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

Experian recently verified a bankruptcy. Per their own response ( Experian attachment ) they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Experian able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as XXXX ( XXXX complaint number XXXX below ) ). So how was Experian able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Experian database and my credit report immediately as they are unable to verify said account. 

XXXX Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, XXXX XXXX XXXX ( XXXX ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), XXXX provides this information to XXXX for XXXX to include, at XXXX sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, XXXX has determined that XXXX did not provide XXXX with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX XXXX consumer report. XXXX began providing publicly available bankruptcy information to XXXX on or about XX/XX/XXXX. XXXX does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that XXXX has included within XXXX XXXX consumer report. XXXX XXXX may need to contact XXXX directly to determine the source of the bankruptcy information that appears on XXXX XXXX XXXX consumer report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : This bureau is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an ID XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX Balance XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/2021 ; According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Consumer Loan

QUALITY ACCEPTANCE for over a year has not used proper blue book, sent proper paperwork to prove they did not do illegal interest rates, selling of car, fixing the car, credit reporting, mass harassing phone calls, threats, fraud and embezzlement. I have contacted FDIC, FTC, OCC, DEPARTMENT OF INDUSTRY AND BUSINESS and now heading to media and then some. This is not taken care of until a reimbursement that satisfies us is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urgently request the company to remove the inaccurate and unknown account from my records, as they are causing financial harm. Their prompt elimination is crucial for accuracy and my progress.
Product: Credit reporting or other personal consumer reports

Date-of-last-activity the credit bureaus are reporting are incorrect and inconsistent with each company. Company sent generic letter saying accounts are verified and updated but no information was updated or changed. I received no documents on what was investigated to update the account, and the account information is still inaccurate.
Product: Credit reporting or other personal consumer reports

An email was sent to me saying that my credit score has been impacted by a new credit card that was opened recently that I hadn't opened myself. The bank " XXXX '' is based out of XXXX and wont accept my phone calls to get the account removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.
Product: Credit reporting or other personal consumer reports

Subject : Removal of Unverified Accounts from Credit Report Details : I am submitting this complaint to request the removal of unverified accounts from my credit report. I have made several attempts to resolve this matter directly with the credit reporting agency, to no avail. These unverified accounts remain on my report, causing financial harm and negatively impacting my creditworthiness. 

Below is a timeline of my attempts to resolve the issue : XX/XX/year> : Sent notice requesting verification of the accounts. 
XX/XX/year> : Followed up with another notice, reiterating my concerns. 
XX/XX/year> : Submitted an affidavit of facts, which has gone unanswered. 
XX/XX/year> : Sent a second affidavit, which also remains unrebutted. 
XX/XX/year> : Issued a final notice to the credit reporting agency, but no response has been provided. 
Under the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.21 - Consumer Opt-Out Notices, consumer reporting agencies are required to provide mechanisms to prevent the inclusion of inaccurate or unverified information and allow consumers to opt out of certain reporting when it can not be verified. Despite this, the credit reporting agency has failed to take the necessary steps to verify or remove the disputed accounts.

Step 3 : Highlight the Financial Harm and Legal Basis The unverified accounts are causing significant financial harm by : Impeding my access to fair credit.

Undermining my financial stability.

Creating undue stress and impairing my ability to make necessary financial decisions.

Pursuant to Section ( a ) of the FCRA and 12 CFR 1022.130 - Reasonable Policies and Procedures for Ensuring Accuracy and Integrity, the following apply : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system.

Consumer reporting agencies must ensure that the information they report is accurate, impartial, and respectful of the consumers right to privacy.

The credit reporting agencys failure to rebut my affidavits or verify the disputed accounts constitutes a violation of the opt-out provisions under the FCRA and related regulations. Furthermore, under 12 CFR 1022.140, consumer reporting agencies must establish adequate methods for investigating and resolving disputed information, which they have not adhered to in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$630.00}
Product: Debt collection

I am a Protected Class Member of the XXXX XXXX XXXX XXXX XXXX. This debt is not mine ; it is a matter of Identity Theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX  super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts listed on my credit report, which I believe to be inaccurate, incomplete, or possibly the result of identity theft. I am a victim of XXXX XXXX breach In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 
XXXX, I am requesting that you investigate and take appropriate action to remove or block the incorrect or unverifiable information associated with these accounts.
Product: Vehicle loan or lease

Volvo Financial Services had sent an End of Lease invoice to me. I received this invoice but was very limited in methods of payment. I logged on to my Volvo online account and the account had been removed from my profile because the lease had ended. Their automated system allowed a look up by social security number. When I entered my social security number, once again nothing was found. This was due to the account being closed due to end of lease? How can an institution invoice you a final bill for wear and tear, yet remove all online forms of payment available to you? Due to XXXX and my own XXXX, I couldn't go to the post office. Additionally, I don't have checks for my account as they cost too much. Its 2021 and super frustrating that Volvo charged this account off. Mind you, I also called and every time I tried to pay the invoice over the phone during Covid there was over a 2 hour wait on the phone. In fact, when I got notice of the charge off I ended up paying right away over the phone. It took me 90 minutes of hold time. I missed to mandatory meetings at work and had to be XXXX for it. This is not something that should result in a charge off. Volvo should take responsibility for removing my ability to pay my invoice online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By Transunion. I was informed by XXXX the account was deleted on XXXX, and XXXX deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Transunion, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/year> I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion and Transunion responded by sending USPS mail stating, " We recently received a request that included your information, but it didn't appear that you or an authorized third party sent it to us. '' The account ( s ) below are reporting inaccurately according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX VA XXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Credit reporting

XXXX account were open in my name ( supporting documents uploaded ) Experian has delayed and requested the same documents over and over. I have been on hold with the company for over two hours several times. Several of there fraud specialist have not even known 605 law of the fair credit reporting act. I have sent the need documentation that under the act certificated mail and it is been signed for by a representation but they say they have not received it. The state that upon receive not when ever they find or get around to I want these items removed and immediately blocked. I believe they have no re guard for the law and individuals rights. Up loaded documents included FTC fraud affidavit detailing all fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with XXXX XXXX in regards to my closed Amazon credit card account. 
On XX/XX/XXXX I contacted Amazon customer service after finding out that during my 10   months of XXXX my Amazon credit card had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my Amazon credit card. I have emails from Amazon over the course of three days from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is insisting that I pay the {$450.00} even though the charges are no longer valid. 


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

Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}
Product: Debt collection

Hello, I financed a XXXX with XXXX and they're charging me 3 times the principal balance on this XXXX  without making this clear when I originally financed. This 300 % markup in interest on the principal balance appears to be illegal to me as I'm pretty sure there are laws prohibiting this level of usuary. The XXXX was valued at approx. {$240.00} prior to financing however my total balance with XXXX is approx. {$700.00} now after financing with them for a product being sold originally for {$240.00}. Regardless of if I signed a contract, this is likely still an illegal amount of usuary as this is purely interest being added to the principal balance. I do NOT recall reading anything about this when I " signed the contract '' as the customer rep stated when I contacted them regarding this.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of JPMCB CARD ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Product: Debt collection

I don't recall having a contractual relationship with this collection company SOUTHWEST CREDIT SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection
Product: Credit reporting 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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Student loan

On XX/XX/XXXX I applied for the income driven repayment plan on the federal student aide website. I am approved and my payment is set to XXXX dollars. In XXXX, I faxed my PSLF form in. 
I began receiving notices about resumption of student loan payment. On XX/XX/XXXX I logged into MOHELA and saw that MOHELA did not have me enrolled in the IDR and did not have my most recent PSLF, even though both were submitted months ago. I resubmitted both on MOHELAs site on XX/XX/XXXX. Then a few days later I received a bill for over XXXX XXXXXXXX. I thought that MOHELA was still processing my IDR. I received an email dated XX/XX/XXXX stating my payment is late. 
I then logged into the FSA site and I am listed as being in the IDR and having a XXXX dollar monthly payment - as I should be. I then recertified for the XXXX dollar IDR on the FSA site. 

Then I logged into MOHELA. MOHELA states I am late for the > {$600.00} payment and have another due in XXXX- this should not be the case! MOHELA lists the XX/XX/XXXX IDR application and PSLF as received but NOT processed, which means they are going to keep charging me!

Why is MOHELA permitted to charge me > XXXX XXXX when the Federal Student Aide site has me on their site as XXXX XXXXXXXX IDR? 

I can not afford to pay this. I am a community XXXX XXXX XXXX XXXX XXXX XXXX XXXX raising XXXX kids on just my income. I work for a nonprofit saving lives and keeping families together every day. And I have to worry about MOHELA stealing from me? MOHELA is negligent and/or fraudulent and ruining my credit. I do not deserve this. My children do not deserve this. My XXXX  do not deserve this. My community does not deserve this. 

Please help me to get this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX XXXX late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Product: Debt collection

I was affected by XXXX and do not own this company. I have XXXX XXXX as my electrical provider now and if I owe why am I still doing business with them with no knowledge of a past-due balance? I never received a bill and feel I do not owe anything because I was effect by a natural disaster. The dwell at the time was consumed in 8 feet of water. Please remove it from my credit report. Please see the attached documents and I can provide more information from XXXX.
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 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.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX  XXXX XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Balance : {$3200.00}