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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX XXXX XXXX Balance : {$36.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} ; DEPT OF ED XX/XX/XXXXXXXX  ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency ( CRA ) w as contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,  2017. In the  letter I cited FCRA Sec tion 609 ( a ) ( 1  ) ( A ) requesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX ,  2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX  , 2017, requesting the method  of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), the  CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via cer tified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a third  dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) . The CRA has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I sent a writt en letter to the CRA explaining that the account numbers for one of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, press re lease titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
Product: Debt collection

I initially received some communication from Portfolio Recovery regarding a debt owed. I requested detailed validation of the debt to review the records but they simply just sent me a one page notice on their letterhead but nothing from the actual source. I also took note that Portfolio was reporting to the credit reporting agencies that I have a one month term with them which I do not, nor have I ever agreed to such. In addition Portfolio is stating they are the creditor of this account which can not be factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information in my report. Accounts : XX/XX/XXXX {$800.00} XX/XX/2021.XX/XX/XXXXXXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXX XXXXXX/XX/XXXX # XXXX
Product: Debt collection

I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I requested a signed agreement and other supporting documentation. They in return provided me with billing statements which does not prove that I am obligated to pay them. They have/are reporting delinquent information to the credit bureaus which I am asking to be deleted. Documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several completed investigations that Equifax is not letting me view on line like I have a right to do. As you can clearly see from the attached files these disputes have been completed but I have no way to view the outcome. There is supposed to be a PDF file that displays the out come but it is not there. Equifax did this deliberately to keep me from knowing the out come of their investigation out of retaliation for filing complaints against them. The evidence is apparent from the attached documents. The file called Proper results is how the investigation is supposed to be. They are supposed to attach a PDF of the results. Its clear Equifax did not do that.
Product: Mortgage

Our mortgage is thru PNC, we have attempted to remove the PMI insurance repeatedly. According to the XXXX County board of equalization statement ( property taxes ) we receive yearly we have had the required 20 % equity in our home for over a year. 
We first contacted PNC by phone in XX/XX/2019, we were told that our account would be sent to the appropriate department. We never heard or received anything. 
We called again one month later ( XX/XX/2019 ) and the rep said that if we waited one month our PMI would automatically be removed as we would be at the required 20 %. 
When we called again now 2 months later ( XX/XX/2019 ), We were told that we were only at 18 % and if we we wanted to remove it we would then need to pay for an appraisal from their authorized people. At a cost of {$500.00} to us. This was the first time this was mentioned. 

We have the Property Market Evaluation and a Competitive Market Analysis ready for review.
Product: Credit reporting or other personal consumer reports

I filed a complaint over 30 days ago about the false reporting of my bankruptcy to my credit report bankruptcy case XXXX XXXX XXXX XXXX, XXXX # XXXXit was never reported to them and they have failed to provide proof to the cfpb and are violation of my rights.
Product: Mortgage

RE : Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) For purchase of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I XXXX XXXX, was granted a Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) in XXXX XXXX for a principal amount of {$140000.00} at 5.125 % 30yr term, for the purchase of a duplex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. The first payment due on XX/XX/2003. 
The first communication in writing from HSBC after the mortgage was granted, is a letter in response to my enquiry about using Electronic Funds Transfer program to repay Mortgage # XXXX. XXXX XXXX, HSBC Mortgage Cashiering Specialist letter would indicate that for payment purpose the Mortgage account number as XXXX. We did not worry about it as we recognized, the number as a diminutive of the real loan number ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) { the missing numbers being shown in bracket } UNTIL NOW. 
We received a letter dated XXXX XXXX advising us that HSBC has XXXX XXXX XXXX  XXXX ( " XXXX XXXX XXXX '' ) and that the current account # XXXX is changed to the New Account # XXXX. No reference was made the current account number is the number for accounting purposes that represent the Mortgage Loan # XXXX date XXXX XXXX. 
On XXXX XXXX an HSBC Loan # XXXX was approved for a principal $ XXXX 3.5 % 15yr term, from which {$110000.00} was used to pay off Principal balance on Loan # XXXX with " XXXX XXXX XXXX  '' the Original Mortgage # XXXX not being mentioned again. 
As the response we have received Form HSBC Mortgage company and XXXX XXXX  XXXX XXXX have been in slightly different terms " Since the loan have been paid-off, we do not have access to the files anymore ''. We respectfully request that Mortgage # XXXX be taken off the books OR marked as being Paid in full. 
Uploaded copy of HSBC XX/XX/2003 letter with " Subject : Mortgage Account Number XXXX and the Monthly Mortgage Statement clearly outlines all the condition in the Mortgage loan # XXXX. We submit that both account numbers are referring to the same loan. It follows that all the other subsequent loan numbers link back to Mortgage loan # XXXX. 
As such, the XX/XX/2003 Mortgage loan # XXXX has been paid in full in XXXX XXXX and should be recorded accordingly. 
Sincerely,
Product: Credit card

Sir / Madam, I was informed by American Express credit card company that an American Express gold card was opened in my name and I believe 2 flights were purchased on the card ( Information was provided by American Express ). From what I have understood, there was a domestic flight and an international flight purchased. Currently the card has an outstanding amount of {$55000.00}. This card was opened on XX/XX/year> as per records on my credit report. 

I never opened this card, I did NOT authorized it and had no knowledge of this card being opened. As per the flight charges on the card, I have informed American Express that I did NOT fly on the said destinations. 
I have now disputed these charges 3 times but my dispute is rejected every time. 
After my last dispute, the American Express agent did say to file a police report which I have done. The Police report was filed on XX/XX/year>. The case number can be supplied upon request ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). It has been uploaded to this complaint as it is public information The wording in the police report is a bit incorrect as it states that American Express contact me on XX/XX/XXXX. That is not the case. That is the date that the account was opened. 
. 
I also checked my credit history and do not see any hard-pull of credit. I do see a soft pull, and how American Express could offer a card with that much limit without a hard pull is beyond me. Regardless that is the situation now. 

American Express keeps stating that I " Benefited '' from the card usage. I keep stating that I did not, as I NEVER opened this card, and NEVER applied for this card and never traveled with any purchases made on any American express cards. 

I am now hoping that CFPB can help me resolve this matter ASAP as I do not see American Express being able to resolve this in a timely manner. I need to apply for a loan and because of this issue, my credit score has gone down.
Product: Credit reporting

I have a number of inquires on my credit report which I did not authorize, I keep calling and disputing Equifax and they are constantly giving me the run around. As of right now I have XXXX inquires on my credit report which I did not authorize and they keep coming back verified when I dispute which is not true. This has caused much harm in my credit score and I just want these inquires removed from my credit report. They are from, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX Bank, XXXX XXXX Loans, XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, there is also XXXX that does n't even have a name by it but a date of XXXX/XXXX/2016 and I have not applied for any type of credit on that day. Since I can not get any corporation from Equifax with removing these unauthorized inquires will you please help me in this matter.
Product: Credit card or prepaid card

I have had a credit card with Citibank since 1994 and my interest rate has only gone up and up. it used to be an employee account with a reduced rate. I currently carry close to $ XXXX in balances and the rate is prime plus 16.74 for a total of 21.74. I hold other cards at a credit union that charges 10 %, XXXX ( which is also through Citi ) that charges 16 % and XXXX that charges 14 %. However with my old account they will not budge. 
They could not give me any basis for how prime was 5 % yet the 10-year treasury rate and fed funds rate have been below 3 % for years. It is also XXXX points higher than the federal reserve reports for " consumer credit '' https : //www.federalreserve.gov/XXXX I asked to have my account reviewed for a reduction and they said they could not reduce. I asked when the last time the account was reviewed and the representative ( XXXX  - she would not provide an operator number or any additional identifier ) could not tell me. She said she has no history of the rate ever bring reduced only increases. I asked whether the account could be reviewed for a decrease and she said no program is currently available to do that. I asked how frequently it was reviewed and at first she said she did not know so I asked to speak with a supervisor. XXXX ( supervisor ) came on the line and said my account is reviewed in XX/XX/XXXX and XX/XX/XXXX and then said I should wait until XX/XX/XXXXto try again. My FICO has certainly increased and decreased in the last decade and at no time has my rate ever been adjusted downward and I believe I have paid an excess rate of about 7 % during that time period on balances between $ 15K- $ 20K I would like your help getting this overcharge corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX & XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Product: Credit reporting

SHOWS LATE PAYMENT ON ACCOUNTS THAT ARE CLOESED.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion due to their failure to respond to a dispute letter that I mailed on XX/XX/XXXX XXXX via USPS certified mail with tracking number XXXX. In my dispute, I requested a thorough investigation into several inaccurate items on my credit report, including 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  and a Bankruptcy listing. 

To assist TransUnion in verifying my identity and address, I diligently included a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Regrettably, I received a response from TransUnion, dated XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response raises concerns as it suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It appears that TransUnion has not fulfilled this obligation, resulting in a violation of my consumer rights.
Product: Student loan

My loan was transferred from XXXX to XXXX XXXX XXXX, and all paperwork was lost. They are quoting that I owe more than when it was transferred, although I have paperwork from XXXX from 2016 on what the loan amount was. They are nothing but XXXX when you call to try to get any information, and they have told me numerous times that files and records were lost when they took over XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Bank of America for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by XXXX XXXX XXXXXXXX and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect XXXX XXXX XXXXXXXX to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Product: Credit card or prepaid card

I noticed a fraudulent credit card in my name and I contacted the bank and told them I never applied and its still on my credit report ( XXXX ) and I send in some documents and I never heard back from the fraud department and I call and left a message and never heard back and I have the account number that was opened up in name and I didnt applied for this card and it has a outstanding balance of 2,000
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX, I disputed with ATG Credit two items on my XXXX  Credit Report that were sent via certified mail. ATG Credit never replied within the time frame allowed. On XX/XX/XXXX I disputed with ATG Credit again regarding the two items on my XXXX  Credit report, ATG Credit did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX 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 : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

On many many occasions we have contacted the finance company and gap Insurance company to try to resolve the issues and each and every time has been a failed attempt to correct. In XX/XX/2014 we purchased a XXXX from XXXX XXXX in XXXX NC and within a short period of time the vehicle was totaled in a car accident on XXXX XXXX in XXXX which for starters wasn't our fault and in the process of the insurances handling their business we somehow ended up with a {$600.00} +/- fee on our hands. Ironically enough we purchased a 2nd vehicle from the same dealer just a used car this time instead of new and the issue of the outstanding balance came up and we financed the extra and it never was applied and it is now on our credit reports and when I disputed it with XXXX after all these years it somehow went to {$780.00}. Then the used car we purchased we had for roughly 3 years or so and it got totalled as well and it was also fully insured and had gap coverage as well and somehow we got stuck with a {$6800.00} balance which is now on our credit reports. My wife got them to remove it on her XXXX but it still shows on her XXXX, and it shows on both for mine. We really don't see why we are the ones being shafted when we took all the proper steps to make sure we were covered in case of these types of events. I/we own a business now and these type of problems are really holding me back as lenders look at this as a repo. We really need some resolve. Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiry XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate.

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX  XXXX Account Number : XXXX The date last active day is wrong. 

Account Name : XXXX Account Number : XXXX This is not my account. 

Account Name : XXXX XXXX Account Number : XXXX The date last active is wrong. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  FINAL BILL ) Account Number : XXXX Not my account. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Numbers : XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX  XXXX, MD XXXX Wrong Employer : XXXX XXXX Current Employer : XXXX XXXX XXXX