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

I am in the process of applying for a consumer loan ( XX/XX/2024 ) with a finance company. I already have one loan with the company, so my information is in their system. 

However, when the loan company tried submitting my name, address, social security number, and date of birth, a message stating that my Equifax and XXXX credit reports were frozen. I contacted both credit bureaus ( created an online account ) and went to the section on freezing information. No freezes were located on either of my credit bureaus. On XX/XX/2024 I contacted the loan company with this information. The loan company resubmitted my information and the same message from the day before was shown... the my credit reports were frozen. 

Neither Equifax nor XXXX will explain how to remove the freeze from my credit reports so that I may apply for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Transunion regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached evidence of previous deletion ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. 
As of today, it has been over 30+ days later and I have not received a response yet from Transunion . I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.
Product: Credit reporting or other personal consumer reports

My credit report contains accounts that are erroneous and should not be associated with my name. This is not only unfair but also deeply troubling, as I have never authorized or engaged in any activities related to these accounts. If you fail to investigate and rectify these issues, I will have no choice but to pursue legal action.
Product: Mortgage

My HELOC loan with Wilmington Savings Fund Society was paid off on XX/XX/2019 by wire transfer to them in the amount of {$190000.00}. The loan reflects " paid '' on my credit report.

WSFS ( Lender ) has refused to return to me the overpayment of loan payoff in the amount of {$480.00}. Additionally, lender has not sent to me the satisfaction of mortgage which I need in order to clear the mortgage from the public records. 

Multiple attempts to speak with the lender about this have resulted in malaise and unconcern. Each time I called, including earlier today, I have been told " that department is behind. They'll get this taken care of by the end of next week. ''
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXX XXXX XXXXXXXX ( Account # XXXX ) Late payments reported in XXXXXXXX XXXX, and a charge-off with a {$830.00} past due balance. Please verify the payment history and charge-off status. 

XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX XXXX, and a charge-off of {$1100.00} with a {$1100.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XXXX  with a balance of {$540.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX, Account # XXXX ) Collection account with a {$670.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX, Account # XXXX ) Collection account with a {$610.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

XXXX XXXX credit card company charged me {$140.00} annual fee on XX/XX/2021. I called to cancel this credit card as I have no travel plans this year due to COVID-19. I was told that I will be still responsible for paying the annual fee regardless of immediate cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF EDXXXX, US DEPT ED, DPT ED/XXXX, DOE XXXX would have verified that XXXX XXXX are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX , US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX did a quarterly review and lowered my available credit balance significantly hurting my score. This was unfair as I have a great credit history. This was done because of disputed information on my credit report which is not fair to use. On my credit report it is noted the derogatory marks are being disputed and are inaccurate. For XXXX XXXX to use inaccurate information is discriminatory and unfair to me. The loan company notified me that the derogatory marks will be removed as they are inaccurate. For XXXX XXXX XXXX bank to use this information is unfair.
Product: Credit reporting or other personal consumer reports

Complaint Details : Company Name : Experian Issue : Failure to verify disputed accounts, failure to provide verification documents, reporting incorrect addresses, potential FCRA violations Date of Incident : XX/XX/XXXX ( when they closed the last complaint ) Complaint Statement : I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and verify disputed accounts and incorrect addresses on my credit report. 
On XX/XX/XXXX, and XX/XX/XXXX, I disputed multiple incorrect addresses, unauthorized collections, and charged-off accounts. Experian responded on XX/XX/XXXX, and XX/XX/XXXX, stating that the disputed items were verified as accurate, yet they failed to provide any legal proof as required under federal law. 
Experians Clear FCRA Violations : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that if an account is verified, the consumer has the right to know : Who was contacted for verification.

What documents were reviewed. 
Experian failed to provide any documentation, meaning the verification process is illegal and invalid. 
Failure to Remove Unverifiable Information FCRA 1681i ( a ) ( 5 ) ( A ) requires credit bureaus to delete any information that can not be verified.

Since Experian has not provided proof of verification, they are required by law to remove these accounts and addresses. 
Failure to Correct or Remove Incorrect Addresses I disputed multiple addresses that do not belong to me, yet Experian failed to remove them, violating FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Failure to Provide Data on XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX These companies are reporting collection accounts against me, yet Experian failed to provide : Proof that I owe these debts Original creditor documentation FCRA 1681s-2 ( a ) ( 1 ) states that only accurate and verifiable debts can be reported. 

What I Want the CFPB to Do : I request that the CFPB : Force Experian to provide the legally required verification documents or immediately delete the disputed accounts and incorrect addresses. 
Investigate Experians dispute-handling process for clear FCRA violations. 
Impose financial penalties on Experian for noncompliance with federal law. 
Experian is violating federal consumer protection laws, and I demand the CFPB take immediate action to protect my rights under the FCRA.
Product: Debt collection

On XXXX XXXX, 2014, XXXX XXXX XXXX, with Kinum, Inc., called me, he was abusive. He yelled, suggested I turn off a cell phone and get rid of it to pay the debt. I explained I did not own the phone, then XXXX XXXX hung up on me. 

XXXX XXXX did not use any foul language, but I spoke with the Chief Compliance XXXX XXXX XXXX the same day and filed a complaint. However, instead of taking any interest in the conduct of XXXX XXXX, the conversation quickly turned back to the debt. More then a year later I have not heard the result of this complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to Transunion, XXXX, and XXXX. 

Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with TransUnion, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with XXXX. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on XXXX and TransUnion. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but omitted this information from XXXX and Transunion. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a 98 percent payment history for XXXX XXXX while indicating 94 percent for TransUnion AND 93 Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Debt collection

XXXX was submitted information and court documents involving Rent Recovery solutions fraudulent claim of debt owed to the XXXX at XXXX in the amount of {$7600.00}. When contacted on results of the dispute XXXX verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. XXXX then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX at XXXX was in litigation with me over the matter and on XX/XX/2023 I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.
Product: Checking or savings account

Below is the outline of the problem which I sent to Bank of America over a year ago via a certified letter. I have yet to receive a response? When I went to a local bank to open a new CD, I was informed that there was a report of account abuse attributed to my social security number. This bank was not able to provide much information due to confidentiality/compliance issues, but we were able to find out that a fraudulent bank account was opened at the Bank of America, by XXXX XXXX, of XXXX XXXX XXXX, XXXX, NY XXXX. I have never lived in NY. There was an overdraft of XXXX. When I contacted Bank of America they would not provide any additional information. I have no knowledge of this person and have no relationship with Bank of America. In short BoA allows fraudulent accounts to be opened against SSN 's without checking that the SSN actually belongs to that person. Incompetent to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
Product: Debt collection

On XX/XX/year> I received a letter from FCC FInance threatening against me and/ or my property. I receive many calls all day and night and are charging me with incorrect amount. Also it appears in only XXXX credit bureau. Incorrect amount and multiple mistakes made
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dispute of Incorrect Personal Information on Credit Reports Dear CFPB Representative, I am writing to formally request your assistance in correcting inaccurate personal information on my credit reports provided by Equifax, XXXX, and XXXX. I have reviewed my credit reports and found several errors that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below is a detailed list of the inaccuracies that I have identified : XXXX XXXX XXXX  List of Errors : 1. **Incorrect Names : ** - Reported : " XXXX XXXX XXXX XXXX - Correct : My name should only appear as " XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' I AM NOT KNOWN AS ANYTHING ELSE BUT THESE NAMES PLEASE REMOVE Also known as ( XXXX, XXXX XXXX, XXXX ) 1. **Incorrect Employment Information : ** - Reported : " XXXX XXXX XXXX, '' " XXXX '' - Correct : I am currently employed only at " XXXX XXXX XXXX XXXX '' Any other employment information is incorrect. 
2. **Incorrect Addresses : ** - Reported : " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX '' - Correct : My correct address is " XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX There should be no other addresses listed on my credit reports. 

XXXX XXXX XXXX Applicable Laws : - **15 U.S.C. 1681c ( a ) ( 5 ) : ** No consumer reporting agency may report any incorrect or outdated information on a consumer 's credit report, including incorrect personal information such as names, addresses, and employment details. 
- **15 U.S.C. 1681i ( a ) : ** This section mandates that credit reporting agencies must promptly investigate any disputes regarding inaccurate information and correct or delete any data that is found to be incorrect. 
- **15 U.S.C. 6802 : ** This law states that financial institutions must protect the privacy of personal information and can not share this information with third parties without the consumer 's explicit consent. 

I request that you initiate an immediate investigation into these inaccuracies and ensure that the correct information is reflected on my credit reports across all three bureaus. I am providing this information in compliance with the FCRA and ask for your assistance in ensuring my rights are protected. 

Please provide written confirmation of the corrections made to my credit reports once the investigation is complete. I expect these errors to be resolved promptly, as they have a significant impact on my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt response and the necessary corrections. 

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

THESE INQUIRIES were not authorized. I was not protected and my privacy and medical records from third parties.

I understand that Hipaa does allow for limited information. I didnt give anyone permission to run my credit. Validation of debt is required, and it was not done. I asked for a copy of my signature with the creditor until the debt has been validated by me.

I have contacted the creditor and advised them to cease their illegal activity, but they have failed to comply or respond. I am requesting your help to resolve this issue with these inquiries from my credit report and send me validation