23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : GA XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unable account resolved the consumer financial protection bureau recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted a bankruptcy but never removed it.
Product: Mortgage

**PLEASE HELP. STOP TOMORROW 'S FORECLOSURE : XXXX XXXX, XXXX This is my XXXX complaint against SunTrust Mortgage. I see from SunTrust 's response to my previous complaint that they claim they have no record of our applying for a modification. XXXX of the modifications we applied for with SunTrust took place in XXXX 2016. As previously stated, it was at that time, that XXXX XXXX XXXX of SunTrust 's Loss Mitigation Department, recommended to me that in order to stop a foreclosure that was scheduled for XXXX XXXX, I should apply for a modification, which I did. A copy of said application along with XXXX of XXXX XXXX XXXX 's emails to me is attached to this complaint. Also at that time, as there were multiple client relationship managers with which I had to work, there was extreme confusion that came up at the last minute, about filing for a modification vs. selling our home. If one ca n't apply for a modification and list the property for sale at the same time, then why would applying have been recommended to me? Why does SunTrust 's modification application form ask if you want to sell the property? Why does the form not clearly state that if the consumer 's intent is to sell the property, then modification is not an option. In short, I was lead down a confusing rabbit hole on this issue. Now SunTrust is attempting to hide behind this confusing smoke and mirror tactic that they purported on me. We were having to make major, life altering decisions in a rush, due to SunTrust 's tactics. As I 've stated before, we were only attempting to sell the home as SunTrust had previously refused to work with us on a modification. We were then hit with a doubled monthly mortgage payment. All of this, yet again, demonstrates that SunTrust has not demonstrated good faith in working with me to save my home. In XXXX 2016 as now with tomorrow 's foreclosure date, they have denied me ample time in which to address these confusing and complex issues. This is simply more of their blatant predatory practices. PLEASE STOP THIS FORECLOSURE!! Please thoroughly investigate these events and save my home!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried to successfully placed a credit freeze with XXXX and XXXX. When I tried to place a credit freeze with Equifax they advised that could not, as I had no record on file. 

The asked for me to provide identifying documents increasing my exposure to identity theft. 

I declined and they declined to put a freeze on me. 

I asked for the details of where I could complain and they declined to provide a complaint location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report increased 3 points XX/XX/2022 Score went down 3 points XX/XX/2022 Credit score went up XX/XX/2022 Credit score went down 27 points XX/XX/2022 There have been no new negative items on my Credit report in several years and experian is dropping my score with no explanation given and no evidence or negative changes.
Product: Mortgage

My wife and I applied to refinance our home in early XXXX. Given our payment record, strong credit and recent closed purchases of homes in our neighborhood, we assumed our application would proceed with little fanfare. 

Then we received our appraisal report, which miraculously assigned the exact same value to our home as was determined when we closed on our current mortgage in 2015. This, despite material improvements that have been made to our property, as well as ~15-20 % appreciation in our area since our purchase.

The responses provided by the Valuation Resolution team at Wells Fargo presents evidence that the appraiser & management company are incapable of objective analysis, and likely incentivized to not admit mistakes and errors. 

I believe the appraisal/management review have been done with the intent to cause disparate impact to my valuation and ability to close. 

I have exhausted the appeals process with the bank, and am turning to the CFPB as a last resort. I also plan to complete a complaint with the Uniform Standards of Professional Appraisal Practice ( USPAP )  regarding this issue. 

Thank you for your assistance and appreciate your time in consideration of this compliant.
Product: Credit reporting or other personal consumer reports

I recently reviewed my TRANSUNION credit report dated XX/XX/XXXX, and identified multiple inaccuracies, incomplete information, and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The following accounts and inquiries violate my federally protected rights under 15 U.S.C. 1681 : Accounts with Inaccurate or Unverifiable Information 1. XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX. XXXX  XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX Inaccurate and unverifiable. 
XXXX. XXXX XXXX XXXX Inaccurate and unverifiable. 
XXXX. XXXX XXXX # XXXX Date of last payment and date opened inaccurate. 
XXXX. XXXX XXXX  XXXX # XXXX Date of last payment and date opened inaccurate. 
Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of information. These accounts and inquiries violate this standard by reporting incomplete, inaccurate, or unverifiable data. 
2. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : * If disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency must : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion. 
3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or have reasonable cause to believe is inaccurate. 
4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person or agency shall not furnish inaccurate information if they know or have reasonable cause to believe it is inaccurate. 

Demand for Immediate Deletion Given the violations outlined above, I demand the following : 1. Immediate removal of all inaccurate, incomplete, or unverifiable accounts and inquiries from my credit report. 
2. Notification to all furnishers that the listed information has been deleted from my file. 
3. Written confirmation that all inaccurate or unverifiable information has been permanently deleted and will not reappear on my report. 
Failure to comply with these requests will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of my rights under the FCRA. 
Thank you for your prompt attention to this matter. I expect resolution and written confirmation within the statutory time limit outlined under the FCRA.
Product: Credit reporting or other personal consumer reports

Way back in XXXX in XXXX I had filed a FTC ID AFFIDAVIT and disputed with EQUIFAX regarding inaccuate and unauthorized inquiries! My info was involved in the EQUIFAX Data breach!

In accordance with the Fair Credit Reporting act. The inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 Have never given permission for these companies to pull my credit for the last year! This is illegal and a violation of consumer rights! I obtained FTC Identity Affidavit back in XXXX to dispute and request deletion. EQUIFAX has refused to delete these inquiries which has blatantly violated my consumer rights and protection. 
Inquiries : 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 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 I want these inquiries deleted.
Product: Payday loan, title loan, personal loan, or advance loan

I have a line of credit with Synchrony Bank, formerly XXXX XXXX. This is for the repayment of a piano that I had financed. In signing up for the loan, I specifically asked the salesman if it was with Synchrony, since I had never before enjoyed working with that credit. The salesman assured me it was with XXXX, apparently unaware they had been acquired by Synchrony. The loan is a XXXX, no interest loan. 

Once the account was set up, I went to my online portal to make my first payment and register for auto-pay on XXXX since payment is due on the XXXX of the month. I received an email on XXXX stating " Your first XXXX payment will come out on XX/XX/XXXX in the amount of XXXX XXXX It will then come out on the XXXX day of the month, every month until the account is paid in full or until you cancel. '' On XX/XX/XXXX, I noticed that the automatic payment had not hit my bank. When I got to my online account, it showed no record of having signed up for auto-pay. Rather than going through the process online again, I called the creditor directly. When I explained my situation and that I had received confirmation that I had enrolled in auto-pay, the representative said that was because that first enrollment in auto-pay was just to make the first payment. To actually enroll in auto-pay, I needed to go through and enroll again immediately after. I told the representative, " You realize how insane that is, '' to which she replied, " I don't make the rules. '' In short, Synchrony Bank led me to believe I had enrolled in auto-payment by 1 ) having me complete the auto-pay information on my online account and 2 ) sending me an email confirming the details of the auto pay. This was clearly a lie, and I as a consumer was misled into almost missing a payment which would have resulted in having to pay all the interest on this installment loan that I have budgeted to pay off on time. This is deceptive, untruthful lending that is predatory upon consumers. 

By the end of the call, the representative had processed my next payment and reportedly enrolled me in auto pay. I received an email confirming that. I will vigilantly watch my bank to ensure the payment comes out on time.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities.

According to the FCRA, unverified accounts must be promptly removed. FCRA, 91-506, Title VI, Section 611, Subsection AD and Section 15 U.S. Code 1681i ( a ) ( 5 ).

I am in the process of buying a home and the below accounts are hurting my credit file/scores If you are unable to furnish verifiable proof, the accounts listed below MUST BE REMOVED. These Accounts are being reported Inaccurate. 

I request immediate verification or Removal of the following accounts : Creditor : Account # : 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: Debt collection

This is not a debt I accrued. The debt is under a last name of XXXX. My name is XXXX XXXX. I have called the collection agency but they are very rude and I do not believe that they are taking me seriously. This is not my debt. What do I do? 

This is the info on my credit report : Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7100.00} Amount {$7100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Complaint Regarding Denial of Credit Report Access by Experian and XXXX Dear CFPB, I am writing to formally file a complaint regarding the inability to obtain my credit report from both Experian and XXXX, despite my repeated and legitimate attempts to access this critical information. 

Background On several occasions, including XX/XX/year>, XX/XX/year>, and lastly XX/XX/year>, I attempted to request my free credit report as provided under the Fair Credit Reporting Act ( FCRA ). Unfortunately, both Experian and XXXX denied my requests without providing a clear explanation or guidance on how to resolve the issue. 

Steps Taken I have taken the following actions in an effort to resolve this matter : XXXX. Verified all personal information provided ( name, Social Security number, current address, etc. ) was accurate. 


XXXX. Attempted to contact Experian at ( XXXX ) XXXX and XXXX at ( XXXX ) XXXX to address the issue. 


XXXX. Attempted to provide proof of identity through [ online/mail/phone ] methods as requested by both bureaus. 


XXXX. Repeatedly submitted my request via [ online/mail/phone ] channels on XX/XX/year>, XX/XX/year>, and lastly XX/XX/year>. I also so tried going to Experian and XXXX home page website and and both Experian and XXXX denied me of my federal right to request and see my consumer report Despite these efforts, I have been denied access to my credit report without a valid explanation or resolution. 

Impact This denial has significantly impacted my ability to monitor my credit standing and take necessary actions to manage my financial health. As a consumer, I am entitled to one free credit report per year from each bureau, as well as additional reports under certain circumstances, as stated in the FCRA.

Requested Resolution I respectfully request that the CFPB investigate this matter and ensure that Experian and XXXX provide me with access to my credit report. Additionally, I ask that the CFPB review the processes these bureaus use to handle consumer requests to ensure compliance with federal laws. 

Supporting Documents I have attached the following documents for your reference : XXXX. Copies of my correspondence with Experian and XXXX. 


XXXX. Proof of identity government-issued social security card XXXX. Any additional evidence of my attempts to obtain my credit report. 



Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2021, I got an alert from XXXX credit report from a company called Capio Partners LLC, as a major derogatory that I dont know of. There is also no additional information to contact this so called company to find out what is all this about, so it looks like identity theft, looking forward on getting this issue resolved as my credit dropped immensely. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the last payment to XXXX XXXX on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from XXXX confirming the aforementioned. 

On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over 110 points. The company has been terrible to work with and have not corrected anything.
Product: Credit reporting or other personal consumer reports

Ridiculous explanation without addressing the issue is getting more XXXX every day AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Bank account or service

On XXXX XXXX received a text on my cell phone. Said it was from my bank. When I opened it the bank insignia looked legit along with bank name. It said there was a problem with my account and they needed to set aside a certain amount. The attachment was a questionnaire want my bank information. Felt it was a fraud since my bank does not have my cell phone number and know they would not be asking for my information via a text. Called Bank of America and they verified that they did not send it. They asked me to email the text to their Fraud Department. Did so immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to contact XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX today, XX/XX/2023 XXXX Phone call was rerouted to Creditsage. I was requesting to make a payment. A rep, " XXXX '' explained its better to dispute the claim before paying & than disputing after payment as even though payment was made it would still be on my record for 7yrs. I provided personal information & debit number to pay for credit report. My bank rejected request for payment initiated by them due to incorrect expiration date provided. My concerns are that the call was rerouted allowing for personal information to be provided.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on my credit 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
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX. Thank you. XXXX XXXX