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

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or t

he information listed below. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of inaccurate late payments and consumer misinformation ( CMI ) on my credit report. Upon reviewing my credit report, I discovered inaccuracies that require immediate correction to ensure compliance with federal laws.Under 15 U.S.C. 1666b This statute under the Fair Credit Billing Act ( FCBA ) governs the proper posting and crediting of payments. If payments were not properly applied or were mismanaged by the creditor, the reported late payments are not valid and should be immediately corrected or deleted.

15 U.S.C. 1681n Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are liable for willful noncompliance with credit reporting requirements. The inaccurate reporting of late payments and incorrect consumer information constitutes a violation of this statute, making the credit bureau and creditor potentially liable for damages.

15 U.S.C. 6802 Under the Gramm-Leach-Bliley Act, financial institutions are required to protect the confidentiality and accuracy of consumer information. The presence of inaccurate consumer information ( XXXX  ) and misreported late p
ayments violates the accuracy and privacy protections outlined in this statute.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) This statute mandates that credit reporting agencies conduct a reasonable investigation upon receipt of a dispute from a consumer. If the information can not be verified or is found to be inaccurate, the credit bureau must promptly delete or correct the disputed information.

15 U.S.C. 1681e ( b ) Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Failure to maintain accurate information is a violation of this requirement.

15 U.S.C. 1681s-2 ( b ) Furnishers of information ( such as creditors ) are required to conduct a reasonable investigation upon receiving notice of a dispute and to correct or delete any inaccurate information.

15 U.S.C. 1681o Negligent noncompliance with the FCRA entitles the consumer to actual damages and legal fees.

I am also requesting removal of these hard inquires as they were not authorized by me the consumer in accordance with the FCRA. If permissible purpose can not be provided these inquiries must be deleted per 15 U.S.C. 1681b ( f ) This section prohibits any person or entity from obtaining or using a consumers credit report without a permissible purpose.

15 U.S.C. 1681i If any information on a consumers credit report is inaccurate, incomplete, or can not be verified, the credit reporting agency is required to delete or correct the information within 30 days of receiving the dispute.

15 U.S.C. 1681b ( a ) This statute outlines the permissible purposes for accessing a consumers credit report. A hard inquiry may only be reported if there is a legitimate and authorized reason, such as : A consumer-initiated request for credit or insurance A court order or subpoena A written authorization from the consumer
Product: Debt collection

This account I have no knowledge of this account nor consent to this account delete this FRAUDULENT account from all credit bureaus immediately.
Product: Mortgage

I have mortgage refinance with Quicken loans. I have to provide verified CPA Letter for this year profit and lost. 

I did all the steps. 
I get closuring disclosure letter that the loan will be close in 3 days. the XX/XX/2021 I did email the loan officer to postpone the closing date to XX/XX/2021 and I want to pay my own escrows fees " property taxes and insurance '' They did provide new closing disclosure with no escrow fees and new date XX/XX/2021 Four days later They did ask me again for new P & l statement audited by CPA. 

I did tell theme I will not provide any documents any more They denied my application
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ADDRESS REPORTING BY EXPERIAN 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX 2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This notice is for all three agency for false data and THIS IS ADDITIONAL INFORMATION. 

Experian XXXX XXXX Subject : Formal Dispute and Request for Immediate Removal of Unauthorized Hard Inquiries Dear All Credit Agency, I am writing to formally dispute several unauthorized hard inquiries on my credit report, which occurred after visiting a dealership to apply for an auto loan. I gave consent for my credit to be pulled once to secure financing, but instead, my credit profile was accessed excessively without my authorization, resulting in multiple hard inquiries.

These inquiries violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the key violations and case laws supporting the immediate removal of these inquiries : Violations and Case Laws Unauthorized Hard Inquiries FCRA 604 ( a ) : Hard inquiries must have a permissible purpose and explicit consumer consent. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Reinforces that consumer consent is required before accessing credit reports. 
Excessive Credit Pulls Without Authorization FCRA 607 ( b ) : Credit bureaus and furnishers must ensure accuracy and permissible access to credit profiles. 
XXXX XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Unauthorized and excessive credit pulls are an invasion of privacy. 
Violation of Privacy Rights Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Accessing credit without explicit consent constitutes an invasion of consumer privacy. 
Immediate Removal of Inaccurate Inquiries FCRA 611 ( a ) ( 1 ) ( A ) : Disputed information must be investigated and corrected if it is unverifiable. 
Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Credit bureaus must remove unverifiable and unauthorized inquiries. 
Demands Immediate Removal : Delete all unauthorized and excessive hard inquiries from my credit report within five ( 5 ) business days.

Investigation : Provide documentation from the dealership proving the permissible purpose and explicit consent for each hard inquiry. 
Compliance with FCRA : Ensure all future inquiries are validated before being added to my credit profile. 
Failure to address this matter promptly will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ), and legal action to seek damages for unauthorized access and privacy invasion. 

Thank you for your immediate attention to this matter. I expect a response and resolution within XXXX business days. 

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

I have repeatedly contacted your bureau regarding my identity theft status, but my concerns remain unresolved. Despite submitting the required FTC complaint, your bureau still reports these fraudulent accounts on my credit report. I have contacted the banks involved, submitted all necessary documents, and they have deleted the accounts from their records. 

Other credit bureaus have also removed these accounts following the FTC complaint. Therefore, I question the verification process your bureau used to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, MOHELA sent me a letter stating that I was required to recertify my income based repayment or my payment would jump to over {$2000.00} a month beginning in XX/XX/XXXX. I recertified my employment based on the information they provided in the XX/XX/XXXXXXXX  letter, and they recalculated my payment. The letter they sent me dated XX/XX/XXXX, states at the bottom that I was not required to recertify my income for my XXXX  if it fell within 6 months of the payment restart date, which occurred on XX/XX/XXXX, so any recertification required on or before XX/XX/XXXX, would be pushed out a year. MOHELA failed to include that last part in the XX/XX/XXXXXXXX  letter. Thus, I feel MOHELA forced me to recertify my income for my XXXX when it was not required, and the result is my payment is now {$390.00} instead of {$310.00}, which is a difference of {$940.00} a year. I am trying to get MOHELA and the Department of Education to reset my payment to {$310.00} since I feel I was defrauded my MOHELA and scammed into recertifying my income, which I was not required to do at the time they sent the XX/XX/XXXX, letter, and this resulted in a higher monthly payment. Communication with MOHELA is taking weeks to get a response, so I have no idea if or when they will resolve this and that is why I am filing this complaint. The letter sent to me by MOHELA are attached.
Product: Debt collection

starting in XXXX I have been trying to contact this debt collector Professional of Bureau of Collections of Maryland. This is for my student loan in default, I am trying to resolve my debt and they give you an option of waiting on the telephone line to speak with someone you wait like 15 mins and then it goes to voicemail. to leave a message. I have left multiple messages and get no phone call back. This does not help a person to get their debt issues back on track. No One Returns calls
Product: Consumer Loan

I submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.
Product: Debt collection

Debt was settled on XX/XX/19. 
Ford Motor Credit agreed to accept less than full balance to consider paid in full. 
Amount was paid the same day after receiving written notification of the agreement. Credit report balances indicate the remaining balance is still outstanding.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against Experian regarding incorrect information on my credit report, which has caused a significant decrease in my XXXX XXXX. After obtaining my latest credit report in XX/XX/XXXX, I noticed that my XXXX XXXX had dropped from XXXX to XXXX. Experian reported that this decrease was due to XXXX past-due payments on a student loan taken out by my brother through XXXX Bank XXXX for which I am a cosigner. 

Upon reviewing the details of the report, I discovered that additional months were incorrectly marked as late, despite timely payments being made to XXXX XXXX, the new loan servicer. Specifically : XXXX. The student loan was transferred from XXXX to XXXX XXXX on XX/XX/XXXX. 
XXXX. Payments for the months marked as late were made on time to XXXX XXXX. 

Timeline of Actions Taken : XX/XX/XXXX : I filed a dispute with Experian ( Report Number XXXX ). Unfortunately, the dispute outcome did not correct the inaccuracies. 
XX/XX/XXXX : I opened a second dispute with Experian ( Report XXXX XXXX ), which also resulted in the same errors being reported. 
Frustrated by the lack of resolution, I contacted XXXX XXXX to clarify the accounts status. XXXX XXXX confirmed : They had not yet updated the credit bureaus. 
My brothers account was current, with no late payments. 
They recommended that I contact XXXX, as XXXX does not have access to the payment history from XXXX Bank. 
XX/XX/XXXX ( XXXX XXXX  ) : I contacted XXXX Bank and explained the situation. They opened an investigation, assured me they would notify the credit bureaus of the corrected payment history, and would send me a letter confirming their findings. 
XX/XX/XXXX : I received a letter from XXXX Bank stating they had contacted the credit bureaus to ensure the payment history reflected the correct information. 

Despite these efforts, when I received my new Experian credit report on XX/XX/XXXX, the same errors persisted. The report still shows XX/XX/XXXX as a late payment, even though the payment was made on time to XXXX XXXX. As a result, my XXXX XXXX remains unfairly low.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 BUSINESS DAYS of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX  on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached documentation, such as proof of identity bank statement, utility bill, drivers license and social and a FTC Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

****Attention Credit Bureaus, General Revenue has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX Fl XXXX last 4 of ss # XXXX I have pulled my credit report and I have seen multiple inquiries that are not mine these inquiries were never AUTHORIZED BY ME I never PERMITTED THESE INQUIRES on my credit I ask for a deletion of all inquiries I will list below EXPERIAN INQUIRIES : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/XXXX XXXX, I fell victim to a multi-layered scam operation run by unknown individual ( the Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX account to Customers Bank at the instructions of the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. XXXX was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with Experian & we called XXXX which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. XXXX continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my credit.
Product: Debt collection

I require PORTFOLIO RECOVERY To answer and provide me with the documentation to the following questions : What was the Max the application was run for? 

How did the all caps name get from the account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card? 

Provide the original instrument on the underlying obligation. Unless it's normal business practice for PORTFOLIO RECOVERY to restrict trade and performance. 

Who is the original creditor? If PORTFOLIO RECOVERY is not the original creditor, then I require PORTFOLIO RECOVERY mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 

Provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide a certified copy of the Ssa-89 form prior to the initiation of this account.
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question : XXXX  XXXX XXXX Balance Owed : {$560.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. XXXX ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).