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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Failure to report my credit to XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts is accurate, without providing any proof of thorough investigation. This practice violates the Fair Credit reporting ACT ( FCRA ), 15 U.S.C. 1681-1681x which mandates a reasonable investigation of disputes.Furthermore, equifax actions may also contravene the Consumer Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted i the CFPB 'S recent administrative proceeding ( file No. 2025- CFPB-0002 ) 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.These are the accounts that I marked as inaccurate : XXXX andXX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, 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

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Statement to CFPB Regarding Experian Credit Report Errors I am filing a formal complaint against Experian regarding multiple inaccuracies on my and my husbands credit reports. Despite a federal stay issued in conjunction with our bankruptcy filing, Experian continues to report late payments and past due amounts. These errors are in direct violation of federal law and our rights as consumers. 

We filed XXXX  XXXX bankruptcy Case # XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX the Complaint : XXXX. Filing Bankruptcy and Federal Stay : We filed for bankruptcy on [ Date of Filing ], and a federal stay was issued, prohibiting creditors from reporting negative information during the bankruptcy process. 
XXXX. Inaccuracies : Experian is inaccurately reporting late payments and past due amounts for several accounts, despite the federal stay. 
XXXX. Supporting Documentation : Attached are copies of our bankruptcy filing, the federal stay order, and our Experian credit reports highlighting the errors. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C. 1681c ( a ) ( 1 ) : States that information regarding bankruptcy discharge should be accurately reported and not show any debts as past due.

2. Automatic Stay Provisions of the Bankruptcy Code - 11 U.S.C. 362 : The automatic stay prohibits creditors from continuing collection activities, which includes reporting inaccurate negative information to credit reporting agencies.

Request for Resolution : 1. Immediate Investigation and Correction : We request an immediate investigation into the inaccuracies on our Experian credit reports and the correction of all erroneous late payments and past due amounts. 
2. Notification to Creditors : Experian should notify all affected creditors of the inaccuracies and ensure they correct their reporting.

3. Updated Credit Reports : We request copies of our updated credit reports once the errors have been corrected.

4. Confirmation of Compliance : Experian should provide written confirmation that they are in compliance with FCRA and bankruptcy code provisions regarding the reporting of our accounts.

Impact of Errors : These inaccuracies have significantly impacted our creditworthiness and have caused undue stress and financial hardship. It is crucial that Experian adheres to federal laws and ensures the accuracy of our credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : XXXX Email : XXXX Attachments : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i applied for a Best Buy credit card to get 12 months free financing and was denied for the card but offered one that charges an annual fee of {$59.00}. i refused and paid in cash for the purchase. i received a denial letter in the mail with the reason for the adverse action as " Insufficient Credit Experience ''. This can not be correct. i pulled my XXXX report and i have 24 years and 6 months of credit history, not to mention that i have had at least two prior Best Buy credit cards just to get the free financing that have since expired because i don't use them. i have never been late making a bill payment and my credit is excellent and my income is good. I'm sure i was targeted because of my income and credit history for a high fee card. This is unacceptable and totally against any consumer compliance regulation - Fair Lending - Reg. B. i tried contacting CitiBank ( the number on the adverse action letter ) only to get a run around. it's totally automated and there is no option to ask about the reason for denial other than to get a copy of my credit report, which i did. This confirms the length of my credit history.
Product: Mortgage

SLS is attempting to foreclose on my home with a fraudulent robo signed assignment. 
The assignment was created after the cut off date of the of the pooling and services agreement filed with the United States Securities Exchange. I also removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Series as my Attorney in Fact with XXXX Co because I want due process of Law which I am entitle. I have sent a QWR, and a debt validation letter, and neither has been responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Transunion report, and I noticed a late payment posted on my credit report : XXXX XXXX auto finance for the month of XX/XX/2024 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Debt collection

constant throughout the day every day the phone rings from XXXX to XXXX, no messages left, even if we answer the phone no one is there, they are a debt collector, we owe no one any overdue debt. The phone ringing for no reason is annoying daily and want it to stop. The number calling is- XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; AXXXX XXXX XXXX XXXXXXXX, FL Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/XXXX I took a Parent Plus loan for my daughter to attend college. I borrowed {$21000.00} I have paid back {$31000.00} over 20 years, which is 50 % more than I borrowed. During the course of the loan I had to get forbearance and deferment due to lack of work and reduced wages. When I called to discuss this they did not disclose the amount of interest that would accumulate over the course of the loan. I am now retired and living on social security which makes it difficult to make the large payments they are requesting. Today the balance of this loan is {$61000.00} not being paid off until XX/XX/XXXX paying back a total of {$100000.00}. It does not seem practical that I should have to pay back 5 times the amount of the loan. I feel that I have satisfied my debt. I think they should forgive the balance of the loan.
Product: Debt collection

On XXXX, XXXX a XXXX XXXX account was opened in my name and it was not me. In opening this account their was a debt for over {$3000.00} that is on my credit and went into collection and it was not me thayvwent a started service with XXXX to have owed them any money. The account was open XXXX, XXXX and closed on XXXX. It was open for less then 1 year and it was not myself that had opened the account to begin with
Product: Debt collection

My information was released in a data breach all My information was exposed now I have all these different account were created with my information
Product: Credit reporting or other personal consumer reports

Experian keeps reporting fraud on my credit report. I provided my ftc report and I showed that all of this was fraud. I spoke to a representative who was not from this country and he didnt understand me canceled my dispute and then I had to call and redispute it there is an identity alert on my report please have them remove my fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my boyfriend sent me {$10000.00} through venmo because he was unable to get the money out of his account. So, we tried mine and it worked at first. Then the day after, XX/XX/XXXX, I got an email saying my account was frozen, so I called and the customer support service man said I could transfer the funds still as a standard transfer so I did. Only one transfer went through and the other two transfers did not. I contacted the company again and sent them all the information they asked for in hopes theyll unfreeze my account, wrong. They would not give me any sort of answer until I called multiple times and all the customer service phone people did was make requests and special notes. Then today, XX/XX/XXXX, I called again and they were telling me theres nothing they can do for me as my account was closed. I asked them to send me a check with all of my money and they said they need 180 days to review the transactions and then theyll decide if my account should be reopened or not. We needed that money as we have bills to pay and to support ourselves. This company is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

As referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit cards, utility accounts, wireless cellphone accounts and online personal loan accounts. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. Please remove the aforementioned fraudulent items from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting

I have sent several letters requesting reports as well as trying to dispute letters. I have not received any reply from any of the bureaus
Product: Debt collection

I filed for chapter XXXX bankruptcy in XX/XX/XXXX and all debt was discharged as of XX/XX/XXXX. Ad Astra Recovery Services had listed my account as being in active collections on XX/XX/XXXX despite knowing that the debt had been discharged. I disputed it and they removed it from my account on XX/XX/XXXX. Once the claim was closed they immediately re-listed it on my credit report again on XX/XX/XXXX as being in active collections. I have notified my attorney of the fraudulent activity in preparation to pursue legal action.
Product: Credit reporting or other personal consumer reports

I asked Transunion and XXXX to investigate this account XXXX # XXXX on XX/XX/XXXX and then I asked for an reinvestigation on XX/XX/XXXX. This account XXXX # XXXX was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date of last activity is XX/XX/XXXX. XXXX the last date of activity is XX/XX/XXXX. On XXXX the account is not reporting at all. If the information is coming from the original creditor the date should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXt XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Online XXXX XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights.

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

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

Hello, My mortgage bank has been denying a few times to : 1- refinance 2.-several attempts of modification denials for no acceptable reason I also intended to apply for a program related to covid apparently a fair interest rate was to be in the process but was never completed, this has been rejected due to timing the institution caused, eventually higher and higher interest seems to be in their plans for my modification loan to be considered, I was born in XXXX, I'm an elderly getting approaching XXXX XXXX XXXX, I fell I'm been ignored maybe because my age, my lack of English and other facts such as not able to hire an attorney to defend my situation, people in that institution are very rude not polite and I can never get in contact with a " single contact '' that was supposed to be assigned to me. I just want to be able to retire comfortably with a mortgage payment that they promised me, I have been making my mortgage payments on time and I still receive threats of my home will face foreclosure. 
They are several documents that support my case available including contracts that they unfairly discharged, the name of the bank is Freedom Mortgage please advise. 

Thank you, XXXX XXXX
Product: Debt collection

Stallings Financial ( STALLINGS FINANCIAL GR XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX has reported a debt in the amount of {$2400.00} in which I have no knowledge of, as I have never done business with them. 

Please have them validate this debt with a signed contract they have between me and them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

EVER SINCE XXXX BANK HAS TAKEN OVER PAYMENT PROCESSING FOR MY BP VISA CARD, WE HAVE BEEN PLAGUED WITH LATE CHARGES. THEY SEEM TO NEED TEN DAYS TO PROCESS A PAYMENT SOMETIMES. I DONT HAVE THIS ISSUE WITH ANY OTHER BANK OR PROCESSOR. THEY JUST SEEM TO FIND REASONS TO CHARGE LATE FEES. THEY ARE CLEARLY SCAMMING PEOPLE. I HAVE CANCELED THIS CARD AND PAYED THE FINAL BALANCE OF {$1900.00}. I HAVE A PRISTINE FICO SCORE. I AM SENDING THE CUT UP CARDS TO XXXX AND BP TO LET THEM KNOW THAT THEY ARE DESTROYING THEIR BRANDS WITH THIS ABUSIVE PRACTICE. PLEASE INVESTIGATE. FOR EVERY LETTER LIKE THIS YOU GET, THEIR ARE PROBABLY XXXX THAT ARE GOING UN-REPORTED.