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

I am refilling this complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent account to persist on my credit report without rectification. I submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite of all the dispute letters I sent out, EXPERIAN has failed to address the fraudulent account that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entry. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ) ( 4 ) XXXX XXXX ( XXXX ) ( 5 ) XXXX ( XXXX )
Product: Mortgage

I called Seterus Inc. onXX/XX/XXXXat XXXX eastern time. I was requesting them to cancel my PMI as I am now below the 80 % threshold required. My mortgage began in XXXX of XXXX  and the original principal was {$84000.00}. Current loan balance is {$67000.00} or 79 % ( after i made my XXXX payment ) of the original balance. I called them to cancel my PMI and the response i got was that i would have to pay {$350.00} for an appraisal and that they " can't take my word that the property is worth what i say it is ''. I pressed them further stating that I can request PMI removal per federal law after I met 80 % of the ORIGINAL appraised amount and they still said they couldn't take my word for it. I refuse to pay {$350.00} to save {$41.00} a month when i have met the 80 % criteria.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention a concern regarding the compliance of Navy Federal Credit Union ( NFCU ) with the disclosure requirements set forth by the Gramm-Leach-Bliley Act ( GLBA ). 

As you are aware, the XXXX mandates that financial institutions provide three essential disclosures to consumers : the Initial Privacy Notice, the Annual Privacy Notice, and the Opt-Out Notice. However, I have not received the required disclosure from NFCU, specifically the Opt-Out Notice, which is crucial for allowing consumers to control how their nonpublic personal information is shared with non-affiliated third parties. 

To support my claim, I am including a copy of NFCUs consumer privacy policy for your review.
Product: Credit reporting or other personal consumer reports

Re : Missing On-Time Payments for XXXX  Account Number : XXXX Dear TransUnion Consumer Solutions, I am writing to formally dispute the incomplete payment history reported for my XXXX account ( Account Number : XXXX ) on my credit report. Specifically, the payment history for the months of XX/XX/year> through XX/XX/year> is missing the " pays as agreed '' status, which inaccurately reflects my timely payments for those months. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information.

I have enclosed copies of my payment records for the months in question, which clearly show that the payments were made on time. These records substantiate my request for updating the missing payment histories to reflect " pays as agreed. '' I respectfully request that TransUnion update my credit report to accurately include the on-time payments for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> for my XXXX  account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Enclosed you will find : XXXX. Copies of my payment records for XX/XX/year> to XX/XX/year>. 
XXXX. A copy of my current credit report highlighting the missing on-time payments. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Equifax multiple times over the phone to inform them that I am not longer disputing and account on my credit report and with to remove/withdrawal my dispute against Ohio Department of Human Services. I never seem to get anyone on the phone who speaks English well enough to understand so I have disconnect. For these reasons I have to file a complaint with CFPB against Equifax for refusing to withdrawal my dispute against Ohio Department of Human Services. I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove/withdrawal my dispute against Ohio Department of Human Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 collections on my equifax report i wrote to them more then four times and they keep sending the same answer verified. i asked them how they verified they answered verified! ( Attached ) i told them this collection agency wont send me verification so how are they able to report these items, and yet again they answer verified! i do not know what else to do i can not afford a lawyer so im asking you guys for help to remove these unverified charges off my equifax report. they just send me the same print out over and over thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Product: Consumer Loan

I returned my leased XXXX XXXX XXXX before the end of my lease period, on XXXX/XXXX/XXXX, received a lease termination statement from the dealer, and a subsequent end of lease liability statement from Infiniti Financial Services showing {$0.00} net liability. On XXXX/XXXX/XXXX, Infiniti Financial Services sent me a new end of lease liability statement indicating that I owe them {$430.00} property taxes. On XXXX/XXXX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX for the same {$430.00}. XXXX has also called and left messages on my home phone. I called Infiniti Financial Services on XXXX/XXXX/XXXX and was told that the tax is for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, and that I owe this tax because the license plates were not turned in and " it is the customer 's responsibility to do so ''. The rep also indicated that someone, though she could n't tell me who, submitted a " lost plate '' affidavit to the state of Connecticut in XXXX of XXXX. I left the car at the dealer, with the plates attached, on XXXX/XXXX/XXXX. I did not receive any instruction indicating that I was responsible for returning the plates, nor did I file the lost plate affidavit, since I had no idea they were lost. I am a senior XXXX XXXX and paid this {$430.00} amount on XXXX/XXXX/XXXX since I can not have this blot on my credit history, however this is ridiculous. I returned the car almost a year ago, paid everything I owed and left the car with the dealer in good faith. I am now being harrassed by a collection agency, not only for something I do n't owe, but a purported debt that was n't even billed to me until 3 days before it was turned over to this collection agency.
Product: Vehicle loan or lease

I paid XXXX XXXX XXXX {$27000.00} on XX/XX/XXXX for an auto lease buyout on my XXXX XXXX XXXX XXXX. I had been paying them for the auto lease as instructed by the XXXX XXXX XXXX in XXXX XXXX, OH. I was told multiple times by customer support that upon receipt of the money, the title would be transferred to me within XXXX weeks. Not only did they not send any form of confirmation that they received the money, but I still have not received the title which is required in order to transfer ownership in the state of Ohio. I called support again on Tuesday, XX/XX/XXXX asking them about the status of my title. I was told after they looked in their system that yes they had received the money, and they had not done anything in terms of paperwork. I was assured that I would receive the title this week. Today, I received confirmation of a loan payoff. I did not even have a loan with them, and this is not what I need to prove ownership of the vehicle in the state of Ohio. I do not know what else I can do to get the title that I paid for other than contact CFPB or get an attorney involved.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, Transunion, XXXX, XXXX, Social Security Administration Data breach.There are several accounts, inquiries, incorrect addresses, incorrect SSN on my consumer credit profile that is a result from identity theft. Please delete all unauthorized accounts, inquiries, addresses, ssn, phone numbers, and collection accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/16 I received an alert from Experian that there was a new inquiry on my credit report. When I looked into it I saw that it was a request ( application ) for A XXXX XXXX card through XXXX. I proceeded to freeze my credit report with all XXXX bureaus and contacted Experian who assisted with placing a fraud alert on my account as well as letting the other XXXX bureaus know about the situation. All above actions were taken the same day the fraud occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts on my report thats not mine. Please remove them.
Product: Credit reporting or other personal consumer reports

I reached out to Experian about inaccuracies on my file a year ago and then a day ago once I received word about a debt collector account with the incorrect address. The following are some of the codes Experian has violated and should be penalized for : 15 usc 1681e ( b ), 1681i, 1681c and XXXX XXXX XXXX XXXX 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 and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error res rution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX -- - Unauthorized Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/2022, Amount of {$36000.00}, Creditor : The Office Of The Attorney General has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/2022, Amount of {$19000.00}, Creditor : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid XXXX XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take XXXX days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days.  Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.
Product: Vehicle loan or lease

I have send in my full payment for payoff and havent seen anything or heard anything on the payoff. I sent in two certified letters with payment, affidavit, and a copyright notice. The company havent update my account or sent me the vehicle title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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

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 : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Mortgage

My wife and I applied for a refinance of our current mortgage with Loan Depot in early XXXX. XXXX XXXX was my contact in the beginning and I answered ALL of his questions. After XXXX hard credit inquiries in 33 days, including XXXX in one day, I was told they could not refinance because I had over XXXX acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been XXXX hard inquiries on my credit report. I asked them to remove at least XXXX of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over XXXX acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was {$110000.00} but the appraisal was {$230000.00}! The insufficient collateral statement is totally false! 
My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. 

Regards, XXXX XXXX XXXX XXXX XXXX, Texas XXXX