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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXXertfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow-up to the one I previously filed, which asked the CFPB to remove bogus accounts and information from my credit file. According to section 605b of the Fair Credit Reporting Act, I have read. I am shielded from inaccurate reporting by Federal law, and you are obligated by law to erase any accounts and information from my credit file. Please follow the law and remove the disputed accounts and data as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXX XX/XX/2021. You haven't supplied me a copy of any documentation proving your assertions that I own the disputed accounts. Without these documentation, it is assumed that the challenged materials will be deleted right away.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and concern regarding the lack of response to my previous dispute and what I perceive as a violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to address inaccuracies in my credit report, I have yet to receive any acknowledgment or response. 

As a consumer, I value the importance of accurate credit reporting, not only for my financial well-being but also for maintaining the integrity of the credit reporting system. The FCRA establishes clear guidelines for timely investigation and resolution of disputes, which I believe have not been followed in this instance. 

The lack of response has caused me significant distress and uncertainty about my financial standing. Additionally, it undermines my confidence in the accuracy and reliability of the information contained in my credit report. This situation could potentially have negative consequences for my future financial endeavors. 

I urge the relevant party to promptly investigate the disputed items on my credit report and provide a written response detailing the results of the investigation. Furthermore, I request that any inaccuracies or discrepancies found be corrected without further delay. 

Compliance with the FCRA is essential to ensure fair and accurate credit reporting for all consumers. I trust that the necessary steps will be taken to address this matter promptly and effectively. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

On XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX you furnished my consumer report without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Insert CRA that inquiry is on here } consumer report on { Insert Date,XXXX } without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Be advised the advisory opinion of BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).

This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 

So why was a consumer report furnished to XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX without a permissible purpose or legitimate business reason?
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/year> XX/XX/XXXX XXXX
Product: Mortgage

It started about XXXX years ago, after the birth of our " XXXX '', which needless to say was a surprise. At that time both my wife and i were both employed. 
My wife had her job eliminated, we were in need of financial relief and applied for the Making Your Home Affordable several time and were told we did n't qualify. After several years of financial difficulty we saw something strange happening to the house. 
I discovered I had a Sinkhole under part of my house, and the whole process for that began. 
After exhausting all options and also the financial help from relatives, we were faced with few options. 
Sinkhole under the house and now in debt i was forced into Bankruptcy. 
I retained a Lawyer to guide me through the bankruptcy process, and after several missed mortgage payment I get a call and I magically now qualify for assistance, so i looked into and it was for $ XXXX- {$100.00} relief a month for a limited time. 
That 's it, i was denied all other offers. 
So after that i continued with the Bankruptcy process. 
I was granted the Chapter XXXX due to all the circumstances and moved on with my life. 
I am still in a legal battle with my Insurance company over the Sink hole. 
After about XXXX more years, and now a year after my discharged Chapter XXXX i receive a Notice of Sale on my home, I fully understand the situation and move out prior to the sale date to avoid any issues. 
XXXX days after the sale i receive a letter stating the home sale was stopped by the bank. 
I do n't understand. 
The house they would n't help me with is now abandoned. 
I did everything possible to assist them, created no problems, didnt fight. 
I am now bankrupt, no home, I have a wife and XXXX kids, now living in a small townhouse, not my house that I worked my whole life for, to build and want to raise our kids in. 
I have had to surrender our family dog who was too big to go with us, we gave away the kids horse and now all I want is for it to be put behind me. 
Due to the sink hole, out of fear my wife stopped sleeping on that side of the house, XXXX. Dont ' think that has not created any issues. 
I also was diagnosed with a XXXX which requires a XXXX and XXXX. 
That is Not a XXXX. It just presented itself one day, doctors have no idea. 
Try XXXX ... .... 
My lender Bank of America has done nothing to help, and now they keep the house from auction, I do not want anything to do with the house anymore, but since they did not sell it, I do not feel i should be responsible for it or the XXXX acres it is on. 
I really want this to end it is tearing my family apart. 
I never needed anybody 's help, not family, friends and sure did not need the government to bail me out, but when I really needed assistance I was denied. 
I pay my taxes, I have my own medical insurance, I support my family. 
So for doing all the right things, trying as hard as I could, I have a XXXX, a bankruptcy, soon a foreclosure and no home to count on for my family 's financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps violating the fair credit reporting act 15 U.S. Code 1681i Re-inserting debt on to my credit report, Transunion is a very sneaky, and malicious reporting agency, they violate the fcra committing 15 U.S. Code 1681n, and 15 U.S. Code ss 4504 without a care in the world, 2 accounts were disputed one account tht was by law supposed to be deleted 3 yrs ago, and it is a tax lien, Transunion keeps verifying that it is not a tax lien, even after they recieved the tax lien paperwork, this is clearly willful neglect on their part continuing to report it, it is an old account that is 3 yrs past the statute of limitations for credit reporting, they refuse to remove it which is causing damage to my credit, they are not supposed to be reporting tax lies, once I again I will submit through the CFPB the tax lien document, that shows it is a tax lien reported by transunion, they are required to delete it, they don't care about being sued whatsoever, second account they are reporting negatively is a public record which is an eviction by XXXX, XXXX XXXX XXXX XXXX, it was closed by transunion, and deleted, transunion sent a letter stating they were going to delete it, but they re-inserted back in my credit without a five day notice which is another violation of the fcra, it is a liability on their part they need to delete that account immediately before they get sued, I should not have anything negative on my credit report, they need to follow the FCRA, and remove those items before I sue them for willful noncompliance. My credit score should not be in the low 600sit should be in the 700s, they need to fix my report now.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX account XXXX XXXX XXXX  came back verified and accurate. This account is inaccurately reporting on my credit report and causing emotional distress as it is inaccurately reporting and should be DELETED for violating my FCRA rights Section U.S.C 1681i. Equifax is showing the date of last activity as XX/XX/XXXX. XXXX shows date of last activity as XX/XX/XXXX. XXXX is showing the date activity XX/XX/XXXX. Why are these are inconsistent? This is definitely violating my rights because FCRA states information reporting has to be XXXX  % verifiable and XXXX  % accurate otherwise the information must be be removed under federal law. These XXXX dates are inconsistent and are grounds for deletion.
Product: Vehicle loan or lease

I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. 

Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! 

On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. 

The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. 

I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. 

I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! 

Thank you for your time and corporation in this matter! 

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

Recently reviewed my credit, many unknown unrelatable unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I am reporting this complain to TransUnion Consumer Solution because I have disputed 4 times and I have the evidence that they have lied to me, that the XXXX XXXX XXXX Florida that I'm reporting that is not mines they say that this account the XXXX XXXX bankruptcy ref # XXXX is verified and accurate with this account XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is the third party they eliminated and removed it from the files because they determined that this was indeed an error and took it out from my account and for the law FCRA 611 ( 15 U.S.C 16811 ) they have to prove it mines if not it has to be eliminated. TransUnion state that the court is verifying that information and that is a lie because I have the letter directly from the XXXX court that they don't report nothing to the credit agencies and I have ask TransUnion to send me a letter saying that the court indeed said it was verify and still haven't received nothing, it not what they say I want proof and an actual letter from the court not off the public record that can be from anyone with my same information, I have spent money, and my mental peace is incontrollable from the way TransUnion is handling this situation. They hung up the phone in my face and lied to me. I have the evidence from the disputes and the court and also the letter certified that I mailed out to them and will be attaching them here. I will also be attaching my two credit reports from XXXX and XXXX that shows the bankruptcy are no longer on them because they were removed. I would like to know the method of verification that TransUnion uses because this is the only agency that is giving me trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX Ive been trying to get this inaccurate information removed. Please help!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in 2019, a car lease was opened in my name I and have not been able to resolve this matter. I have reached out to the credit agencies as well as the leasing company with little to no help. This has ruined my credit worthiness and reputation. I am in hopes, that this can be resolved amicably. Please see attached documents as it includes my complaint and my identification, I'm requesting that this account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life
Product: Debt collection

Updated I.C. SYSTEM, INC Account XXXX I've disputed this debt and yet it keeps coming back it's mine. The debt itself is for medical services. I have now and had at time of the noted debt insurance which I already sent documentation of. My insurance is provided by XXXX and I have no share of cost. I didn't visit any emergency treatment on the date in question, and if I had I would have used my insurance benefits. I have 3 of these on my account so.c system XXXX XXXX ( which I never heard of nor is there one in my city of residence ) and the last one isn't mine. I want these off my credit report. If you need copies of my insurance for the dates these were all established on please let me know so I can submit more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.
Product: Mortgage

XXXX   XXXX  IS A GRANT TO HELP STRUGGLING HOME OWNERS AND YOU DID NOT PARTICIPATE IN THE PROGRAM. I AM AWARE THAT YOU DID NOT HAVE TO PARTICIPATE. BY YOU NOT PARTICIPATING PUT ME AND OTHERS IN A TIGHT SITUATION FROM A STRUGGLING ECONOMY AT THAT TIME. YOU STATED THAT YOU ARE NOT GOVERNMENT SPONSORED. HOW CAN YOU NOT BE? YOU DID LOAN MONEY FOR MORTGAGES, YOU WERE A FINANCIAL INSTITUTION. SHOULD N'T YOU BE REGULATED BY THE GOVERNMENT? MOST FINANCIAL INSTITUTIONS ARE. WHAT KIND OF INSTITUTION ARE YOU? BY YOU NOT PARTICIPATING CAUSED DAMAGED TO A LOT OF PEOPLE PROBABLY, PROBABLY ESPECIALLY TO  XXXX   XXXX  AND OTHERS OF  XXXX . LIKE YOU SAID YOU DO NOT HAVE A RECORD OF ANY OF YOUR EMPLOYEES BEING RUDE, BUT THEY WERE, I DID NOT EXPECT YOU TO ACKNOWLEDGE THAT. I WAS TREATED RUDE AND GOT THE RUNAROUND. YOU DID NOT HAVE THE DECENCY TO SAY I APOLOGIZE IF YOU WERE TREATED RUDE. YOU DID CAUSE ME DAMAGE WHEN YOU SERVICED MY LOAN. I AM NOT SATISFIED WITH YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. TransUnion is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 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 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 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX XXXX XXXX account that are NOT mine, XXXX was open X/2016. This needs to be removed it is fraud and again NOT MINE