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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Mortgage

The reason I am filing this complaint is due to the fact that I believe that I am not being given proper consideration to avoid foreclosure on my home. I initially attempted to seek all retention programs in effort to keep my home but was advised by SLS that my account is not approved for consideration and could not supply any financial information to be reviewed for an option to keep my home such as a modification. However, I was told that they would allow me to sell my property through a short sale program. I followed their instructions and listed my property for sale. As of XX/XX/ I received over 6 offers on my property however ; SLS refuses to allow us to the opportunity to submit them although they specifically told me that they would consider all offers provided I list my property for sale. This is devastating to me because I already felt I was forced to sell my home due to the fact that they would not review any documentation for consideration of a retention program especially given that I wanted to keep my home and can afford it. My hardship has been fully resolved. So, to get to a point acquiring several offers to be only told they would not be considered is a huge blow. 

As it stands, we have a full priced offer at {$680000.00} and I am requesting that SLS allow my respective listing agent to submit the offer to the short sale department for consideration.
Product: Mortgage

Wells Fargo holds in escrow funds to pay our taxes and insurance. They have an error in their system and have failed to pay our home property taxes and homeowners insurance. Repeated calls to both local and mortgage center are unable to resolve the problem. Wells Fargo is collecting 3 time the amount of funds due to pay the taxes and insurance. We just received a letter from Wells Fargo that states they will be raising our mortgage payment because our taxes are unpaid. When we call the mortgage service center they state they can only make a note in the file and place a work order to correct the problem.
Product: Credit reporting or other personal consumer reports

I filed my second dispute with Experian requesting re-investigation into an existing issue. They received my documentation by certified mail on XX/XX/XXXX. ( Document provided ). Generic response information was emailed to me claiming they were investigating my dispute. 
All of the accounts were modified and still ALL incorrect after they updated the balances. 
I brought this to their attention even using the CFPB and FTC for accountability and timely response purposes. 
ON XX/XX/XXXX I called Experian after not receiving any response in the 30 days they indicated. The representative claimed that " yes '' they were aware of and received my dispute by certified mail but due to a system error, they never processed the dispute. 
I requested a Supervisor and she said I would receive a call in 24 to 48 hours. 
I never received a call. 
Also the next day a response was provided to the CFPB that the accounts were verified as accurate despite the fact that agent told me they never processed the dispute.

Agent asked if I wanted to dispute over the phone with her on the call. I made it very clear that I will not be disputing over the phone and that they are negligent in handling the original dispute. I will wait for the supervisor to call and file a complaint and get an explanation as to why my dispute was never processed. 

[ XXXX XXXX # XXXX Supervisor will call back within 24 to 48 hours. 
XX/XX/XXXX Experian representative admits they received my dispute but never actually processed the dispute due to system error and that I have to dispute again. 
Experian then responded to the XXXX  that they contacted the furnisher and the accounts came back verified ]. 

Experian lied to XXXX  and FTC about an investigation that they admitted to me on a recorded phone call, that they never processed. 
I am re-submitting all proof of errors including a recent/current copy of my credit report proving that all the errors are still there. 
I require all XXXX XXXX  accounts to be deleted off my consumer profile immediately. 
Per 1681s-2a & B.

Experian is in clear violation of FCRA guidelines and I have proof they lied to TWO Government agencies regarding dispute results. 

All documentation shall be reviewed by legal counsel to confirm if the law has been broken. 

Additional 60 day time request shall not be accepted. Expedite deletion upon proof of receipt of documented proof of error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

On the previous CFPB Complaint, XXXX XXXX XXXX XXXX FALSELY stated " Resurgent and the Current Owner comply with all applicable regulatory and licensing requirements in each state where they operate. Specific information regarding licensing can be found on the appropriate regulators website. '' A simple search on the XXXX of the XXXX 's website will show the exact opposite. Schreiber Law , LLC was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the XXXX of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the XXXX of XXXX Schreiber Law , LLC, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX are all attempting to collect an alleged debt for XXXX XXXX Bank, XXXX. at the same exact time. Resurgent is attempting to circumvent the CFPB 's response time limit along with the 30 Day Demand Letter 's timely manner to respond ; the 30 Day Demand Letter was submitted via the CFPB on XXXX XX/XX/XXXX and the final date to correct their improper and deceptive practices will remain as XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Collection Agency ( TRIDENT ASSET MANAGEMENT ) Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, GA XXXX Amount alleged owed {$2100.00} ( XXXX ) XXXX Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( TRIDENT ASSET MANAGEMENT ) And ( XXXX ) Credit Bureau about four-six times. I  have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( XXXX  ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 I received a letter from Provident Funding Associates , LP indicating that they have not received my mortgage payment that was due on XX/XX/2022 and I have a late charge of {$34.00}. I have a cancelled check indicating that I paid XXXX 's payment early on XX/XX/2022. I will write to them within 30 days to let them know. 
The problem is, that they did this to me on XX/XX/2022, when they claimed that I did not make a payment. I sent a letter with proof that I already paid, but they said that I didn't and so I paid the late charge in order to keep my excellent credit rating. 
For over ten years, I have paid my mortgage a month ahead and there was never a problem before this year.
Product: Checking or savings account

I had an online savings account with Vio Bank. At some point, this account was closed. 

I called them to get information on the last transaction or disposition of the account, and they told me that they could not provide me with that information. I tried logging into my online account, and gave them my username, which then has a popup to verify my account by texting me at my mobile phone. I received the account code and tried to log in and it said that I needed to check my cookie setting. Which is wrong. 

So I called them to see if I had closed the account, or if it had been closed because of inactivity or something. They verified my information, but then told me that I had no account and they could not tell me when my account was closed or how it was, but that they would never close an account if it had a balance in it. I told them that wasn't true, there are state escheat laws that could require them to forfeit an account to a state under some circumstances. They said nevertheless they had no information and could not retrieve anything, but were sure I would have gotten my money from the account. 

it is possible that I even closed it, but in order to ensure that the money came to me, I want to be certain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Department of Education loans was transferred from XXXX reporting inaccurate information on credit bureau reports with XXXX XXXX XXXX and Experian. 
The credit report indicates the former servicer XXXX on all three credit bureau reports and does not indicate that the federal student loans are in forbearance by the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX  {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts XXXX I didn't receive a response from the agencies regarding these accounts.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX There are several potential FCRA ( Fair Credit Reporting Act ) violations. The FCRA mandates that credit reports be accurate, complete, and up-to-date. Under FCRA law I demand these inaccurate accounts be deleted today. Here 's a breakdown of the potential violations based on the discrepancies : XXXX. Date Opened Discrepancy TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : FCRA XXXX XXXX requires that information on a credit report be accurate. The difference in the date opened could suggest inaccurate reporting. If the account was opened on XXXX date, all XXXX should reflect this consistently. 
XXXX. Date Last Active Discrepancy TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : FCRA XXXX XXXX requires that information be current and accurate. A discrepancy in the date last active could misrepresent the account 's status and payment history. If the account was last active on a certain date, this should be consistent across all reports. 
XXXX. Last Reported Date Discrepancy TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : The difference in the last reported date is minor but can be indicative of potential issues with data synchronization or accuracy. All dates should be consistent to ensure accuracy in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint on Transunion, XXXX, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, Transunion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that I should have seen 4 removals on my XXXX report, that should help update my credit report and score, but I have pulled my most recent reports, and I do not see any such removals taking place, which leaves me to believe that this is misleading or the credit bureaus are not responding to the updates that are required to take place.
Product: Debt collection

I paid off this debt on XX/XX/2019Confirmation number XXXXI confirmed with XXXX  XXXX my account had a XXXX  balance. But the collection agency is refusing to update my credit report.  I tried disputing it with XXXX  but they are still reporting it as owed
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have satisfied the following accounts with the following companies and as a result was notified that these accounts would since be removed from my credit report as a Good Faith. These accounts are yet to be removed from my credit file. I request these accounts be Verified through a replicable source outside of the e-Oscar SysteXXXX and removed from my credit report as they no longer pertain to me Due to the debt being satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following inquiries : XXXX XXXX ; EXPERIAN 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 or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with Consumerinfo.com XXXX XXXX regarding XXXX ( XXXX ) unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I emphasized the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit reporting

I have been trying to apply for college loans and have been unsuccessful. Upon inquiring about my credit score, I have found XXXX different times when there are large charges under my name from the following companies : XXXX ( XXXX ), XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand all hard inquiries and the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did no give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX