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

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 data is inaccurate.
Product: Debt collection

Dept collection agency contacted me requesting to pay them the amount of {$660.00} and threaten me to take legal action with their attorney and that I have to spend more money by hiring an attorney. then told me will damage my credit report if I don't pay them. I requested them to validate that the debt is lawfully mine and its contractual charges. instead ignored my request to validate the debt amount and reported negative items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was notified that an inquiry from XXXX dated XX/XX/2018 showed upon my credit file. I have notified Experian that this inquiry was not authorized by me and also have spoken with XXXX and there was no application put in at there company under my social. Experian is adding inquiries onto my credit file without authorization from me or the company XXXX. I am a victim of identity theft and have a 7 year identity theft notice in place. However Experian is still reporting this inquiry onto my credit file after I have notified them that this was not of my doing. I have never applied for a XXXX and never authorized this inquiry!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The following personal information is incorrect Employers : XXXX XXXX
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : 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  1

5 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: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXX, an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX a personal loan account opened XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ private that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked when I reviewed my credit report and found third party collection which definitely an identity theft and late payments from XXXX while everything was OK on Equifax on my US DEPT ED and XXXX.
Product: Credit reporting

I opened a home equity line of credit with XXXX XXXX XXXX Bank in XXXX with a set interest rate and automatic renewal provision in 10 year cycles - this account paid properly every month since origination. In early 2013 XXXX XXXX XXXX notified me that the equity line would be converted to a " installment type loan '' and modified to a set payoff schedule at XXXX the current payback schedule. I disagreed with the terms XXXX XXXX XXXX offered and continued to make regular on time monthly payment. 

In XXXX 2013 XXXX XXXX XXXX returned my payment with a letter stating that the bank would not accept further payments on this loan based on non-modified terms. In XXXX 2013 I attempted to make my payment at a XXXX XXXX XXXX Branch - which was refused. In XXXX XXXX XXXX XXXX filed a " pre-foreclosure '' and notified me of the pending legal proceedings. During this period ( XXXX through early XXXX ) the only contact available to us through XXXX XXXX XXXX was their " mortgage default department '' which was anything but helpful and kept suggesting/demanding I use a government HARP program for loan modification which I had no interest in using. 

Later in XXXX 2013 XXXX XXXX XXXX and I came to an agreement for a payback schedule at a set interest cost and set payments - all payments have been made on time before and since. This loan was never in default, although XXXX XXXX XXXX refused payments for several months. 

Experian continues to list this account as a foreclosure with over a year of missed payments - XXXX correctly list this loan with no " default-foreclosure-late payments ''. I have disputed the reporting several times through the standard Experian dispute process and Experian refuses to correct their reporting as so called " verified '' nor will they accept an appeal of their incorrect account listing information. 

My Experian XXXX scores are XXXX points below other credit agencies scoring due to this incorrect listing and are shown as recently late ( 2013 ). All XXXX of my reports ( XXXX Experian ) correctly show the new loan ( XXXX XXXX XXXX modified to set terms ) as paid - never late.
Product: Checking or savings account

Someone opened a Bank of America checking account in my name. They had my ss # and dob. I didn't open any account with this bank. I've never even heard of this bank.
Product: Checking or savings account

UsingXX/XX/XXXXfor the first time some years ago I tried sending some money to my mom and she had a very old email address on her account and she couldnt receive the money and I wasnt able to get my money back from Wells Fargo it was nothing at they could do
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified that my credit limit had been abruptly reduced by approximately {$5000.00}. This was in spite of a long history of on-time payments with Citi and a relationship that dates back to XXXX. I also believe that this was a retaliatory act by Citi, as I had requested a one-month deferment of the minimum payment due on the card.
Product: Student loan

Dear To Whom It May Concern I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach there could be a direct impact on my financial security and privacy
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX California XXXX this is the only correct information. LexisNexis is also reporting two bankruptcy filings. I would like LexisNexis to forward the documents used to determine this information is accurate. I contacted the Clerk of Court and asked were filings given to resellers for reporting and she stated no.
Product: Credit reporting, credit repair services, or other personal consumer reports

was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach and Equifax admitted that I was a victim of the data breach.
Product: Mortgage

My husband had a XXXX XXXX XXXX 3 years ago and can no longer work. We are a XXXX income household. My XXXX is the only income we have. We have requested a mortgage modification at least XXXX times from JP MORGAN, CHASE only to be denied each time for different reasons each time. We finally applied for a forbearance. After over a year of filling out paperwork over and over, they granted the forbearance. CHASE sent us a contract to sign telling us to make 4 monthly payments of XXXX starting in XXXX 2015. We sent the first XXXX payment on XXXX XXXX, 2015 through XXXX XXXX. We sent it early to make sure CHASE received it in time for it to be credited by XXXX XXXX, 2015. We called XXXX XXXX and CHASE informed us that they did not receive to payment. We called XXXX. They told us that CHASE did receive to money and gave us a check number that was received by CHASE. Called CHASE again, told they still did not receive money and no record of check number. Called XXXX again. XXXX verified CHASE did get money. On XXXX XXXX, 2015 received letter from CHASE stating that the XXXX had been RETURNED TO XXXX because it was not enough to bring the mortgage current. Called XXXX. They showed no record that CHASE had returned money. Called CHASE again. Cust. Serv Spec. told us that the money was returned because they did not show our mortgage as being under forbearance. CHASE told us to send money again as we were still liable under contract for the XXXX for XXXX. We DID SEND THE MONEY IN THE FIRST PLACE. So first they tell us that they do n't even show us being in forbearance, they in they same breath tell us that we are under contract for the XXXX and must send it again or they will CANCEL the forbearance! What?! We want to know how to sue JP MORGAN, CHASE for our home and emotional stress. I am terrified every day that this is going to cause my husband to have another XXXX XXXX or that we will get an eviction notice. How do we get in on or start a CLASS ACTION SUIT against CHASE? We have called Legal Aid and HOME here in VIRGINIA and they can not or WILL NOT help us. Please tell us where to turn.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Debt collection

I sent an email on XX/XX/year> to XXXX XXXX ( third-party debt collection for Synchrony Bank XXXX XXXX XXXXXXXX XXXX from my email for a debt validation. I received an automated response to say to allow 30 days. l, which is fine because I asked for 30 days to receive this information. 

I have not received any response as I have requested. They have my email and address on file and they have not sent me anything regarding the debt validation so I can review my records. I believe they violate the Fair Debt Collection Practices Act. 

In addition, I believe someone has tried to contact a relative and not me, which is against the rules because the email states after I submitted a validation letter, XXXX XXXX or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you.
Product: Student loan

I applied for an income based repayment plan. I received an email which i have attached stating that my new payment is XXXX. However they keep showing payment due of XXXX. I have attempted on the phone and email to explain this but i either get transferred from department to department where i was disconnected 4 times or i get no response to emails.
Product: Mortgage

Were to start ... well I have already file a complaint because Best Capital Funding did not cancel the purchase of a property on time it took them 4 months to cancel this. Even though XXXX had promised me that he was going to work with me to unwind the purchase and do it right he never did. Her never follow up to let me know how things were going. When I realize they were not trying to do anything I contacted XXXX XXXX the XXXX of the company. He was very rude and told me that he didnt care what XXXX and XXXX XXXX his agent had promise me that the only thing he could do at the moment was to payoff of the loan. Which was done after all the pressure I put and after receiving the complaint from the credit bureau. I took the Settlement that they offer, but first they were requesting for me to remove the complaint that I had file and to sign a Release of Claims document. XXXX XXXX another agent of Best Capital funding had email me with that request and had mention that I would receive the copy of the reconveyance from XXXX which might take 21 days but he was trying to rush it and I have not receive anything until this day. That email he sent me with that information was on XX/XX/2020. I thought that everything was fix, but according to the county of XXXX my name is still not removed from them properly since they have not file this document and the title company has not received it. I been emailing and calling Best Capital Funding since XX/XX/2020so that they can provide me with the full reconveyance and the prof of the how they paid of the loan I have not heard back from them. Today XX/XX/2020 I call the XXXX XXXX XXXX and he said that he was going to email XXXX that he couldnt provide me with the prof of the payoff and he hung up the phone. He was very rude. This situation is unethical, stressful and draining. I dont understand why they make it so hard.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

zelle was used and money transferred without consent
Product: Checking or savings account

My employer uses XXXX for our payroll cards, XXXX makes it hard for us to do direct deposit with no instructions to do so, the app and website is confusing and not user friendly especially on a smart phone, I have reported fraud on my account they have been no help, I feel like I am being ignored, also they have numerous complaints on XXXX XXXX XXXX, this is a example of a company thinking that they are above the law.
Product: Credit reporting or other personal consumer reports

I mailed a letter over 1 month ago asking for these unauthorized hard inquires to be removed but never received a response.