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

While searching for mortgages to buy a house, it was discovered that my Fico Score-2 was less than adequate. It seems that XXXX XXXX has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by XXXX XXXX shows delinquent payments on my credit report. I have disputed these claims against me multiple times via Experian. Over three years of paying XXXX XXXX for my student loans and they have not reported the payments, tanking my credit. XXXX XXXX has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquries i did not authorized. I tried disputing twice and they saying i did it. 




XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX BaXXXX XXXX  XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

In XXXX I noticed that Discover had decreased my credit line from XXXX to XXXX when I called them they stated it was because of when they did a soft poll on my credit report and the information that they found had them decrease the card but I find it really funny because that same week I was approved for another Discover card with a {$3000.00} line of credit and Discover is refusing to place my faves Discover card credit line back to the XXXX I never was late always paying my bill on time and I find this very absurd and very distasteful I never had my credit line decrease And this is truly embarrassing no documentation was sent out to me to inform me of this matter nor was a phone call
Product: Credit card or prepaid card

I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX in reference to a credit card that was opened in my name and an owed balance of {$440.00}. I had never opened this account and immediately contact Genesis FS upon receipt of the letter indicating I did not apply nor receive a credit card from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts on my credit bureau reached the 7 year statute of limitations. The original month/year of of first delinquency was XXXX which made the date of deletion XXXX, XXXX. The accounts were recently re-aged which changed the date of 1st delinquency to XX/XX/XXXX which changed the date of deletion to XX/XX/XXXX. This is against FCRA regulations. I want these accounts removed from my credit file. XXXX has already deleted them and they are scheduled to be deleted by XXXX. Below are the accounts in question : XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of Equifax and XXXX XXXX dba CEO of XXXX  Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Product: Credit reporting or other personal consumer reports

This company is reporting a debt/account on my credit report that I'm not financially responsible for and doesn't belong to me.FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' Business information is not personal consumer information under the FCRA .I was merely an occupant at this address. Per the lease agreement which has in paragraph 30 the following " Each resident is jointly and severally liable for all lease obligations. '' If you look at each page of this lease you will see the sole and only resident listed is the entity XXXX XXXX XXXX XXXX XXXX. No where on this lease does it state me XXXX XXXX is a resident nor that I'm personally responsible for the financial obligations of this lease. This collection account being reported on any of my personal credit reports is a violation of the fair credit reporting act and I fully intend to file a lawsuit if it is not immediately removed each of my personal credit reports.
Product: Debt collection

Messerli & Kra  mer A ttorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
Product: Consumer Loan

in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.
Product: Credit reporting or other personal consumer reports

My file has some misinformation coming from my credit report. Theses inaccurate postings are causing issues with my standard of living. I demand all questionable items be reviewed and deleted as they are not completely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a written and verbal dispute with both Transunion and  XXXX  several times throughout a year to investigate, update or remove from credit report regarding inaccurate  " Tax Lien '' rep orted on my credit report.     Both credit agency Transunion and   XXXX   has stated they have completed an investigation and reported the  GA State Tax Lien is r eported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate information on the both reports.     The dates the report was filed on :  XXXX   XXXX ,    2017  to  XXXX  file #  XXXX  - GA Departme nt of Revenue Tax Lien File  : #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to Transunion file #  XXXX  - GA Departmen t of Revenue Tax Lien File : #   XXXX  {$980.00}
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 DEPT OF EDUCATIONXXXX, U S DEPT OF ED, 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 I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate, And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, After any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

XXXX XXXX built a sunroom that did not meet the drawings or promises made by the salesperson in my room. The room they built is not insulated as I was promised, it is not waterproof ( leaked first storm ) and continues to leak ; the tar is dripping down onto the flooring I installed. 
And the tar is dripping down outside. The foundation is now revealed due to bad placement of drain. I had foundation inspectors to review the foundation. They stated it was sloppy foundational work and poor drainage layout. The room is burning hot in the summer and freezing cold in the winter. The heating and cooling unit they put in the room causes sky high energy bills due to non-insulated room. I was promised an insulated and energy-saving addition to my home for over $ XXXX. It is not worth {$4200.00}. Since XXXX XXXX was paid by Greensky immediately, they had no reason to come back and fix their work or be held accountable. I am a XXXX and very distraught. I feel like bulldozing this structure dow. I do not want this to happen to any other person. And when I contacted a lawyer, they told it was useless. I stopped paying some time back. I They did a bait and switch. Again, no accountability. They keep sending me the same marketing XXXX in the mail and I shred it.
Product: Credit reporting or other personal consumer reports

Capital One XXXX XXXX XXXX XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. This company needs to audit my account and remove some of the dates that are said to be late. I am current on this account. Even when I am current the company continues to call about the upcoming payments or payments that are nit 30 days late. I have asked that the account be audited by a human and that if the company can not prove to me on paper that my payment was more than 30 days late that my account be updated and corrections made to ALL credit reporting agencies. This time period is from the beginning to present of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report was pulled without my knowledge or authorization resulting in an inquiry on my report. Customer service would not agree to help take care of the negative inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you
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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

For three years ( 3 ) I have been fighting to have an inaccurate account from XXXX XXXX XXXX, listed on my credit report. XXXX XXXX XXXX is continuously reporting Inaccurate account information to XXXX, XXXX and Transunion, including that I owe {$580.00}. I have sent five ( 5 ) disputes directly to XXXX XXXX XXXX, XXXX, Transunion and XXXX and I demand this account be completely removed from my credit report. This account has multiple violations of the Fair Debt Collection Practices Act, which guarantees a fair and accurate credit report. I formally dispute this account and reserve the right to file suit in U.S. District Court for violations of FCRA and FDCPA. 

XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, Hudson City Savings Bank ( see CFPB case id : XXXX ) merged into M & T Bank Corporation. My mortgage for my primary residency, which I owned since XXXX, XX/XX/XXXX ( 15 years ) and resided with my wife and XXXX children fell behind in XX/XX/XXXX as my business failed. I went into pre-foreclosure in XX/XX/XXXX with Hudson City ( HCSB ). <P/>After 4 years of back and forth with HCSB submitting loan modification forms, appearing in superior court in XXXX County, NJ, and over {$15000.00} total in attorney fees and assistance, we were not able to come to an agreement on a loan modification, even though both my wife and I were working and making a strong income since XX/XX/XXXX. <P/>HCSB went silent from the period of XX/XX/XXXX through XX/XX/XXXX, no activity on my foreclosure proceedings, though they continued to pile up the late fees, penalties, and non-payment interest monthly. <P/>In XX/XX/XXXX I was contacted by M & T Bank Corporation, the new owner/servicer of my mortgage via the merger from XXXX, which was fined by the CFPB and DOJ in XX/XX/XXXX for XXXX XXXXXXXX for Mortgage Discrimination, obviously systemic issues within the organization. <P/>M & T, after numerous attempts to have them send me a Loss Mitigation package via postal mail fell on deaf ears, finally sent me a package with instructions and I submitted all my required documentation in XX/XX/XXXX. <P/>In XX/XX/XXXX, M & T contacted me with a system generated 'generic ' letter saying I did not qualify for a 'Retention Workout ' option, I was rejected. <P/>Within the letter, they offered a 'Right To Appeal ' and I submitted my appeal within the timeline given. To this date, I have not received a formal written notice on the decision of that appeal ( I have attached to this compliant ) which in the letter says I would be receiving from M & T Bank within 30 calendar days of receiving the appeal and documentation ( attached ). <P/>Also, M & T discuses 'Investor Guidelines ' that were not met based on my loan modification materials ( see attached document 'Net Income Modification ' ). To this date, I have received no formal investor guidelines from M & T Bank for review. <P/>Please see attached supporting documents attached. <P/>Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service unfair, practical. Which violates customer consumer financial protection act. ( CFPA ) specifically. Cash app failed to take timely and effective measures to prevent an address fraud on there platform leaving my account vulnerable and unprotected. Further more there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund act ( EFTA ) and regulation E. these actions have called significant. inconvenience and financial loss. and I seek appropriate redress for these violations.
Product: Debt collection

I've disputed several creditors numerous times due to a false report made on my credit for a " medical bill '' they have all taken the debt off of my credit report ... fast forward to today I went to check my score ... There is a Phenix Financial Services trying to collect this same debt! Which in the past other creditors have tried to collect and when disputed it was taken off ... With Phenix I've sent them a request asking them for proof of debt about a year ago and it said it was removed but it's back on there! THIS TIME IT SHOWS THE SAME AMOUNT {$1100.00} REPORTED 8 TIMES IN THE SAME DAY FROM THE SAME ORIGINAL CREDITOR " XXXX XXXX XXXX '' with " PHENIX FINANCIAL SERVICES '' TRYING TO COLLECT ... Then there is another one with a different price of {$580.00} THAT IS LISTED TWICE IN THE SAME DAY by the same collections agency " Phenix '' for the same original creditor! Then it shows AGAIN for the amount of {$110.00} by them! So now I have 12 times in the same day Phenix reporting to my credit to collect a debt they bought from XXXX XXXX XXXX that I've disputed in the past and it had been removed! I don't even know who XXXX is or what Medical debt they're talking about? I never recieved a bill either! I'm a hard working mother of XXXX I've been saving for the last 12 years to put money down to buy a home I've been working on my credit for the last 6 year 's and now I have to deal with this! If this isn't illigal it ABSOLUTELY SHOULD BE! 12 TIMES! THE SAME AMOUNT IN THE SAME DAY FOR THE SAME THING?! THEIR BILLING PRACTICES AND DEBT REPORTING ESPECIALLY DURING A TIME LIKE NOW WITH COVID GOING ON IN THE MIDDLE OF A PANDEMIC WILL CAUSE ALOT OF HURT AND A LOT OF DAMAGE TO FAMILIES TRYING TO DO THE BEST THEY CAN IN THESE CIRCUMSTANCES! THIS IS NOT RIGHT and I ask that you please look into how they do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( XX/XX/XXXX,XX/XX/XXXX ) Exter finance ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX   XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX