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

I am writing to bring to your attention a serious matter regarding the violation of my privacy rights under federal laws and regulations. It has come to my attention that the credit bureaus Transunion and XXXX have failed to comply with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), and also have violated the 15 U.S. Code 6802, and 15 U.S.C. 1681 sections 604, 607, 610, and 621. I have attempted numerous times to resolve this incorrect reporting of my consumer credit information and they have failed to comply even after having many phone calls and speaking to several supervisors they still after I had clearly pointed out their many mistakes did not comply with the FRCA and the 15 U.S.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/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: Mortgage

On three separate occasions, I have sent extra monies to Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Extra monies were earmarked for Escrow only ( XXXX XXXX ). This amount was applied towards principle although it clearly stated in the memo selection, ESCROW ONLY. In XX/XX/XXXX, the same thing occurred although this time, it was listed as PAYMENT UNAPPLIED. Date was XX/XX/XXXX. It was finally rectified on XX/XX/XXXX. I advised then that I would file complaints if they didn't get their act together. The persons involved in applying these payments needs to pay careful attention to what is in the memo section. Same thing before on a principle payment prior to XX/XX/XXXX. Three payments, all applied to the wrong account portions. I should not have to contact Homepoint each snd every time that i send extra monies because someone is derelict in their duties.
Product: Credit reporting or other personal consumer reports

I paid off several items on my credit report in order to build my credit score and Experian is still keeping my credit score low, but it shows on my report that I have been paying off debt and paying on time payments, but my score is still low and no progress whatsoever. I called Experian on XX/XX/2024 and spoke directly with a Supervisor whom admitted to me that they were had a problem correcting my credit score and that he would take care of the problem and that my updated score will take 48-72 hours to reflect a higher score on my credit and it has now been 5 exact business days 120 hours later and nothing has changed, I feel discriminated against because I'm XXXX XXXX  and we always experience this type of mistreatment, I called XXXX  and am currently being placed on hold and hung up on by their customer service reps and another Supervisor keeps avoiding coming to the phone, finally someone name XXXX from the Fraud Department came to the phone. I never contacted them about anything concerning fraud but at this point I don't trust them and feel like I'm going to have a problem with my credit and identity.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$240.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$960.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with Experian, XXXX and XXXX for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

Experian Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX Experian, XXXX and XXXX has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.
Product: Payday loan, title loan, or personal loan

This company offers a line of credit called the flex loan. When I draw money, it says my monthly payment is for example, {$240.00} for that amount that I drew. At first, they charge only that amount. The next month they add on what they call it a customary fee, which takes my monthly payment from said amount of ( example : {$240.00} ) to now over {$1000.00} a month in monthly payment. How is this legal? This is robbery!!! The amount of this customary fee was never disclosed at the time of drawing and never disclosed in truth in lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX  XXXX have 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 an account without my written instructions.
Product: Student loan

I applied for XXXX originally back in XXXX, and then again last month as apparently that application was " lost '' in the switch between Mohela servicer websites. I recently received a letter saying I was placed on forbearance due to the XXXX litigation and would have 0 % interest building during this. This morning at XXXX XXXX XXXX, I got another letter saying I am on forbearance and interest WILL BE accruing. This is not what we were told would happen due to the XXXX plan litigation halting things and moving us to forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached. I would like to be compensated XXXX per violation about this XXXX XXXX XXXX XXXX XXXX Date Opened, Date Reported, Date Last Active should be the same. 15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of e-oscar are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.
Product: Credit reporting

I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
Product: Credit card or prepaid card

I am writing with respect to an unauthorized fraudulent charge on my Chase Sapphire credit card ending in XXXX ( formerly account ending in XXXX ). 

On or about XX/XX/2023, I was traveling to XXXX, XXXX and unbeknownst to me a taxi driver made an unauthorized charge on this account in the sum of {$5100.00}. Both myself and my traveling partner XXXX XXXX XXXX discovered that we were charged the same amount. Both our credit cards cards were scanned illegally by a taxi driver while we had them out of our wallets so the driver could see if they would work to pay a {$60.00} cab fare. None of our credit cards would work so I went to an ATM and withdraw enough XXXX XXXX  to pay the taxi driver in cash. Shortly after the taxi cab driver left, we both received notifications on our phones. I received a message from XXXX XXXX that there was a charge on it by XXXX XXXX XXXX for {$5100.00}. I contacted XXXX XXXX and they immediately reversed this fraudulent charge. I then checked my Chase Sapphire card and the very same amount of {$5100.00} by the same company had been placed on my Chase credit card ending in XXXX. I contacted Chase and was told that this would be resolved immediately. 

On XX/XX/2023 I received a letter from Chase stating they reversed this credit and that the transaction is valid. In addition to me being charged this fraudulent charge by XXXX XXXX XXXX in the amount of {$5100.00}, XXXX XXXX also had this exact same charge on his Chase Sapphire credit card. As a result, this fraudulent charge was made XXXX times on XXXX different cards, XXXX of which are Chase Sapphire credit cards. It is my understanding that Chase has reversed XXXX XXXX fraudulent charge, but they have not reversed the fraudulent charge on my Chase Sapphire credit card. I never authorized this transaction, nor was it authorized by anyone who was an authorized user of this account. Although I still had the credit card in my possession, the credit card number was fraudulently absconded by the taxi driver in XXXX. On XX/XX/2023 I received a letter from Chase asking me to complete a Dispute Report Form. This Dispute Report Form was completed and sent to Chase on XX/XX/2023. Then on XX/XX/2023 I received a letter from Chase stating that " the transactions you disputed are valid. '' My late wife and I were Chase private client members and after my wife passed away, I have continued to maintain my elite member status with Chase. In the meantime, I have paid the minimum monthly payments on this credit card. 


I am hereby asking for your assistance in getting Chase to reverse this fraudulent charge to my credit card immediately.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

Company did not send enough information to identify those debts. The medical debt that's on my reports are damageding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personally, I'm writing to you. NO THIRD PARTY IS INVOLVED IN THIS DEMAND. 
This is not my first time alerting you to unfair practices. You verified these accounts without contacting me. The banking system relies on fair and accurate customer reports, and this is a big example of you being unfair. Without my consent, false information is reported. During your original investigation, your organization didn't tell me these inconsistencies would be reported. 

I'm letting you know that I've been a victim of error, which has made me distrust your company 's methods. Because of that, I will no longer extend my credit, and if this information is not erased, I will no longer enable you to record my information in your company 's database. 

I lost my reputation and credit due to your company 's mistake. 

Your company assumed that was accurate information without my, the consumer 's, or a competent court 's approval. So, you failed to initially investigate this information. You assumed this role and believed this information. ANOTHER VIOLATION. YOU CAN NOT ASSUME FOR ME OR ASSUME THIS INFORMATION WAS VALID. 

You didn't check this information and didn't act fairly. You didn't ask me if I made this transaction. My privacy was compromised, violating my private rights. 


In your original inquiry, you never offered me the chance to dispute this material was mine before you put it on my report. 

I will demand reimbursement for the harm your organization caused me by reporting incorrect information and that efforts are taken to prevent future violations of the Fair Credit Reporting Act ( 15 USC 1681 ). I also require a written confirmation. 

I'm writing again on my own behalf about these demands. There's no third party. I'm giving you another chance to meet my demands. My first attempt arrived via certified mail. Certified mail will be used for this attempt. 

I am invoking specified remedy as the original creditor and demanding the following : XXXX XXXX ACCOUNT # : XXXX I will allow you ( XXXX ) days to process these deletions, otherwise this will lead to much more damage.
Product: Debt collection

I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Company has continued to report fraud account to further hurt consumers score even with incorrect and invalid information. Upon debt validation company fraudulently reported debt as valid and meeting FCRA standards even while personal information belongs to another user and address is nowhere present on consumer credit report, company failed to give a debt validation letter as well and continued reporting invalid debt. Company refused to run disputes and is well are they are breaking the law by failing to for so but state they ran disputes so they no longer need to in the attached document will see the false information and if information is matched with my consumer file you will see it does not match. File should be DELETED and company should be flagged for reporting false charges and harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of 2022. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX XXXX XXXX  account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

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

In 2016 I filed chapter XXXX bankruptcy in the XXXX Federal Court and it was ordered closed and transfered by Court order to the XXXX Federal district. In XXXX of 2016 the XXXX Court ordered the case discharged and closed. For about a year I have been disputing with transunion who is reporting XXXX bankruptcy in the " Filed Open '' status and the XXXX bankruptcy as discharged. Transunion states it is their outside vendor " XXXX XXXX '' who is reporting to them that the case is open, but I obtained a case number for XXXX XXXX who confirmed that they are reporting " Closed and Discharged " XXXX XXXX furnished a direct number to the XXXX bankruptcy clerk who also confirmed that in the Federal database it shows " closed and transfered " Transunuion is still to date informing me that the XXXX case is reporting accurate as " Filed and Open '' and continues to claim it is " XXXX XXXX  " who is reporting to them " Filed and open '' I have given them 2 Federal orders from the judges who presided over the cases that the XXXX case was ordered closed and then an order from the XXXX Federal Judge that the transferred case was sent to his court and subsequently discharged and ordered closed, I also had my bankruptcy attorney submit to them on letterhead explaining the XXXX case being closed.. 

Transunion is still ... with all the evidence provided stating that they are reporting the accurate information as to the XXXX case being opened. 

I have lost my financing for a semi truck to operate my company and lost a contract due to a Bankruptcy that is inaccurate on my transunion report showing filed Open when it is federally ordered to be closed.
Product: Debt collection

This company calls from XXXX a.m. to XXXX p.m. constantly, both cell, my daughters cell, and my home numbers. They will not work with you and will not set up affordable payment arrangements. I informed them I am not and did not co sign for the student loan yet they insist I did. They will not work with my daughter who is having severe financial difficulties. She is willing to pay but they want her to pay more than she makes in a month. They told her they do n't care if she eats or not and they do not care that she has other bills, a baby at home, daycare expense, etc. We have tried to block the number but then they call from another number. There are many numbers associated with this company and it is impossible for us to block them all.