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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX has violated my rights. 

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

I recently learned that my credit information was shared on several dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX with XXXX XXXX. I did not request service with XXXX XXXX, nor did I give them the right to initiate a credit inquiry on my behalf. These inquiries are negatively impacting my credit score. 

I called Equifax on XXXX/XXXX/XXXX at XXXX to learn more about these inquiries. I was surprised that Equifax had shared my information without my authorization. After learning they had incorrectly listed my name on my account ( as XXXX XXXX XXXX as opposed to my correct name, XXXX XXXX XXXX XXXX, I grew concerned Equifax had sloppy security protocols and was concerned they were not doing due diligence in protecting my financial information. I asked Equifax to tell me what their requirements were for sharing information with creditors. They refused to tell me both XXXX XXXX what information they require, XXXX XXXX what specific information the asked of the erroneous creditor, XXXX XXXX, before sharing my credit report with said company. 

I was told repeatedly I needed to call XXXX and ask what information they had used to access my credit information. I politely explained, I wanted to understand Equifax 's policies in sharing my information with creditors. I specifically asked, " What information do you require of creditors in order to share my information with them? '' The first staff member I spoke to could not answer. I requested to speak with a XXXX, XXXX, who again to refused to answer my question. Finally I escalated my request to the Equifax 's XXXX of Consumer Affairs. I repeated my question to the managing XXXX, XXXX XXXX. I told her I wanted to know what information Equifax requires of creditors before sharing my personal credit information with them. 

XXXX XXXX refused to provide this information. She said she could only give me the phone number for XXXX XXXX. I told her XXXX XXXX could not answer my question about Equifax policies. She repeatedly refused to tell me the answer to my question. She refused to tell me the name of her supervisor, or let me speak with them. She then hung up on me. 

It is my understanding that, reporting information that one knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. It is concerning to me that Equifax is providing my personal credit information to strangers, without my consent or knowledge, and is unwilling to tell me how or why this has happened. Additionally, the lack of interest Equifax has demonstrated in investigating this error, shows the company takes no responsibility in protecting my information in the future from those who seek to take advantage of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXX/XX/2023.
Product: Mortgage

I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.
Product: Mortgage

Paid reinstatement amount stated by Ocwen in XX/XX/XXXX for {$25000.00}. 
Loan was reinstated Next payment was due XX/XX/XXXX. 
Ocwen applied funds to account and state I owed another {$6500.00} in XXXX. 
I contested this and was stonewalled when I tried to call on numerous times with the person on the phone who promised that this would be resolved. 
My account was frozen in XXXX stating I owed {$1000.00}, but they refused to use money in a suspense account totally {$1000.00}. 
No resolution was ever offered to apply funds properly. 
Account went into foreclosure Property sold to Ocwen ( XXXX XXXX, XXXX ) on XX/XX/XXXX. 
Have been trying to speak to someone about purchasing the home, but have not been allowed to speak to anyone who can make this decision. 
I have retained a lawyer who has tried, unsuccessfully, to speak to someone at Ocwen, they have continually referred us to a company called XXXX. 
This would have never gone to foreclosure if Ocwen honored the reinstatement in XX/XX/XXXX. Through their accounting, application of the {$25000.00} payment, and refusal to allow me to speak to anyone higher than customer service when I call in, have taken my home and given me nothing in the way of any recognition or resolution to the XX/XX/XXXX payment or suspense account money that was never applied.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

locked out of my account over a month ago. Chime requested that I send a picture of my id with me also I. The picture. My wallet was stolen so I had to go to the local dmv ( Kentucky ) and get another state issued i which I did. In Kentucky the dmv send you with a paper id until the state send you the hard copy is in the mail with 10 days. I explained this to chime and they said they system wouldnt take it I. The mean time after speaking with 20 customer service reps and send over 50 email I was told a thousand different ways I could possible get access to my account send. Send my ssn, marriage license and, check stub, lease agreement, I send everything I had and was still denied access. My account was closed on XX/XX/2023 and I was told my remaining balance would be sent to me When I received my id in the mail I reached out to see if the process could be sped up and still I wasnt granted access to my funds. I just dont understand why after closing my account chime is still refusing to issue out my funds.
Product: Money transfer, virtual currency, or money service

Could not contact a live representative from cash app for fraudulent issues on my account
Product: Credit reporting or other personal consumer reports

I have asked Experian to remove an inaccurate account off of my credit. They said it came back verified but didnt provide any proof. I am writing to address a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which pertains to civil liability for willful noncompliance they are continually reporting that I owe XXXX XXXX XXXX an outrages amount of money. They have not stopped the original creditors address or information or a contact that I have with them. Please remove this information as it is hurting my credit history. Please remove this negative information immediately. There is no way they really investigated that fast this is illegal
Product: Student loan

In XXXX of 2016, Student Loan Care , LLC, contacted me via phone and claimed to have a relationship with the Department of Education and that they would take over my loans with XXXX XXXX XXXX and that I would pay them. XXXX XXXX and XXXX XXXX misinformed and misconstrued the nature of what Student Loan Care , LLC actually was. They said they could lower my payment, they would consolidate my loans, and have them forgiven. They never once stated that they simply were a paid paper filer doing a job that I was already doing for free. I was completely taken advantage of from the representatives, XXXX XXXX and XXXX XXXX, and told out right lies. For the past year, I was told I was making payments towards my student loan, not towards a service to have Student Loan Care , LLC submit papers for me at the cost of {$1400.00}. Student Loan Care , LLC is a scam and is taking advantage of students with extreme student loan debt who are seeking relief. They have messed up my loans with XXXX XXXX XXXX and have fraudulently collected money from me via their partnership with XXXX XXXX. I am contacting my bank and reporting fraud, contacting the attorney state general, and the credit bureaus about wrongfully and deceivingly taking my information.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, Synchrony bank, XXXX XXXX  and so on. They even tried or change my address to receive the credit cards to their homes. s with out my authorization or consent. 

I place a freeze on my credit in about XXXX of XXXX. 
but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / /Syncrony Bank XXXX XXXX.These charges were made in XX/XX/XXXX. After the freeze order was placed through XXXX, XXXX, XXXX. 

I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. 

I currently disputing these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian Credit Bureau. I sent letters to Experian Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Experian, the inaccurate information about my accounts is still on my reports. Experian Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many requests and no by law I am to be providing proof. The bureaus keep sending me letter stating account have been verified however are nor backed up by proof!! FCRA VIOLATION I would like the following accounts removed from my report. 
It is severely impacting me and is incorrect. 


XXXX XXXX XXXX  - Account Number : XXXX 15 USC 1692 ( c ) I never lived here, Please remove this from my credit report. 


XXXX XXXXAccount Number : XXXX 15 USC 1681 ( A ) Delete late payments for XX/XX/2021 because I was never late Delete Late payments for XX/XX/2021 because I was never late
Product: Student loan

In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and equifax says i am current but experian says im 30 days late.
Product: Credit reporting or other personal consumer reports

This complaint involves TransUnion, XXXX and XXXX. I have attempted many times to correct inaccurate information and each agency refuses to do so without providing me any documentation to justify their position as required. The XXXX most egregious inaccuracies of late involve XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting to these agencies without noticing me that they are doing so and providing me an opportunity to opt out of reporting as required, nor do the credit agencies provide me with the information sent to them to justify their reporting. Both of the aforementioned accounts listed by XXXX XXXX XXXX XXXX XXXX XXXX  are listed as charged off on my credit report. According to the IRS, this would constitute income for me yet I have not received any 1099 's from these banks because in reality, they are outstanding securities that belong to me and are owed to me. Income is not allowed to be reported on any credit reports, so this is a major violation going back at least XXXX years for each bank. That would be {$150000.00} in fines for each bank for reporting those accounts alone, not to mention the pain and suffering I have endured waiting for these banks to follow their own regulations and the laws they must adhere to. I require the CFPB to follow the regulations and codes established by the CFPB to protect consumers, me in this instance, and do the following : Have these inaccuracies corrected on all three credit reports and listed as paid as agreed and paid in full AND send me the fines I am due for their continued violation of my protected consumer rights AND return my securities to me that they have been using and profiting from with interest.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed inaccuracies. Consequently, I mailed a dispute letter to Experian on XXXX XXXX XXXX, using certified mail. It has now been over 35 days, and I have not received a response from the credit bureaus. This lack of response is a breach of 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that upon receiving a dispute, a consumer reporting agency must, without charge, conduct a timely reinvestigation to verify the accuracy of the information. If the information is found to be inaccurate, the agency must update or delete the item within 30 days from the date the dispute was received.
Product: Debt collection

They have contacted me over the phone a few times trying to get me to settle and I disputed the {$400.00} XX/XX/XXXX. Back in XXXX one representative said the whole account was in correct and tried to fix it but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX  ( Original creditor : XXXX ) XXXX Balance : {$330.00} XXXX  XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX  XXXX  XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX  - XX/XX/year> - {$520.00} INQUIRIES : 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/year> XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.