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

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Your agency is in violation!

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. 
Delete this at once!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, two credit cards were attempted to be opened at Avant bank in my name. These were fraudulent attempts, and were not made by me. I contacted Avant to get them removed from my credit history and was told that they marked them fraudulent and they would be removed and that I had to wait 90 days. I still see one of the two credit inquired from Avant that has not been removed.
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 XXXX XXXX XXXX XXXX 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: Mortgage

Hi, It starts with my mom dying on XXXX  morning XX/XX/2017. This was totally unexpected despite her age of XXXX. After working on her bills, we found no money and a few bills that she had kept up with. We found a checking account with Wells Fargo and a home equity line of credit that was used up to XXXX. We were and are so surprised she would do this and not mention anything to my brother or myself. I don't believe she ever thought it was tied to her house. She loved her house! My Father built it by himself a little after he was released from the XXXX when XXXX ended. The Line of credit was pushed on her by Wells Fargo and she thought it was a credit card I'm sure. She was dead but a month when Wells Fargo started leaving messages on the door that they were changing the locks.I called the Police because I thought we were being scammed. I couldn't believe this was happening!! Being locked out of my Mothers house with all personal things inside. This line of credit that was pushed on her was to be paid back by XXXX. Anyone would know she would be dead by then but the house would be there for the taking. When she died they wasted no time trying to do so.When we called they referred to the house as being there house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've now submitted 3 letters notifying credit bureau this account is inaccurate and does not belong to me. I filed a complaint with CFPB on XX/XX/21. I received a letter stating the account was verified and also received a response from them on my CFPB portal with a file that had inaccurate information. that employer information on that file is not accurate and disagree with the results. 

I don't understand how some the personal information that is on this file was given to an outside collection company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Subject : Demand for Immediate Access to My Credit Report Dear Equifax, This letter serves as a formal demand for immediate access to my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple attempts to resolve this issue, I have been consistently denied access to my credit report through your online platform, which is a clear violation of my rights under federal law. 
The FCRA explicitly requires that consumers be granted access to their credit reports, including one free annual report through XXXX, as well as under specific circumstances such as identity theft, unemployment, or adverse actions based on credit information. Your continued failure to comply with this legal obligation is unacceptable. 
As of today, I am officially filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities regarding your failure to provide access to my credit report. I demand that you take immediate action to resolve this matter and grant me full access to my credit report without further delay.

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to protect my rights and ensure compliance with the FCRA. 
I expect confirmation of this demand and resolution of the issue within 30 days, as required by law. For any additional information, you may contact me at the details provided above.

Sincerely, XXXX XXXX Also, there should only be one address on my credit profile, report
Product: Payday loan, title loan, personal loan, or advance loan

I only received social security in the amount XXXX a month I explained it took documents in the refinance did not help it was still almost over half of my check I am trying to pay them but the bill is too much now
Product: Debt collection

THAY SEND A COPIE OF the account watch is not my there is no wet signature of my
Product: Debt collection

XXXX XXXX billed me for equipment they claimed wasn't returned, which I had sent back using their prepaid shipping box. When I called to get the tracking number, they now are telling me that I am being charged an early termination fee due to an existing contract. However, I had already fulfilled my contract obligations and had not entered into a new agreement, which is why I returned the equipment. My XXXX  bill shows a XXXX balance, yet the account has been sold to debt collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items 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 or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX {$170.00}XX/XX/XXXX XXXX Balance : {$160.00} XX/XX/XXXXXXXX Balance : {$2600.00}XX/XX/XXXXXXXX ( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXX) XXXX Balance : {$450.00}XX/XX/XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance : {$140.00} ; XX/XX/XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX MO XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have stated before for the nth time that these accounts below are not mine. The mere fact that you guys there at Transunion are ignoring my complaints all the time makes my head spin. I dont know what to do anymore. I already talked to the furnishers and they agreed to not report the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. FTC has been served already but Transunion is really hard-headed when it comes to my complaints. Please comply with FCRA section 605B and DELETE these accounts AS SOON AS POSSIBLE! 

XXXX BANK XXXX, XXXX  XXXX
Product: Debt collection

On XX/XX/XXXX I reached out to XXXX XXXX XXXX regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my PayPal account that was closed to suspicious illegal activity. I have not used my PayPal account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my PayPal account has since been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX XXXX which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed due to COVID XX/XX/2020. 

On XX/XX/XXXX, I asked XXXX XXXX XXXXDOVENMUEHLE for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX. 

I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX/DOVENMUEHLE to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC. 
They have charged late payments XXXX XXXX XXXX and XXXX. 
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late. 
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late XXXX months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped. 
I have called over and over and no one will correct this issue.
Product: Checking or savings account

I am following up to my complaint # XXXX. This complaint was not resolved by Wells Fargo. A letter was sent to you stating they resolved this matter. They did not. I was not provided a copy of the Hold Harmless/Indemnification form that was sent to XXXX XXXX. No explanation was provided as to why XXXX needed this form, who it was sent to, when it was sent, and what happened to my recalled wire transfer. The letter was signed " XXXX XXXX '' from Wells Fargo. This person does not have an extension when contacting the number provided on the letter. Please do not close this complaint, as it is not resolved.
Product: Student loan

Previous loan servicer ( XXXX ) processed income-based loan repayments for public service loan forgiveness at {$.00} less than qualifying amount for nearly 3 years. The repayments were on auto-pay. Now I am nearly 3 years behind schedule for loan forgiveness. I contacted my new servicer ( FedLoan ) and they took nearly a year to review my issue, but it was denied. I asked for another review several months ago and have not been updated yet.
Product: Checking or savings account

Sent a wire request to my XXXX account from Marcus nearly 2 weeks ago. No email confirm from institution of the request. They locked my account with no communication and had to talk to multiple CS reps to unlock the account. After all this hassle, they canceled the wire request about a week later. I tried to initiate an ACH from XXXX, and they locked all debits from my account with 0 communication. I have never received a single email throughout this process and have money I need stuck in this account with no way out. Reps have conflicting information and are generally unhelpful
Product: Credit reporting, credit repair services, or other personal consumer reports

Right to Privacy Your disclosure of non-public financial transactions between XXXX XXXX and myself without my expressly written consent to unaffiliated third parties ( like the credit reporting agencies ). Youre legally charged to safeguard and keep private the nature of our regular and ongoing non-public interactions. Sharing this information on a monthly basis without giving me an opportunity to direct how my information may be used constitutes a flagrant violation of the law. 15 U.S.C. 6802, Gramm-Leach Bliley Act 15 U.S.C. 1681a ( i ) The consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. You are in violation of the law. 

Congressional findings on credit reporting agencies ( 15 U.S.C. 1681 ) state that reporting agencies assumed the role of assembling and evaluating consumer credit. It is not a congressional appointment and is in fact a voluntary reporting system. Youre not legally mandated to report to the credit reporting agencies. Thats a choice. It may be common practice and company policy however your internal policies do not supersede the law. The law does require accuracy of information if you choose to use this voluntary system. Accuracy in reporting is however your obligation but it may not include the transactions and experiences between the creditor and the consumer. Congress has stated that credit is a right and youre using the tenets of this voluntary reporting system as justification to adversely impact, harm and deny my right to attaining creditthis is discrimination. 

Thank you
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXXXXXX - {$680.00} XXXX  - XXXX - {$1900.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

A

fter Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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: Mortgage

XX/XX/XXXX I called and spoke to SPS Select Portfolio Mortgage Servicing Company that bought my mortgage in XXXX regarding an unauthorized payment made by SPS to XXXX XXXX XXXX in the amount of {$16000.00}. I did not receive any notice regarding this payment. There was no lien or lien sale regarding the water bill. But instead SPS once again took it upon themselves to pay this bill and to attach it to my mortgage and charge me interest and increase my monthly mortgage amount. This is the second time that SPS has paid a debt on my behalf to only charge me an outrageous amount of interest and monthly amount due. I do not want an escrow account and had intentionally cancelled in in early XXXX. The property tax bill that SPS paid was done against my written notice ( as per company instructions ) to fax letter stating that I do not want the company to pay this debt. My monthly mortgage payment went from {$1000.00} to {$2000.00} due to SPS disregard to my written notice not to pay this debt. Now with the water bill SPS paid has increased the mortgage monthly amount to {$3000.00}. This is a deceptive practice and the first time SPS had ignored my written notice instructing SPS not to pay. The payment made to XXXX XXXX XXXX was done without any merit or notice. The account was not in lien or lien sale. I called today to demand SPS immediately repay the amount of {$16000.00} back to XXXX XXXX XXXX. I was told they would put in a request to research the matter?? I explained that time was of the essence. But the only recourse for me was to wait to see if the advance be repaid to the escrow account? This does not make sense. If the money is not refunded to the XXXX XXXX XXXX in full, the grant will no longer be available and SPS profits by this by charging me interest on said money.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following incorrect item ( s ) : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the regulations outlined in the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I am aware that you are obligated to verify the accuracy of these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months regarding the corrections made. 
I appreciate your time and assistance in resolving this matter. 
Yours sincerely, XXXX XXXX