23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fail credit report act ( fcra ) to conduct a responsible investigation of dispute information credit report leaving unverifiable accounts unresolved.the ( cfpb ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer evidence to furnish accepting unreliable response and failing to adequately notify dispute outcomes
Product: Credit reporting or other personal consumer reports

I have no ties to the creditors mentioned, and the inquiries are not mine.
Product: Mortgage

To : Financial Consumer Protection Board From : XXXX XXXX Date : XX/XX/2019. 

Ref : Mortgage Loan To Whom It May Concern : My name is XXXX XXXX XXXX and I recently applied for a mortgage loan with Loan Depot. I sent in all my proof documents such as proof of salary, savings and credit report. I was granted a line of credit up to {$350000.00}. I located a property XXXX XXXX XXXX in XXXX XXXX   MD. XXXX. I signed a contract on XX/XX/2019 with {$3500.00} XXXX XXXX XXXX. My closing date was supposed to be XX/XX/2019. XXXX XXXX, Branch Manager for Loan Depot XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. Phone number XXXX XXXX and e-mail XXXX. Loan # XXXX. XXXX contact me one week  prior to closing with a lot of issues that werent issues but let me know that he was not going to approve my loan. The first, issue he raised was if I had the financing for the loan after I had sent him my bank statements. The second issue he raised was another loan that I have that is current and I havent had any issues with it. The third and final issue he raised with me was my credit report. My credit score is currently a XXXX I know it can be better, but this rating is supposed to be adequate to secure mortgage financing. Mr. XXXX did not want to rely on Mr. XXXX credit report, so he conducted a private investigation on me. His name of this investigation he told me was a fraud inquiry. He XXXX the Court House in XXXX XXXX to obtain the mortgage documents. He told me he located a property that I had owned three years ago and stated that I could not obtain FHA financing due to this issue. I have not received any correspondence regarding my loan status. I have not received a letter of denial. I work for the XXXX XXXX with a salary of {$140000.00} and it still appears I cant be treated fairly. 

I live in the state of Maryland, in the county of XXXX XXXX. The county was hit hard with foreclosures due to a lot of subprime loans being processed on the minority population. I was one of those people. I got out of my property approx. three years ago and secured financing to clean up my credit to hopefully one day enter back into home ownership. I feel I have been discriminated based on my race. This is in violation of the Fair Housing Act and the Equal Credit Opportunity Act. I feel I have suffered losses from trying to purchasing the property, the appraisal fee, and Inspection fee and time and emotional loss from being discriminated. Loan Depot and Mr. XXXX also violated the Privacy Act by informing Mr. XXXX real estate agent of the denied mortgage loan application before informing Mr. XXXX. 



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

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Specifically, the bankruptcy was dismissed and should not have any negative impact on my credit score. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, and the Privacy Act of 1974, 5 U.S. Code 552a, I have the right to dispute any inaccurate information on my credit report and to expect that my personal information is handled with the utmost confidentiality and care. 
It has come to my attention that LexisNexis is the data provider for this information. I have already opted out of LexisNexis, and my data should no longer be reported by them. Furthermore, in light of the legal precedent set by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), superficial investigations are not sufficient for verifying information. Therefore, I request that you conduct a thorough investigation and remove the inaccurate bankruptcy information from my credit report immediately. Please provide me with written confirmation that this information has been deleted. 
After several disputes there is still a lack of method of verification. Under 15 U.S.C. 1681i, I request an immediate reinvestigation of this bankruptcy reporting to verify its accuracy. Additionally, any inaccurate information should be corrected or deleted in compliance with the FCRA. 
Furthermore, the Bankruptcy Code, specifically 11 U.S.C. 524, establishes a discharge injunction that prohibits creditors from attempting to collect a discharged debt. This provision ensures that once a debt is discharged, it is no longer legally enforceable, and any attempt to report it inaccurately is a violation of my rights under the bankruptcy law. 
Should you fail to address this dispute adequately, I intend to pursue all available legal remedies to protect my rights and ensure compliance with all applicable laws, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I posted an item for sale on XXXX XXXX for {$200.00}. A user responded to be on XXXX  that he would come pick up the item and send me the amount via XXXX. After the user mentioned he sent the money, I got an email from XXXX that said the amount could not be credited to my account because my account was not a business account. In order to receive the money, the buyer would need to send over an additional {$500.00} to upgrade my account and the buyer confirmed that once doing so, I could immediately send back the {$500.00}. He provided his XXXX information and asked that I sent back the {$500.00} and an email from XXXX indicated once I provided proof of payment through XXXX the total sum would be deposited in my account. I sent the {$500.00} to the buyer and then immediately contacted my bank, Chase, and reported this as a scam. I filed a formal dispute since I did not authorize this payment to this user. Chase indicated that with platforms like XXXX they do not have authority to issue a refund or stop payment since it goes out instantly. I have blocked this user and would like assistance in getting the {$500.00} back that I sent to this person in error after following the instructions I received from a XXXX email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I got a notification from XXXX that I made a late payment on either XXXX XXXX cc or XXXX XXXX and lost XXXX. I was not late on either account. Even XXXX and XXXX did not report this. It's hurting my credit alot. Please remove this designation. You can see in attached forms Equifax I was late 2 months ago and other 5-6 yrs.
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report in reference to 15 USC 1681c-2. Unapproved inquiries have been recorded, impacting my score. Kindly remove all unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

These inquiries on my TransUnion report are fraudulent and i did mot authorize and need to be removed asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

received equifax report shows I have not paid m mortgage for 2 years so wrong needs to be corrected XXXX XXXX  told me that is wrong they do not know why they put that information all wrong my identity has been stolen many times please correct and contact me my email is XXXX Many thanks
Product: Debt collection

This company continued to contact my work phone number after receiving notice that calling the number was not allowed. The debt was under dispute with the credit bureau and when I spoke with someone regarding the continued calls and asked that something written be sent in the mail regarding the debt since it was under dispute due to my lack of knowledge of the debt. I was informed that I could " play this game all day. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my account today I noticed some accounts that Im not aware of some inquiries too I never gave anyone my consent to do this and I dont understand how this could happen. 

Dept of Ed all accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX XXXX XXXX account now closed. This includes a 30 day late payment posted in XX/XX/2021. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from XXXX & XXXX saying I did not authorize this dispute.
Product: Debt collection

this account was deleted and removed from my credit report because of lack of verification of account but was place back on my report on XX/XX/2019 2019
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 : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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

Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all negative accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
2. Physical verification that any and all negative accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$69.00} XXXX XXXX XXXX  Account Number : XXXX Date Open : XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$2700.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX Account Number : XXXX Date Open XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct this account : XXXX XXXX  XXXX Balance : {$5400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Trans Union. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. They have removed all past addresses, and aliases. These two accounts do not have an address or name attached to them. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX account # XXXX I strongly believe that they are in violation of the FCRA XXXX and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I'VE NOTICED THAT MY CONSUMER CREDIT REPORT SCORE HAS NOT GONE UP IN SEVERAL MONTHS. 

I HAVE PAYED ALL CREDITOR ON TIME AND ADDED NEW CREDIT AS WELL. 

WHY HASN '' T MY CREDIT SCORE INPROVED TO A HIGH SCORE????????

EQUIFAX IS COVERING UP REGULATORY VIOLATIONS AGAIN!!!!!!!!!!!!!!!!!!!!!!!!! 

MY XXXX AND XXXX CREDIT REPORT SCORES ARE WAY HIGHER THAN EQUIFAX AND THE HAVE THE SAME ACCURATE CREDIT ACCOUNTS AS EQUIFAX!!!!!! 

EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concerns regarding zelle handling my disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The cfpb findings indicates that's zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams
Product: Checking or savings account

On XX/XX/XXXX USAA entered into an agreement to pay affected customers a restitution of {$180.00}. We are now 6 weeks past this initial notification date and no attempt to render payment has been made. This is continued abuse by USAA and I believe renders them non-compliant in their agreement. I am asking CFPB to issue additional relief and advocate on my behalf to enforce the settlement in a far more reasonable and timely manner.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a payment to XXXX XXXX was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted XXXX XXXX to dispute the late payment. I spoke with a manager who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. I have made multiple attempts to follow up with XXXX XXXX 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. This incorrectly reported late payment has negatively impacted my credit score. I am seeking to have XXXX XXXX follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/year> removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX - XXXX - {$3800.00} GS BANK-GM - XXXX - {$3300.00} XXXX XXXX XXXXXXXX - XXXX - {$36000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Payday loan

Check smart is calling my place of work and when I asked that they stop they refused, telling me to call a different office but refused to provide that phone number.
Product: Debt collection

NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.