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

Experian XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian XXXX and XXXX is XXXX furnisher of information to a consumer reporting agency. 
Experian XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit. I have sent numerous letters requesting for Equifax to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests.
Product: Credit reporting or other personal consumer reports

I think under FCRA 605B, we are required to remove any incorrect accounts from my credit report. Could you check the documents? Some accounts have been inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 


I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : 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, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX   and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.
Product: Debt collection

This is now my XXXX time submitting a CFPB complaint about Conrad Credit Corporation. 
I filed a complaint on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. With no resolution!!! Complaint # XXXX that was filed on XX/XX/2021 Conrad Credit Corporation acknowledged that they reported a duplicate collection account to my credit file and advised that it would take XXXX days for both collections to be removed from my XXXX, XXXX and XXXX credit file however this has not happen. I have called all XXXX credit bureaus and they advised they have NOT received anything from Conrad Credit Corporation. I am tired of continuing to file a complaint and neither the CFPB or Conrad Credit Corporation has resolved my issue. You are reporting a duplicate collection which is inaccurate and per my consumer rights per the FCRA this must be deleted from my credit file. This is my last time attempt to resolve this matter with both the CFPB and Conrad Credit Corporation. I will not wait another XXXX days for this matter to be resolve. I will file for litigation immediately. Remove these collection accounts from my credit file NOW!
Product: Credit reporting or other personal consumer reports

Account info Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$160.00} Credit limit {$3900.00} Highest balance {$4700.00}
Product: Credit card

On XX/XX/XXXX my car was broken into. The person stole credit cards and used them at the same place, back to back to back. I filed a dispute on XX/XX/XXXX. On XX/XX/XXXX I provided them with a copy of the police report. The total charges on this card alone is {$9500.00}. XX/XX/XXXX, Bank of America informed me they are holding me accountable for the charges that I did not do.
Product: Debt collection

Portfolio Recov Assoc XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

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

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX CO XXXX Date opened XX/XX/XXXX Balance : - ; XXXXXXXX XXXX XXXX ( Original creditor XXXX T ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : 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  Inquiry : XXXX. XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Failure to Conduct a Reasonable Investigation and Frivolous Responses I am filing this complaint against Equifax for its failure to conduct a reasonable investigation of my disputes and for providing frivolous responses that claim an inability to verify my identity. Despite multiple disputes submitted through the CFPB and Equifaxs own online portal, Equifax has repeatedly failed to provide documentation proving it has conducted a legitimate investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Summary of Complaint Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Equifax has repeatedly dismissed my disputes with a generic response stating that it " could not verify my identity '' despite my submissions including all required identification. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) establishes that credit bureaus must do more than rely on furnishers and must conduct independent investigations. Equifaxs refusal to engage in a meaningful review violates this legal standard.

Frivolous Response and Lack of Proof of Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) I have requested that Equifax provide details on the procedures it used to verify the disputed information, but it has failed to do so. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ruled that credit bureaus can not escape liability by blindly relying on third-party furnishers. Equifaxs refusal to validate its investigative process mirrors the misconduct in this case.

Failure to Properly Investigate and Correct Errors ( 15 U.S.C. 1681e ( b ) ) Equifax continues reporting inaccurate information despite my repeated disputes and their failure to conduct a reasonable reinvestigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that consumers have the right to challenge inaccurate credit reporting and that agencies must take proper investigative measures. Equifaxs inaction directly contradicts this ruling.

Applicable Violations 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide documentation proving an investigation was conducted.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy in reporting. 

Additionally, XXXX has determined that four accountswhich Equifax continues to verify as accuratecould not be validated for accuracy and, in compliance with the law, has deleted them. PLEASE SEE ATTACHED
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Account reference # XXXX. Account # XXXX. Account # XXXX ( Partial account ) Date opened : XX/XX/XXXX. Account Type : Collections. Status : Collection account {$410.00}. Past due as of XX/XX/XXXX. Status update : XX/XX/XXXX. They said it was investigated and completed by a data furnished. This was sent by XXXX and XXXX. XXXX XXXX. This is being reported by all three credit bureaus. I'm not liable for this debt with XXXX. XXXX XXXX. I never had an account with this creditor and they only provided some of what I asked for in the letter ( validation letter ) it's been over 30 day going back and forth with phone calls then I started writing letters. 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 XXXXXXXX. I have repeat inquiry on my credit report too. I have my personal information on here I didn't give them permission to put that on here it's my privacy that's being violated.
Product: Checking or savings account

My unemployment checks were deposited to my Mother 's checking account at BBVA ( now PNC Bank ) for 10 months. I was never able to get to the bank with my mother to add me to the account, so I was not on the account. in XXXX of XX/XX/2021 the bank flagged the deposits and froze my Mothers account. That was understandable, I was not a signer on the account so my money should not have gone into her account. Lesson learned. 
We waited a few months expecting to get the closing balance but it never came. My Mom sat on hold every day on her lunch break for months trying to reach their Enterprise Fraud Department to get some answers as to what we should do. There were a few occasions she actually sat on hold for over 2 hours and spoke to a person who had no idea what was going on, a few CS Reps told her that they had mailed a check to her for the balance, another said the money was sent back to the Unemployment department, one told her she was lying as they claimed she had withdrawn the money herself. 
The date is XX/XX/2021, and still, they are giving her the runaround. Recently, My Mom was contacted ( after filing a complaint herself with CFPB ) by XXXX XXXX from PNC 's " Client Relations '' to figure this out. Well, fast forward a little more than 3 weeks and still, nothing has been done save for a few one-line replies to emails informing My Mother `` We are still researching this concern ''.

I mean what is the problem? Is there anyone who actually accounts for the money these people are for all intents and purposes, stealing from people? It's beyond ridiculous and should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my serious concern over a failure by TransUnion to comply with the requirements outlined by the Fair Credit Reporting Act ( FCRA ). As per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide a description of the procedure used to determine the accuracy and completeness of the disputed information following a dispute within 15 days of the initial dispute. 

I originally disputed certain items on my TransUnion credit report on XXXX XXXX but up until now, I have not received any information outlining the method of verification used to affirm the accuracy of the disputed items. 

Given that TransUnion has failed to comply with this requirement within the prescribed timeframe, I hereby request, as per FCRA Section 611 ( a ) ( 5 ) ( A ), that the disputed items be immediately deleted from my credit report. 

As I understand it, the obligation to provide this information and to subsequently delete the disputed items in the event of non-compliance is not discretionary but clear statutory requirements under the FCRA. I kindly request your office to investigate this matter. I have attempted to resolve this issue directly with TransUnion, but my efforts have not resulted in any meaningful resolution. 

I am attaching the relevant documentation that includes copies of my dispute and the responses received from TransUnion, which do not include the method of verification. I have also retained legal counsel to further evaluate my options, as it seems my rights under the FCRA are being violated. 

Your prompt attention to this serious matter is greatly appreciated. Please do not hesitate to contact me via email or mail should you require any additional information or documents. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XX/XX/XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and my personal and financial information has been compromised. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00}
Product: Student loan

Over the past few years, through requested audits and working with the CFPB and the North Carolina Department of Justice, Consumer Protection unit, I have tried to receive a fair evaluation of payments I've made to the PSLF program.

However, despite that, there are six ( 6 ) payments that still aren't counted as part of my overall PSLF eligible payments made that I believe should be considered eligible due to my conversations with Fed Loan Servicing phone representatives, who advised me each time I had questions about my account. These phone representatives took notes during each of our calls, and it is my belief that Fed Loan Servicing should look into those notes, which will verify that the following payments should be counted as part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX With Fed Loan Servicing sending student loan accounts to a new servicer this XXXX, I believe that this issue needs to be resolved prior to the transfer of my account. 

Thank you for your assistance in this matter. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email on XX/XX/XXXX Dear Fed Loan Serving, I wanted to provide my addendum regarding my request for an audit of my account prior to any transfer to my account to a new student loan servicer. Specifically, I would like a detailed explanation as to why the following student loan payments were *not* counted as part of PSLF counts, which is currently at XXXX/XXXX. It is my belief that based on guidance from Fed loan Servicing phone representatives, I followed the appropriate instructions related to payments for the following months and believe that they should part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX Throughout my experience with Fed Loan servicing, I have always turned to your phone representatives to answer any questions I had related to my payments, and believe that the 6 monthly payments should count toward my PSLF. 

Because of the urgency of this issue and the transfer of Fed Loan student loan accounts to another servicer in the next few months, I will be elevating this issue to the CFPB and the North Carolina Department of Justice, Consumer Protection Unit. 

Please conduct a diligent audit for the months noted above, so that this issue can be fully resolved before the transfer of my account to a new servicer. 

Thank you, and I appreciate all of your help in this matter. 

Best regards, XXXX XXXX