.C. 1681b. 

4. Possible legal and financial penalties for noncompliance under 15 U.S.C. 1681o. 



Supporting Evidence I have attached copies of my dispute letters, credit reports, responses from the credit bureaus, and any other relevant documentation to support my claim. 



I appreciate your prompt attention to this matter. Please provide me with updates regarding the status of my complaint. If necessary, I am prepared to escalate this issue legally to ensure compliance with the Fair Credit Reporting Act and protect my consumer rights. 



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

On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.
Product: Credit card

I closed my credit card with CapitalOne in XX/XX/year>. CapitalOne, however, kept my account open for an additional two months submitting incorrect data to credit bureaus that I was late on my payment, and charging me late fees, and interest. I contacted CapitalOne in XXXX as soon as I saw my credit score drop by over XXXX points. The representative over the call confirmed the error and promised that CapitalOne would close my account, waive all fees, and submit corrections to the credit agencies. The representative also asked for me to call back in a week to request CapitalOne mail. When I called back, I was told that I needed to mail a written letter and the correction documents would take another 6 weeks. CapitalOne has failed to provide adequate support to correct the error made by them.
Product: Credit reporting or other personal consumer reports

I requested this account be updated to reflect the fact that it was closed. XXXX had already sent them information verifying the account was closed. The account still shows it is an open account and the system will not allow me to dispute it.
Product: Debt collection

The account XXXX XXXX  with the account number XXXX is said to be a collection account that was sold to Source Receivables Management with the same account number showing on my report. This collection account were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. This particular collection account should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. This should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
Product: Debt collection

This company purchased I debt Im assuming I have never heard of this company no letter no validation no phone this debt was purchased by them in XXXX and without reaching out to me decided to place it on my credit.

To Whom It May Concern : This letter serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding the alleged debt you are attempting to collect. I hereby request that you cease all forms of communication with me in relation to this matter, including by phone, mail, or any other means.

In addition, I formally request the immediate deletion of the collection account associated with the alleged debt from all consumer credit reporting agencies. You are required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., to report only accurate and verifiable information. If you can not provide documented evidence of the validity of this debtincluding the original creditor, account number, and detailed payment historyI demand that you remove the collection account from all credit bureaus to which it has been reported.

If this account is being reported in error, is unverifiable, or has exceeded the reporting time limit under the FCRA ( typically 7 years from the date of first delinquency ), you must take immediate corrective action.

Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue legal remedies under federal and state law.

Please confirm in writing within 30 days that all collection efforts have ceased and that the account has been removed from all consumer reporting agencies.

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

I was a part of equifax data breach And under 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). 
The FCRA 's purpose is to : Promote the accuracy, fairness, and privacy of personal information Govern access to consumer credit report records Ensure that consumer reporting agencies act fairly and impartially The section includes the following findings : The banking system relies on fair and accurate credit reporting Inaccurate credit reports can make the banking system less efficient Unfair credit reporting methods can undermine public confidence The FCRA defines a consumer report as any communication that a Credit Reporting Agency ( CRA ) provides about a consumer 's : Credit worthiness, Credit standing, Credit capacity, Character, General reputation, Personal characteristics, and Mode of living.

15 U.S.C. 1681e includes compliance procedures for credit reporting agencies, such as so I hope these things get removed quickly