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

I did not consent to these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly remove them from my credit report. I have submitted supporting documents for your review.
Product: Credit reporting

I have disputed the information for accounts that were opened in my name  by someone who stole my identity.   You guys had removed the XXXX accounts for XXXX and reinserted them..  I will say this again.. Again.. And again..  I have never lived in New Mexico and I never went to the doctor in XXXX NM.  I have filed an identity theft report with the FTC and with the XXXX NM polcie Dept.
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. 

Account name : 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/DEPT OF ED # XXXX, Account name : XXXX - XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 my credit report has been erroneously erased with Equifax. I have called multiple times to notify Equifax, however because all the information in my report has been either misplaced due to a split file, ssn mistakenly deleted from my account, or outright erased, the automated phone tree can not verify my account and hangs up on me. 

This problem is unique to Equifax, as both XXXX and XXXX have the correct information going back to the start of my credit history. According to Equifax I have no credit lines open, no address information, no bank accounts, nothing. I have attempted many times to use the only line of communication provided, phone, to reach someone to speak to, however this never works as I explained above. 

The complete lack of outlets for communication, an insuferable automated phone tree which quite frankly should be illegal for lack of accuracy, and denial of communication, its all so appalling. This strange problem should not have happened in the first place had Equifax had good data managment systems like XXXX or XXXX. The fact they make it this difficult to contact a real person shows they are aware of the problem, they would rather ignore folks like me and hope we forget about it.
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage loan and my credit report was pulled on XX/XX/year>. Today, on XX/XX/year> my lender informed that Mohela is reporting that I have DOUBLE the amount of loans that I actually have. This has made my debt appear double what it actually is, which can seriously harm my chances of qualifying for a mortgage. I have disputed this with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reaching out regarding XXXX XXXX XXXX  in 2017. My mom applied with my dad as him the applicant and her the co applicant. They approve it with my dad living out of state with his income. When came to writing up the lease agreement I had to undergo a background check and that I was adult i had to be a tenant cause the minors are occupants. They told my mom her and my dad were responsible. She was under that impression because that what she was told. I had no way to afford living there inwas not working. So we were misled with wrong information impacted my credit records only not my parents. I have the orginal lease due to the situation and unprofessional it was handled is preventing me to get my on place as it only showing on my record as landlord debt. My mom says it was just supposed to be her and my dad responsibility. I'm looking to get this debt remove from my credit records as it not mine and belongs to my parents cause that what my mom was told before having a lease agreement attach to the application. Was told I had to sign cause I will be residing there at that time. Because I was o her the age of XXXX I had to undergo a background for any criminal charges and for me to reside and being over XXXX that occupants are for minors. Since then I research that it was lie I could have been occupant.
Product: Mortgage

The company told me I am on fixed income and I can't do unless I refinance and I had too much debt to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my correct credit score from Experian for 7 months. Also in previous years I have for months also tried. 
In XXXX of XXXX I hired a credit repair company to find out why my score was so low.Over the next 6 months I paid {$120.00} a month for repairing my score. They were only able to get the scores up on XXXX XXXX and XXXX, they were not even able to get an updated score from Experian. In XXXX of XXXX I hired another credit score company to do the same as far as raising my score. My intention was to get the new company ( XXXX XXXX ) to get my score, I figured since they were a law company they would be able to get me results.The problem I have is that Experian shows my score from XX/XX/XXXX. I have called Experian at least a dozen times about this matter. I spoke to probably 20 or so people bout the problem of the old score.I have been told it was my operating system would not work so I tried using XXXX XXXX for the score as they said that would work, but still score from XXXX comes up.Then I spoke to another person at XXXX who said I had to empty my cookies and cache to get my score, I did and still score from XXXX came up.Then I called again and another person said it would be sent to the technical dept and keep checking, also keep refreshing the page.When I attempt to refresh the page this message comes up ( An error occurred and we are currently unable to process your request ) Still old score from XXXX comes up.I don`t feel I should be at the mercy of a credit reporting company. Because of the scor problem I can not refinance my, buy a car of get my son into college. There has to be something that cane be done to this company. Credit wise they are destroying my credit and my way of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Executed on ( XX/XX/XXXX ). 
XXXX, Executed on ( XX/XX/XXXX ). 
XXXX and Executed ( XX/XX/XXXX ) Transunion were fowarded ..AFFIDAVIT OF VERIFICATION & DISPUTE AS UNSWORN DECLARATION to remove the Reported Consumer Report Debt Collections from their records being in direct violation of the Consumers Privacy Rights. XXXX, Transunion XXXX XXXX are " financial Institutions '' Section 6809 of title 15 defines financial institution as. any institution the business of which is engaging in financial activities as described in section 1843 ( k ) ( 4 ) of title 12 in turn defines activities that are financial in nature to include [ e ] ngaging in any activity that the [ Federal Reserve ] Board has determined, by order or regulation that is in effect on XXXX XXXX, to be so closely related to banking or managing or controlling banks as to be a proper incident thereto ( subject to the same terms and conditions contained in such order or regulation, unless modified by the Board ). On XXXX XXXX, the Federal Reserve Board promulgated a regulation, still in effect on XXXX XXXX, which expressly identifies as among activities..so closely related to banking or managing or controlling banks to be a proper incident thereto those activities that are usual in connection with making, acquiring, brokering or servicing loans or other extensions of credit, including : Credit reporting services. Maintaining information related to the credit history of consumers and providing the information to a credit grantor who is considering a borrowers application for credit or who has extended credit to the borrower. 

Banking holding Companies and Change in Bank Control ( Regulation Y ), 62 Fed.Reg. 9290,9329 ( 1997 ) ( codified at 12 C.F.R. sec. 225.28 ( b ) ( 2 ) ( v ) ). Because the Federal Reserve Boards regulation characterizes credit bureau services as so closely related to banking or managing or controlling banks as to be a proper incident thereto, FTC permissibly determines that XXXX, XXXX XXXX TRANSUNION provides such services and comes within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). See Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ). 





XXXX, XXXX XXXX Transunion were informed and became aware that the information provided within the consumers report is inaccurate and false information and by XXXX, XXXX XXXX Transunion inactions rendered to violating The Gramm-Leach-Bliley Act by XXXX being a financial institution of not having provide the consumer a CLEAR & CONSPICUOUS disclosure to such consumer, in writing or in electronic form or other form disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 therefore must permanently delete any and all data related to the Consumer to avoid liability and criminal charges with prejudice.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope you find this letter in good health and good spirits. I am writing to ask for your help in getting a closed account reported to my credit reports. This account has never been negative. However, it has been 30 business days since I paid off my Home Loan and Nationstar/Mr.Cooper has not submitted my updated credit report since XXXX. I know this because I have contacted XXXX and that is the information, they gave me and to call Mr. Cooper, which I did. In addition to Mr. Cooper not updating my credit report since XXXX, the balances have not helped my score increase. I have worked hard to maintain my credit and I do appreciate Mr. Cooper for assisting me in my financial hardships at the beginning of 2022. I have maintained all of my payments with NationStar/Mr.Cooper and paid off the full account balance. I am asking now that my credit be updated immediately so that I may resume improving my credit and continuing my positive creditworthiness. Thank you so much for your attention to this prompt matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint. I have mailed the attached letters to the CRAs disputing the completeness and accuracy of the following accounts that are reporting on my credit report. I am asking the CRAs to view the attachments and send the results of their investigation to me by mail. The following attachments has already been served via certified mail with a return receipt and I am just further documenting with the CFPB Delete Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Update Late Payments to 100 % paid on time : XXXX. XXXX XXXX XXXXXXXX Delete Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, personal XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from the following account. Block and remove it. 
1.XXXX  XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Debt collection

I have sent three debt validation letters and they respond with a copy of a bill. They were all sent certified mail. The mailing dates were XX/XX/2018, XX/XX/2018 and XX/XX/2018. They are claiming I have a balance of {$740.00}. I do not own this debt and would like to file a complaint.
Product: Checking or savings account

I am an " old timer '' client of Capital One bank. On XX/XX/XXXX I have sent a letter to the bank, branch XXXX XXXX XXXX XXXX st. XXXX York. I requested not to renew my CD due to mature on XX/XX/XXXX. thus to ebable me to withdraw my money without any problems. The bank ignord my order, and renewed the XXXX for another 24 months with 0 % interest. 
As I needed the money, I had no alternative but to fly from XXXX especially for that purpose with a lot of my health problems and walking with a stick. 
On XX/XX/XXXX I arrived to the bank, and was served very nicely by the representative ( XXXX. ). She agreed to give me my money immediately, but only after deducting XXXX $ as " penalty '' and paying me XXXX ( zero ) interest from XX/XX/XXXX. 
The XXXX was due to mature just XXXX months later. that is on XXXX penalty consist 2.88 % of the total saving balance! 
Despite my agony and frustration, the representative could not help me, as her XXXX or back office, ahe spoked to on the phone, refused to wave the penalty.
Product: Mortgage

I do n't expect you will be able to help me much with this issue, but I am filing this complaint moreso for continued evidentiary documentation of it, and to note that it is still ongoing and that I 've been in special circumstances. It has been very long, complicated and devastating, and I have a mountain of paperwork over the years. I have also been a   XXXX   XXXX   XXXX    residing here in the militar ry  XXXX   for over a year trying to get some long overdue care for my   XXXX   XXXX   including  XXXX   XXXX   XXXX  and   XXXX   XXXX   and I do have the   XXXX   XXXX   XXXX    assisting me at this time here at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX , and this attorney has my case #  XXXX   XXXX  and  XXXX  for at least  XXXX  complaints I filed to the OCC years ago. There are actually  XXXX  separate but related issues, the first is my mortgage/loan modification and the second is an illegal {$100000.00} line of credit that Bank of America gave to my ex-husband against said property without my knowledge or signature back in approx.   XXXX   when I had a protective order against him. This nightmare has devastated me in a number of ways, including effecting my health and security, and professional livelihood and career advancement regarding my security clearances necessary for what I do. I am preparing for a   XXXX   XXXX   becoming a  XXXX  veteran, but also able to work, requiring updates to my security clearance. The most recent servicer I have now is  XXXX   XXXX , to whom I have notified my current military status here   XXXX   XXXX   XXXX  , with the intention of resolving this issue to keep my home with the assistance of the   XXXX   XXXX   XXXX  , who is in communication with the  OCC fo r history. And there are major corrections that need to be made! I am trying to gather some past files for the attorney for history and unable to upload for you at this time.   Also, both of the law offices I listed that I paid to resolve my home problems just lied to me taking my money and doing absolutely nothing for me.   Please note : Bank of America is who the problems originated with and then passed on to others.  XXXX  example being forcing me to submit countless loan mod packages and constantly " losing '' them. And finally when I once made it through my trial payments, they again dropped the ball on everything so it did not finalize.A most recent servicer,  XXXX   XXXX , has been reachable (  XXXX   XXXX   )  but I have n't been able to speak yet with another person there,  XXXX   XXXX , because I have been in military status and hospital. I sent this person an email without a reply in  XXXX  or  XXXX  I believe, so they are aware. My situation is such a mess, it is my understanding that all servicers since BOA are not interested in my whole history, which is necessary to rectify properly.   To add : the site wo n't allow me to add the attorney here on   XXXX   who is involved helping me,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX 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 card or prepaid card

Hello, My name is XXXX XXXX. My credit card number is XXXX XXXX XXXX XXXX. I made a transaction to buy 2 cases of product in XXXXXXXX but I never received my goods. Then, I opened a dispute in XXXXXXXX with Citibank and they denied my dispute. 

I don't understand what kind of investigation the bank did but I never received my purchased product. Moreover, the XXXX  tracking the merchant provided in the attached letter clearly shows the product is damaged and the merchant has been informed. But I never received my money back. The bank has been negligent in its investigation process. 

Attached is the screenshot of the XXXX  tracking that the merchant provided. Please open an investigation and refund my money. 

Thanks
Product: Mortgage

we are in a repayment plan with this company that took over our loan without our knowledge or my signature, and have NOT missed payments ( by the way the payments are MUCH more than we were paying prior ).
Product: Checking or savings account

PLEASE SEE ATTACHED XXXX XXXX HAS BEEN NON-COMPLIANT
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding a data breach that has compromised my identity, resulting in unauthorized activity appearing on my credit report. Despite my repeated efforts to address this issue, Experian has failed to provide assistance, and the inaccuracies continue to impact my financial well-being. 

As a result of the breach, I have noticed several fraudulent accounts and unauthorized inquiries listed on my credit report, causing significant financial hardship. The discrepancies have lowered my credit score, making it difficult to secure loans and affecting my ability to conduct everyday transactions. In addition, I am dealing with ongoing personal stress and emotional injury as I attempt to resolve the matter. 

I immediately contacted Experian to dispute the unauthorized activity and correct my credit report. However, not only has Experian failed to respond to my inquiry, but they have also refused to investigate or take the necessary steps to rectify the issue. This lack of accountability and customer service is unacceptable. 

Given the severity of the situation and the damage that has already been done, I respectfully request the CFPB 's intervention in this matter. I ask that you assist me in ensuring Experian takes responsibility for the breach, investigates the inaccuracies on my credit report, and resolves the situation promptly. 

I have attached copies of my communications with Experian, including my dispute request, and any relevant documentation to support my claim. I kindly ask that you take immediate action to address this issue and prevent further harm to my financial stability and personal well-being. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXX XXXX XXXX XXXX  Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, Credit Karma and Credit Sesame, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.