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

XX/XX/19 TransUnion LLC has made it very difficult for me and I would assume many other Americans to make timely purchases by not making available to us the feature on their website ( as promised to us when we signed up for the service ) to " unfreeze '' our credit files online. Without this feature available to consumers. Transunion   requires consumers to send in paperwork ( snail mail ) to their offices and it takes many weeks to get that process completed. By that time in the case of say of an unique antique or used car the item my be lost to another buyer. Time is often of the essence. This is effecting our credit. It is an unfair practice. The other two credit bureaus have no problem identifying me and unfreezing my credit  properly as promised. I expect the same from TransUnion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX account, which appears on my credit report. I believe this account was opened or used fraudulently without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX block this account from being reported to the credit reporting agencies and cease any collection activities related to it. According to the FCRA, you are required to comply with this request within four ( 4 ) business days of receiving my dispute. 

Please find attached the following documents to support my claim of identity theft : A copy of my government-issued ID for verification purposes. 
A copy of my completed Identity Theft Report ( filed with the Federal Trade Commission ). 
Any other supporting evidence, such as proof of residence or correspondence showing that I did not authorize this account. 
I trust you will handle this matter promptly and ensure this fraudulent account is blocked and removed as per the requirements of federal law. Please confirm in writing once the action has been taken or if additional information is required.
Product: Debt collection

The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. Selene Finance personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or orders informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from XXXX XXXX XXXX ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe Selene Finance is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX County Sheriffs Office. The police report case number is : XXXX, the following account, collection account and credit inquiries are fraudulent, unauthorized, arent mine and dont belong to me : XXXX XXXX XXXX Unsecured Personal Loan, XX/XX/XXXX, XXXX XXXX, XXXX, {$960.00}, XX/XX/XXXX, XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats, threats of arrest and being sent to jail and prison, and threats of legal action taken against me for wage garnishment and losing my job from XXXX XXXX, XXXX representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX, XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Product: Credit reporting or other personal consumer reports

When I checked my credit report I saw some inquiries that did not belong to me.
Product: Debt collection

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : BEST EGG XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Account listed on my report does not belong to me. It belongs to my ex-spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Equifax on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet equifax reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through CFPB on XX/XX/XXXX about incorrect information shared on my credit report. All XXXX CRAs claimed they did an investigation yet are still reporting different info. 
It is taken me this long to submit another complaint rather than a dispute because of circumstances that could've been prevented with an accurate credit report. With CRA slander holding me back, I have been stuck in an emotionally abusive relationship. stress from CRAs and debt collectors, which by definition CRA are also debt collectors. 
They have violated my privacy and my RIGHT to XXXX negative credit score, during that period alone caused/heavily contributed to the following chain of events, To be taken as my AFFADAVIT OF TRUTH, My statement of facts 1. High car insurance cost based on credit score/report was unaffordable so I lost it.

2. My automobile, used for all my everyday business and personal errands was damaged in an accident. High cost to fix and it is not drivable.

3. FALSE reports from credit bureaus prevent me from having credit cards to help pay for the damage promptly. It's still damaged in my driveway.

4. No credit card, no rental car 5. With bad credit due to false reporting can't get approved for an affordable automobile 6. I scraped up what I could and purchased an automobile from a private owner for {$1200.00}.

7. It had bald tires that needed to be replaced, once again my negative credit score prevented me from doing so.

8. Due to the bald tires, I was in a car accident I spent XXXX days and XXXX nights in an EMERGENCY ROOM ( not a private room, miserable emergency room ). I have a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Plus another totaled vehicle. 
XXXX. I now have no Vehicle and a Credit report holding me back from getting one Credit is supposed 192 of 1933 a.k.a Public Law 73-10 suspended the gold standard and exempts people from paying their debts since their means of paying their debts was taken away from them and replaced with money substitutes that discharge debts instead of paying themed to be for consumers to discharge the debt.

yet CRA is in cahoots with lenders to keep scores down, and interest rates up and demand these credit transfers be paid back in federal reserve notes although we were never lent XXXX. We the consumers are the true creditors. 
All reports are still inaccurate. They are sharing info I do not consent to.I constantly get emails from all the CRA about " pre-approval '' but when I apply I am denied to CRA. If my signature, according to '' Modern money mechanics '' written by the federal reserve itself states that my signature creates the promissory note then are these companies referred tp me by the CRA, still profiting of my application although I was denied in violation of the equal opportunity act?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX  XXXX XXXX Balance Owed : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection # XXXX  is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Mortgage

My Loan # with PHH Mortgage is XXXX, I was approved for a Forbearance plan last year XX/XX/XXXX by PHH Mortgage, I was given 12 months in the Forbearance and after that the servicing company denied to give me any more extension on the same after XXXX of XXXX, I spoke with the investor of my mortgage which is XXXX XXXX to further investigate the matter as I have no job due to covid crisis, I was told by XXXX XXXX  that I will be able to apply for another 6 months of Forbarence through my servicer which is PHH Mortgage as I have only completed 12 months and the forbarence plan can be given 18 months in total, I again called PHH Mortgage to request extension on my forbarence plan, but I was told that I am not eligible for any more extension on Forbarence Plan. 

I request you to look in to this and help me save my home.
Product: Credit card

i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take NOTICE ... This is my final request to have these deleted 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX off my consumer reports and credit reports... .Each response in this portal will show your ignorance and negligence to the law as not one response addressed the complaint. Each complaint in this portal will be used as record for proceedings that this was to be resolved before you will need to accrue attorney fees for your company. .Delete it or i will be contacting an attorney to sue your company in 10 days or i will file a federal law suit myself. 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

In acordes With The Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX Has violated My Rights.15 U.S.C section 602 A. States I Have the Right To Privacy. 15 U.S.C 1681 SECTION 2 : IT ALSO STATES ACONSUMER REOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute to Equifax regarding several transactions that were furnished as late payments on my consumer report. 

Equifax received my dispute letter see Exhibit A in the attachment below. Certified mail number XXXX XXXX XXXX XXXX XXXX experience failed to reply to me and the 30-day time that is given by law. 

On XX/XX/XXXX, I mailed a second dispute to Equifax, in regards to their failure to comply with the FCRA 15 USC 1681i ( a ) ( 1 ) ( A ) and demanded to delete the inaccurate or unverifiable information being furnished on my consumer report pursuant to 15 USC 1681i ( 5 ) ( A ). 

Equifax received my dispute letter see Exhibit B in the attachment below. Certified mail number XXXX XXXX XXXX XXXX XXXX. 


15 USC 1681a speaks on the accuracy of the consumer report, and 15 USC 1681e ( b ) speaks on a consumer reporting agency furnishing accurate consumer reports ; accuracy means all values are correct. 

Equifax did not reply to my dispute. 
I requested a reinvestigation of the disputed item 15 us 1681i For a payment to be treated as late 15 USC 1666b requirements and compliance must be met!

( 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.

Requirements : 1 ) Periodic statements including ; 2 ) the information required by section 1637 ( b ) 3 ) Notice mailed out no later than 21 days before payment due date I requested proof of the above pursuant rule 1002 For Equifax to furnish a payment as late they must have evidence of the requirements that 15 USC 1666b requires.

I have requested the information for compliance pursuant to 15 USC 1666b and Equifax did not respond. It has been over 30 days which is the reasonable time allotted by law.

15 usc 1681i ( a ) ( 1 ) ( A ) states that information that can not be verified as accurate or complete must be deleted in 30 days ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
See case law Cushman v. Trans Union Corp., 920 F. Supp. 80 ( E.D. Pa. 1996 )
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Frozen Bank of America Checking Account Dear Sir/Madam , I am writing to file a formal complaint against Bank of America concerning my checking account, which has been frozen due to alleged suspicious activity. The lack of communication and transparency from the bank has not only caused significant financial inconvenience but has also adversely impacted my financial reputation. 

My checking account number is will be provided when asked. I first noticed the issue when several payments I made were returned, despite my account showing an available balance. These returned payments have resulted in numerous fees from external creditors and have damaged my financial standing. 

Upon contacting Bank of America to understand the situation XX/XX/XXXX, I was informed that my account was frozen but was given no further explanation. I was repeatedly told that an investigator would contact me, but I have received no calls, emails, or any form of communication from the bank. 

I assure you that all transactions made through my account are legitimate, and I am more than willing to provide justification for any transaction that the bank may have questions about. However, without specific information on which transactions are considered suspicious or the trigger for this action, I am unable to address the bank 's concerns effectively. 

The lack of communication and transparency from Bank of America is not only distressing but also goes against the principles of fair banking practices. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

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

I would like to report XXXX XXXX XXXX XXXX XXXX due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/ 2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did, as a result, they're telling me they're no longer investigating on this matter.
Product: Credit reporting or other personal consumer reports

I've pleaded with the CRA 's to stop inaccurately reporting this account to my consumer profile. This debt has been discharged, per the remarks on my report the creditor has stated this account is profit/loss and has been reported to the IRS The continuous reporting of a charged-off account as " updated '' each month by the is in violation of Section 623.

FCRA requires furnishers of information to report accurately. Once an account is charged off, it represents a final status, and updating it monthly can mislead creditors by making the account appear more recent or active than it is, which is inaccurate reporting.

This account is no valid and is now considered income. income can not be reported to a consumer profile. The 1099c has been issued and this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is Violating FCRA 15usc1681a ( 2 ) ( a ) ( i ) Transactions and Experience Exclusion. I have called them several times often time speaking to senior account manager no resolution Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding accts: XXXX, XXXX, XXXX, XXXX

I'm finding this absolutely impossible to deal with Experian and their investigation into my disputes. I received a response stating that they investigated my claim and that the "data furnisher verified" this. I'm going to point out the specific laws that protect me against this abuse from the CRA's and that Congressional opinion clearly states that the statutes do not allow for the CRA's to merely parrot what they're being told! 

How were my disputes handled? 
How were my accounts verified? 
How was an independent investigation done? 
Where's the documentation that verifies this is reporting accurately? 
Why do they think that it's ok to violate my rights?
Why isn't anyone holding them accountable? Are you supposed to? 

Direct text from XXXX V XXXX XX/XX/XXXX:
"A consumer alleging that no reasonable investigation has taken place has a separate claim pursuant ot 1681(a)": 
No investigation was done at all. No reinvestigation was done at all. No independent investigation was done at all. If that were so, they'd have documentation to back this up instead of just telling me to go away because they don't feel like doing their job! 

Regarding the language in 1681(i)a, "the statute places the burden of investigation squarely on the credit reporting agency". 
This means that it's THEIR responsibility to determine the accuracy of the negative item that was disputed. They must perform their OWN investigation. If I took them to court, they'd need to prove to said court that an investigation even took place, a reinvestigation took place, an independent investigation took place and that they had the paperwork physically in their hands to make this determination. 

"We also agree....that the plain language of the statute places the burden of reinvestigation on the credit reporting agencies" and that they "bear grave responsibility" to ensure the accuracy of the information... The grave responsibility emposed by 1681(i)a must consist of something more than merely parroting information received from the other sources. Therefore, the "reinvestigation" that merely shifts the burden back to the consumer and credit grantor cannot fulfill the obligations contemplated by this statute".
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the XXXX  data breach.