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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!
Product: Debt collection

Convergent Outsourcing Inc has been trying to collect a debt that I do not owe ( from a XXXX bill ). I have sent them three letters ( certified ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting them to validate such debt. COI response has always been " we have completed our dispute investigation ... .debt is valid '' and they attach a XXXX Bill dated XX/XX/XXXX. This document does not verify the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX easy pay deal and it said I was not approved due to applicant being deceased. I am very much so alive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. XXXX continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my 4th time contacting Transunion about this unauthorized inquiry that has been placed on my credit report without my consent/permission. 

I have been calling since I noticed the inquiry in XXXX. Each time I am told " there is nothing we can do. '' I have written letters and each time I am ignored and no proper investigation is conducted. 

The last letter was sent XXXX certified mail on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX. I am restating the fact that I DID NOT apply for credit with XXXX XXXX nor is there an account in my name with XXXX XXXX. 

The inquiry placed on my consumer report on XX/XX/XXXX should be deleted. 

I have asked for a formal investigation into the inquiry, but to date I have not received this right afforded to me. 

As such I am asking for statutory and punitive damages be awarded to me for TransUnions willful choice to disregard my legal rights under FCRA for accurate consumer reporting. 

I am including a copy of the certified letter sent to Transunion asking them to investigate the inquiry. It was received by them on XX/XX/XXXX at XXXXXXXX XXXX according to XXXX tracking. 
I am including a copy of the certified mail receipt I am including a copy of Transunions response which did NOT include results of an investigation that I requested. 

They have continuously willfully ignored my requests for an investigation and accurate consumer reporting.
Product: Mortgage

Hi, I sent payment to LoanCare Mortgage via my XXXX XXXX on XX/XX/XXXX incorrectly. My mortgage with LoanCare was closed in XXXX. I was supposed to make the payment to XXXX XXXX. I called LoanCare Mortgage on XX/XX/XXXX to inquire about the payment and spoke with XXXX. She indicated the payment would have been " rejected '' and to call my bank. I spoke with XXXX on XX/XX/XXXX who indicated it was an electronic transfer of funds and the electronic transmission was successful indicating LoanCare received the payment on XX/XX/XXXX. I attempted to contact LoanCare Mortage again and was on hold for 12 minutes before speaking with XXXX. She is indicating the payment was not received.
Product: Mortgage

This is literally the only way to contact Loancare , LLC, unless you want to spend over an hour on the phone and not have your issue resolved. The company needs to provide a help email or a contact person. 

Per my prior complaints, I have returned the {$5300.00} to Loancare, which they mistakenly sent to me. However, my next payment is still {$100.00} higher than my payment prior to my loan being transferred to Loancare. I would like them to conduct another escrow analysis and finally get this corrected. Additionally, a contact name or email would be appreciated.
Product: Debt collection

I mailed a dispute letter with Jefferson Capital Systems to validate a debt. This took place XX/XX/2022. Ive been sick & forgot about things as my health was more important. To date I havent received a reply back to validate this debt of over {$1400.00}. Its been well over 30 days & I should have received some as per law. I will mirror this letter and send a copy to the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Bankruptcy on my credit profile since XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. i have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation of my character, and this is a federal law violation. According to, 15 U.S.C. & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agencies to promote my privacy and fairness and they have not. This is not right and goes against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishers of people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed, immediately.
Product: Credit card or prepaid card

To Whom It May Concern, I booked a reservation to rent a vehicle thru XXXX ; the actual car rental company was XXXX, and XXXX is brokerage company. The amount was {$350.00} charged to my American Express on XX/XX/XXXX, XXXX for vehicle rental for the first week of XX/XX/2022. When I called XXXX to confirm our reservation prior to departure to XXXX, XXXX from XXXX, I was told that my reservation cancelled. So I had to rent/book a vehicle with another car rental company. Nevertheless, XXXX still charged me for {$350.00} When I called American Express to dispute the transaction after I got back from my trip to XXXX in XX/XX/2022, I was told by American Express that I have to try to resolve the issue directly with the XXXX. I took advice from American Express and I attempted to reach out to XXXX multiple times ; unfortunately, it did/does not have valid email or XXXX number for billing department and/or public relation so I could dispute myself with XXXX 

As the negative result from XXXX, I reached out the American Express 4-5 times, to dispute the transaction ; unfortunately, the American Express refused to help me with the issue because the transaction has been over 60-day window. 

I wasn't aware such a law that required a dispute must be submitted in writing within 60-day. Moreover, the reason it is over 60-day window because I took advice from the American Express to dispute by myself. 

I am exhausted with all the options ; thus, I am reaching to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and hope the Agency can help me with the issue. Thank you in advance for your help and time.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.
Product: Money transfer, virtual currency, or money service

I have a check written out to me for {$6000.00} that is from Chase Bank. It is a third party check, as a payment from a customer. Chase bank in XXXX Ca XXXX and XXXX Ca XXXX both refuse to cash the check because I don't have an account with them. I showed two forms of ID, and the writer of the check was willing to verify her information and the information on the check. The check was written yesterday and the money is in the cleints account. Its Their check and the money is in my clients accout. They are witholding the money from me. They cant even back up their own check, so the check is basically garbage then. What type of bank doesnt cover their own checks!? Thats what they're there for
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is in fact causing injury to not only my well being but to new credit. I am not able to acquire new credit based on the false invalidated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on X/XX/2017 via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.
Product: Credit reporting

Hi, I have tried now 7 times to get my date of birth corrected. It stays corrected for about 1 to 2 days and reverts back to the wrong birthday. The most recent Equifax dispute numbers are XXXX, XXXX and XXXX. Again it was corrected for 1 day and reverted back. I filed a CFPB complaint XXXX and again it was corrected but reverted back in 1 day. I have spent several dollars trying to correct this and buying credit reports. What will it take to fix my birthday to XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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: Mortgage

Our Mortgage is currently with PNC Bank. The escrow analysis was done incorrectly. They estimated our city tax to be the exact same as our county tax. County Tax is approximately {$1600.00} more than city tax. I have called to have them do another analysis and sent them the current city tax bill. They conducted another analysis with no change. They also paid the correct, lower amount, city tax bill out of the escrow account. We have contacted them several times trying to get this fixed. They always reply it will only take a day or two to complete then it will be fixed. We have been trying to correct this XX/XX/2020. This is impacts our monthly payment making it higher.
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 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, Equifax '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 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am seeking your support to address the incorrect account listed on my credit report. This concern has harmed my standing as a customer, and I request your help to remove these accounts due to their inaccurate and harmful nature.
Product: Credit reporting or other personal consumer reports

As I am trying to clean up my creidt report to get my finances in order, I requested my creidt report from XXXX. As I am reading it and trying to understand I need to do to imporve my credit I see many hard inquires that are not mine, I dont recognize most of them. I am asking for help to remove them from my credit report. 
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: Credit reporting or other personal consumer reports

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. XXXX kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.XXXX  are the relevant documents supporting my assertion.
Product: Credit reporting or other personal consumer reports

Sears/ Citi retaliated against me for a prior complaint and closed my Sears Mastercard account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( https : XXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the fiduciary debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

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

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer reporting agency XXXX, Equifax, and XXXX is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.