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

Subject : Violation of 605B Rule and Unlawful Reinsertion of Fraudulent Accounts Without Notification Issue Summary : I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) specifically related to the unlawful reinsertion of fraudulent accounts into my credit report without proper notification. Details of the Complaint : Two fraudulent accounts were previously removed from m
y credit report after I filed an identity theft dispute under 15 U.S.C. 1681c-2 ( 605B ). However, these accounts have since been reinserted into my credit report without notification, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). I never received written or electronic notice of the reinsertion within XXXX business days, as required by law. The fraudulent accounts are : XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX These accounts were initially removed due to identity theft, and their reappearance on my credit report without notice constitutes a serious violation of my consumer rights under the FCRA. Additionally, the accounts have been reinserted as charge-offs, which is also unlawful because charge-offs representing income are prohibited from being reported on my credit report under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ).

Relevant Legal Requirements : Certification Requirement : The FCRA requires the furnisher of the information to certify that it is accurate and complete before it can be reinserted.

Notification Requirement : The FCRA mandates that credit reporting agencies must notify me within XXXX business days of the reinsertion, including the name, address, and phone number of the information furnisher.

To date, Experian has failed to meet these legal requirements.

Supporting Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Credit reporting agencies must follow reasonable procedures to ensure accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) CRAs are required to notify consumers when information is reinserted.

Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ) Failure to properly notify consumers of reinsertion violates their rights.

Desired Resolution : I request the following actions from Experian : Immediate removal of the fraudulent accounts from my credit report.

Written confirmation that these accounts will not be reinserted.

Copies of the certification from the furnishers of the information, confirming its accuracy, as required by law prior to reinsertion.

Failure to take immediate corrective action will leave me no choice but to pursue further legal recourse, including filing additional complaints and pursuing claims under the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my XXXX credit report on XX/XX/XXXXand I saw a hard credit pull from CBNA. I  contacted Citibank on XX/XX/XXXX and again today XX/XX/XXXX. Both times I was on hold for over 25 minutes in silence. I eventually ended the call. ReviewING others in similar situation, they advised that I contact CFPB.
Product: Debt collection

Received a letter from XXXX XXXX XXXX ( DNF Assoicates LLC ) date XX/XX/2019. I responded with a debt validation letter on XX/XX/2019 ( certified delivery via usps tracking # XXXX ). I asked them to validate and to also cease communication except via mail. Someone called my cell phone today from their company stating they sent me a letter in the mail ; I haven't received anything. I will be filing suit for FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a married couple we own real estate of over XXXX Million in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$570.00} DEPTEDXXXX   XXXX {$3600.00} XXXX  XXXX {$0.00} DEPTEDXXXX XXXX {$5800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$4900.00} DEPTEDXXXX XXXX {$2800.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXXXXXX   XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX   XXXX {$6000.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

Hello I am reporting fraudulent collections and harassment. 
My personal information is being fraudulently used, I am being constantly harassed and billed from collection agencies with medical debt that's not mine. When contact the companies at the number provided on the report they are numbers that are no longer in service. AARGON collection agency constantly put collections on my report with different prices and account numbers and after having them removed they add more to my report. 

XXXX XXXX keeps adding debt to my report that isn't mine I had the fraudulent collections removed and they added new ones fraud collections I contact them on the number provided and it says it no longer in service XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX also XXXX XXXX XXXX XXXX collections that aren't mine keep harrassing me and wanting to collect a debt that isn't mine. someone I using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX  account numbers Has violated my rights XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX5 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not funish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer report containing any of the following items of information any other advice item of information other then records of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Accounts reporting closed paid off but I am receiving calls still asking to pay.
Product: Credit card or prepaid card

Bank of America recently denied me a business credit card even though I around XXXX in business a month since last year and have XXXX in my business account. Im waiting on their letter. Im sure they will try to blame the denial on a bankruptcy that was dismissed over XXXX years ago. 

My scores on all agencies has risen. On XXXX it fluctuates around XXXX the other XXXX around XXXX. Nothing outstanding in a negative way and I paid off my student loans in full months ago. The credit reports show the accounts as paid off. 

I only have XXXX credit card with {$1000.00} limit which Ive been paying off for months since I us it for my business.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I Called XXXX on XX/XX/XXXX ( dispute report # XXXX / CASE XXXX ) I Called XXXX on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I Called Equifax on XX/XX/XXXX ( dispute report # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Personal Information : I requested that all non-mailable addresses and incorrect names/spellings be removed from my report. 

XXXX report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect names XXXX report # XXXX contained : XXXX non-mailable addresses Equifax report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect name I requested all XXXX credit reporting bureaus remove all 3rd Party collections & charge offs ; These would now be considered Certificates of Indebtedness i.e., income and can not be reported. Per IRS Law. 

Equifax report # XXXX also has the incorrect account number for the charge off with the closed account with XXXX XXXX XXXX XXXX 

All XXXX agencies listed above have shared my information for solicitation/promotional purposes in which I did not authorize. In reviewing the reports, I found multiple instances where my information was shared without my consent : XXXX : XXXX  Promotional Inquires Equifax : XXXX Promotional Inquiries XXXX : XXXX Promotional Inquires When speaking with these agencies and advising them that they did not have my permission to share my information ; all responded that these are only soft inquires that did not hurt my credit. 

Sharing my personal information without my permission is a violation of the 1974 Privacy Act, 5 USC 522A ( b ) -Conditions of Disclosure, and 15 USC 6802. In addition, under 15 USC 6802 I have the right to opt o of any sharing of my information, which I have done so.

The inaccuracies regarding account numbers and personal information such as listing non-mailable addresses is a violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

All XXXX credit reporting agencies have my XXXX stindent loan on my credit report and its reporting a {$0.00} balance. Ive asked can this information be removed.
Product: Credit reporting or other personal consumer reports

I have asked to be removed from both of my ex 's Target cards as an authorized user and the accounts are still reporting, ensure my name is removed off his cards and have this tradeline off my credit bureau.
Product: Prepaid card

Good Morning, I purchased a Vanilla Visa Gift Card on XXXX XXXX, 2024 in the amount of {$250.00} for a Valentines Gift for my wife. I purchased it at the Dollar Tree at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Store # XXXX ). I gifted my wife with this gift card that evening. The following day she attempted to purchase some charms for her bracelet from XXXX XXXX. After several unsuccessful attempts of purchasing it with the card and speaking to a XXXX representative, she called Vanilla Visa. They informed her that fraudulent activity had occurred on the card and as a result all {$250.00} funds were depleted. Thus, Vanilla Visa informed her that they would replace the card with the value of {$250.00} by sending in mail. Stated it would be XXXX business days. After XXXX weeks of the card not being delivered, I called and spoke to XXXX. He assured me it was on the way. After XXXX more weeks I called and spoke to XXXX. He verified names and our address and assured me again it was on the way. After over a month of not receiving card, I called and spoke to XXXX who stated the same thing. I asked for mailing tracking information, but they would not provide. Therefore, I am soliciting your help being that it has been over XXXX months. Thanks in advance for your help! By the way, I did also go to the XXXX XXXX and speak to them he XXXX who said I would have to call XXXX XXXX.
Product: Debt collection

Nissan Motor Acceptance Corporation ( NMAC )/ Infiniti Financial Services ( IFS ) continue to violate my rights as a consumer by participating in fraudulent debt collection practices, intentional violating the Fair Debt Collection Practices Act by failing to provide debt validation within 30 days when requested, failing to investigate and provide findings after investigation, and also continue to attempt to collect on the alleged debt from the year XXXX until currently. I have begun receiving calls from unauthorized 3rd party debt collection companies in regard to the fraudulent accounts that are listed on all of my consumer credit reports and files, my police report, FTC report, and affidavits due to NMAC/IFS negligence and fraudulent practices. NMAC/IFS is damaging my reputation and credit worthiness by not following the FDCPA through furnishing info to the credit bureaus that can not be validated and also sharing my Non-Public Personal Information with unauthorized 3rd parties without my consent. Please find attached to this complaint my identifying information such as my driver 's license, social security card, utility bill, identity theft police report and affidavit filed in XXXX, copy of fraudulent credit reporting on XXXX credit report, copy of FTC report and affidavit sent to NMAC/IFS in XXXX, copy of written communication mailed to me about alleged NMAC/IFS debt from an unauthorized 3rd party collection company, and a copy of NMAC/IFS alleged debt validation response in XXXX.
Product: Debt collection

PLEASE HAVE THEM TO RECHECK THEIR RECORDS, I PAID XXXX ... DOWN ON THIS ACCOUNT ALREADY ...
Product: Credit reporting or other personal consumer reports

On numerous occasions, I reached out to Transunion regarding inaccurate information reported on my credit profile. I filed disputes directly on their website, sent dispute letters via mail, and even authorized a third party to dispute on my behalf, all to no avail. transunion blocked and refused all attempts to verify the information on my file. When I attempted to file a dispute online as instructed, I received an error message indicating that this account had been disputed in the past. Despite sending disputes through certified mail to transunion, I have never received any communication or updates regarding my disputes, nor has my credit report been updated. When I authorized a third-party agency to dispute the negative accounts, transunion outright refused to conduct an investigation or verify the inaccurately reported accounts in my file. As a result, transunion has allowed debt collectors and companies with whom I have never done business to obtain copies of my report without my permission. These entities are reporting false and misleading information on my report, and transunion has refused my requests to investigate. They have also neglected to provide documentation explaining how the debts were verified, and they are blocking my access on their site to file disputes for these incorrectly reported accounts. Furthermore, they have failed to send documentation by mail detailing the results of these investigations and how they were verified with creditors. Recently, I discovered from a loan company that transunion has been selling my personal information to creditors without my consent or knowledge. This constitutes multiple violations of the law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item listed by HMC group on behalf of XXXX XXXX is not a property I have every resided at. This property was occupied by someone else and was included in a bankruptcy according to the tenant. This is XXXX Case Number XXXX in the XXXX  district of Michigan. It should not be on my credit report.
Product: Payday loan, title loan, or personal loan

I was told I was approved by this company then was taken to a secure site to verify banking info then the page just kept saying hold for over 20 minutes so I called them, the representative who answered said I was denied! I ask them why, he refused to tell me that i would find out later when they sent me a letter, i informed him no that it's the law to disclose that information to me, he still refused after arguing for over 15 minutes and asking for a supervisor on duty he still refused would not provide a supervisor and then i told him if the supervisor wasnt there I'd call the labor board!! He then said i was denied because i had no direct deposit shown in my account, now this really concerned me because 1 that dosent make sence and 2 there is a direct deposit! So i said i needed the supervisor immediately, he said they would call me back, I said no I will hold he refused said they would call me back, I told him I would hold let the supervisor no I'm holding to speak with them and the representative still refused said they would call me back and hung up! I then called back got a different representative and ask for a supervisor explained what the last gentleman did and said I needed the supervisor on the phone, this representative also refused! I explained if they didnt get a supervisor I would have to report this buisness for breaking labor laws, refusing to produce a supervisor as requested and proceed to investigate the legitimacy of this buisness and seek action against the argumentative employees as well as the fradulent actions of obtaining personal information from me as a consumer and not explaining the steps taken as to why a denial by a financial institution without legitimate reason! They still refused a supervisor, corporate phone number or contact, and hung up on me again!
Product: Mortgage

Dear Sir/Madam : I had a loan modification in XXXX. Per the loan modification agreement, I have interest bearing principal balance and Deferred principal balance. 

I paid off my interest-bearing loan on XX/XX/XXXX, and my deferred loan will be matured on XX/XX/XXXX I did not miss a single payment. 

My mortgage servicer ( Shell point mortgage serving ) has decided that I need to pay the deferred loan immediately which is not stated in the loan modification and proceeds with foreclosure on my property. 

I have worked with the company since XX/XX/XXXX and filed written complaint with the company on XX/XX/XXXX. I kept calling the company and only got notified today through the phone that the loan servicing department of Shellpoint still considered that my payments are late.
Product: Credit card or prepaid card

i do not have  any dates except for 2017, and they say it was issued in 2017, and I do have any credit cards. I only have a de bit card by   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit card

On XXXX XXXX XXXX XXXX I was charged by XXXX XXXX in XXXX 3 times the amount of what I was supposed to be charged due to the hotel clerk error. Instead of being charged XXXX XXXX  I was charged {$540.00} XXXX. 
I have submitted booking documentation with the amounts, amounts given by the hotel that should be returned and amount I was to be charged several times. Capital One either loses these documents or doesnt have employees who are able to understand foreign transactions and XXXX. 

Claim # XXXX
Product: Student loan

My mother co-signed on 3 loans for my brother and I to attend college back inXX/XX/XXXX-XX/XX/XXXX. Upon graduating XXXX XXXX convinced her to consolidate all 3 loans on an 8.25 % interest rate. I 've tried to see what options I had over the years to get a lower rate but unfortunately have been denied every time. Not sure how complaint all of this is but it is wrong XXXX XXXX badgered my mom into this consolidation. Interest rate it made no sense. It was a money grab.