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

A debt Validation letter was sent requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received anything proving validation from the company. I also disputed with the credit bureaus and there was not a complete investigation done.
Product: Student loan

I Filed a fraudulent loan complaint with Sallie Mae and was told that they could not confirm fraud. I submiied a copy of the loan application which contained my incorrect property address, an incorrect e mail address, incorrect banking information, and incorrect employment information.They said that based on prior conversations that I had with them led to their decision to deny my allegations. The only thing I stated to them was that I was not going to pay the loan. I did not want to state at the time that the loan was fraudulently obtained by falsifying my e signature.My daughter had access to all of my information and so did my granddaughter who was applying for the loan.The loan app was completed with my wife 's email which my daughter and granddaughter had access to.My contention is that anyone who has your personal information can cosign for a loan with the click of a computer key. How can you prove that it was not yourself who did that? E signatures should only be used to apply for a loan and to generate disclosures. The actual loan agreement should require a notarized signature for all obligated parties.
Product: Credit reporting or other personal consumer reports

The following inquiries XXXX XXXX XX/XX/year> and XXXX XXXX  Inquiry : XX/XX/year> need to be removed from my account immediately per as they are hindering my ability to obtain credit 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ). It establishes the purpose and findings of the FCRA, which governs how consumer credit reports are accessed. The FCRA also promotes the accuracy, fairness, and privacy of personal information collected by credit reporting agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX  Account 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

On or around  XXXX   XXXX , I requested a dispute of an account (   XXXX   XXXX   XXXX  ) with Experia n Reporting Services ( Dispute  #  XXXX  ) this account was not obtained, authorized and I did n't benefit from its opening. These facts were expressed to the live operator spoken with about my disposition and there was also a notarized Identity Theft report (  XXXX  ), which specified the aforementioned. This was done according to the FC RA sec605.b. This congressonal act gives specific direction to the block accounts specified by a victim of I dentity theft. Instead of blocking the account the service agency, took a " Paid '' account and reported it as a late or Potentially Negative Account, in addition they requested that I contact the creditor as they had no direct contact information on my reporting profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The basic issue is that I am unable to log into service.transunion.com the free service that allows you to have a basic look at your credit report. When I log in I see an error stating " We are temporarily unable to complete your request.Looks like we are experiencing a problem on our end. '' I have mailed my personal information ( SSN, Driver license, pay stub etc. ) twice now under the direction of customer support staff to two different Transunion department in hopes of fixing the issue of being unable to log in. Multiple times the only thing that has happened is that I have been sent a mail containing my credit report with multiple wrong information. When I have followed the links to try and fix these issues it has directed me to the service.transunion.com site which I am unable to log into. This is now my second complaint to the cfpb whereas the first one was marked as solved and when I replied with the issue has not been solved there is no follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$24000.00}XXXX XXXX XXXX Balance XXXX {$23000.00}
Product: Checking or savings account

Opened Citibank checking account with their XXXX USD bonus offer with deposit of {$5000.00} within 30 days, Citibank did not allow me to fund my account until XX/XX/2019 over the internet and I was not allowed to deposit funds until I received a PIN number from them through mail and I received it XX/XX/2019. It was virtually impossible for me to meet the terms they issued with the system that was in place, I am disgusted by this predatory method of having people open their banking accounts only to be scammed by their predatory practices involving forced manipulation of possible depositing methods.
Product: Credit reporting or other personal consumer reports

I am writing this letter to request the removal of all hard and soft inquiries from my credit report with Experian, XXXX and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 1681g.

I have recently reviewed my credit report and noticed that there are several inquiries listed that I do not recognize. These inquiries were not authorized by me and have negatively impacted my credit score. As per the FCRA, I have the right to request the removal of these inquiries from my credit report.

I would like to remind you that under the FCRA, hard inquiries can only be made with my written consent or for a permissible purpose, such as a credit application. Soft inquiries, on the other hand, are made without my consent and do not affect my credit score. However, they still appear on my credit report and can be viewed by potential lenders, which can be misleading.

Therefore, I am requesting that all unauthorized hard and soft inquiries be removed from my credit report immediately.

I also request that you provide me with a written confirmation once the inquiries have been removed from my credit report. If you are unable to verify the inquiries, I request that they be removed within 30 days as per the FCRA. 

I appreciate your prompt attention to this matter and look forward to a positive resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your cooperation. 

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

On XX/XX/25 I mailed a letter to Transunion Smartmove requesting a copy of my consumer file and they did not respond at all and it has been 30 days. 

I am fiing this complaint with the CFPB so that I can get help with this issue. It is my right to request a copy of the information that any consumer reporting agency has that relates to me. 

Attached to this complaint I've included a copy of my ID and Social to verify my identity and my current address. I also inculded a copy of the original letter that was sent to Transunion Smartmove.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and found an inquiry that I did not authorize or recognize.
Product: Debt collection

$ XXXX identify theftXXXX XXXX ( deceased ) used my social security number for this account
Product: Debt collection

On XXXX XXXX around XXXX, I obtained a copy of my credit report and seen the account IC SYSTEMS on my report. I opened a dispute with XXXX and the representative also told me to contact the company IC SYSTEMS. I contacted IC SYSTEMS and I told them that their attempt to collect a debt is very unlawful. I spoke with XXXX XXXX Employee # : XXXX, I asked him how did his company obtain my information to furnish information on my credit report, he told me through XXXX. I asked him if the company verified that the alleged debt is valid against me and if they did verify where is the documentation. He then proceed to cut me off and say we can set up a payment plan. How can we set up a payment plan, when you can not let me know how you verified the information that XXXX sent you? This company is in violation of many FCRA acts. Listed below is the biggest act that I believe they are in violation of. 

18 U.S. Code 894- Collection of extensions of credit by extortionate means.

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

IC SYSTEMS is in violation of this Act as they have not verified or validated the debt but are still attempting to collect. They are punishing me by reporting negative information on CRA reports which is negatively impacting my ability to obtain credit. 

I also NEVER consented for XXXX to give nonaffiliated third parties my information and I never received notice that XXXX was giving away my information. Unfortunately XXXX was in violation of the GLB Act. They failed to notify me a consumer about their information-sharing practices and failed to tell me of my consumer right to " opt-out '' if I don't want their information shared with certain nonaffiliated third parties. 

So even if this company IC SYSTEMS believes that they have followed all laws under FCRA rules, it is still in violation under the GLB Act.
Product: Debt collection

I just got some collection added to my consumer report without receiving any letter for me to challenge the debt, verify or validate the debt. They just went and add the collection to my consumer report. I am applied for a mortgage and I was not approved for the same reason.
Product: Credit reporting or other personal consumer reports

I am trying to temporary unluck my credit report. 
I requested it numerous time without any result. 
There is no phone number to communicate. 

The instruction I received did not worked. 


I submitted 3 times my driver license. 
My number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting act XX/XX/XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/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 or other personal consumer reports

XXXX ( a ) ( XXXX ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments ( XXXX XXXX XXXX XXXX  ) ( XXXXXXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Experian gas failed to fulfill its legal obligation under the FCRA to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing harm to my credit standing. I am requesting IMMEDIATE corrective action to remove and amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? 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. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at 15 U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement.

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately XXXX weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX Account number XXXX  Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPT OF EDXXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under XXXX XXXX XXXX civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Consistently, I've made sure payments on this account are prompt, avoiding any overdue status. I'm uncertain about the reasons for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Student loan

I submitted documentation to recertify for  my IBR plan. FedLoan cal culated it incorrectly for the 2nd year in a row. I file a joint return with my wife, and we both have federal loans. It should be calculated as a total amount which we both pay a proportion of. Both years, they correctly calculated the payment for one of us, then calculated the payment for the 2nd person as what should be the combined total. For instance, this year our income went up by about 10  % ( from {$170.00} to {$180.00} ). My wif e 's payment went up by  10 %. Mine was increased by about 30 % ( from {$540.00} to {$840.00} ), to w hat should be the total combined payment for both of us ( {$840 .00} ). I tried to email Fedloan about this (   XXXX   XXXX  ), and got an email saying they were processing my email ... then a few minutes later received a form email directing me to their FAQs and saying I would not be able to get a response from them via email. This is a major issue that needs to be addressed - you ca n't say that you can be contacted via email and then not actually have a way to have an issue resolved via email.     I was able to call and have it resolved after I spoke to a customer service agent. However, my bigger concern is that if this has h appened to me two years in a row, I 'm probably not the only person affected, and other peopl e may be overpaying ( especially if it is incorrectly calculated the first time they certify and they do n't have any point of reference for an appropriate payment ).
Product: Debt collection

XXXX has had a collection of debt notice for me not returning faulty equipment for about 6 years now. I had a XXXX account in 2017. I moved and advised that the equipment stopped working and I had to work from home in my new home so I needed to go with a new provider and I could no longer receive their services in my area and they charged me for the equipment and billing that I did not use. The amount was {$210.00}. They reported this false collection to my credit holders. For 6 years they have been changing debt collection companies and reporting as new debtors to XXXX, XXXX, etc. They never originally told me that I owed anything and the XXXX time XXXX did call I told them i couldnt gain access to the broken equipment because I had to move urgently ( XXXX  XXXX situation ). They never said I would owe a debt or sent mailings to my new address so I never received any proper notice or precise instruction of handling anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous letters to the credit bureaus over a long span of time and they did not respond. I never received mail that they even considered my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below.