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

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 : XXXX XXXX Account number : XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX-XXXX-2017 On multiple occasions I have submitted an investigation to the credit bureaus to remove from my excellent credit history these accounts that do not belong to me, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX which after research have not Been discharged from my credit history. 

These were also reported but were eliminated. 
XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX I have never lived in the United States and my credit history reports an address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Variation of name, XXXX XXXX. I have filed a complaint with the Police Dept and in the Federal trade commission but still, the accounts that I mentioned before have not yet been verified and eliminated. This information has greatly affected excellent punctuation and I need you to help me with this distressing situation. I await your prompt reply.
Product: Mortgage

I emailed the gentleman that was in charge of my home loan after working with him for 3 months from XXXX of 2023 through XXXX and he just stopped replying to my emails and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXXXXXX 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

Contacted the bureaus and creditors about my accounts being reported on my credit file that breaks numerous amount of laws within the FRCA & Truth Lending Act.. I have sent out mail numerous amount of times from the year of XX/XX/XXXX til now XX/XX/XXXX and I have not gotten a clear detailed documented reason for why the information is still reporting and how could these companies go against there reporting rules. I am seeking litigation and ask that this information and case be reported to Federal Trade Commission & attorney general. I ask that these accounts listed be throughly investigated and deleted from my file immediately! 

Reason For : Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus Experian, XXXX, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX XXXX & Experian documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX **** XXXX XXXX Experian
Product: Debt collection

I never received a 30 day notice from Blitt and Gaines regarding this debt. No phone calls, mail correspondence or e-mail correspondence. I was not able to respond to the 30 day letter as I did not receive it. I had no idea this debt existed until I received an advertisement from XXXX XXXX XXXX. I contacted your office and they provided a response stating that I needed to respond by XXXX ( couldn't respond due to the fact I received nothing from Blitt and Gaines ) and within " seven days they filed a lawsuit and provided a one page statement with my name and the balance due. During this prior filing I requested each and every XXXX XXXX XXXX statement since I am a victim of identity theft. They provided a one page statement with a balance due. 

I still need to obtain the XXXX XXXX statements from account XXXX from the first one issued to the most current. Plus I need to know how much of that debt is actual charges, late fees and interest for the police report with the XXXX XXXX XXXX XXXX XXXX. I also need the contract between myself and XXXX XXXX from when this account was opened. 

At this point I am being forced to pay over {$7200.00} and all I have is a one page statement with a balance due.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

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

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have listed on my Equifax credit an open collection item for {$92.00} from XXXX XXXX XXXX  with the original creditor being XXXX, which has been documented that it does n't belong to me. 

At the beginning of XXXX XXXX I received a collection notice from XXXX XXXX stating that I had an outstanding balance of {$92.00} due from XXXX. I disagreed with this collection notice and disputed this information with XXXX XXXX right away because I knew that it was incorrect and/or was n't mine. I received an email response from XXXX XXXX, Quality Assurance Auditor at XXXX XXXX on XXXX XXXX, XXXX that stated that the information had been removed from their system. It was also not on my credit report at that time. 

In XXXX XXXX I received an email alert that my credit score had changed and upon reviewing the change, noticed that the above mentioned collection account showed up on my Equifax credit report. I sent a dispute through the Equifax website on this information in XXXX XXXX, stating that it was incorrect and should not be on my credit report. I received a response from Equifax in XXXX XXXX and the " Results of their investigation '' stated that the information was correct and that I needed to correspond with the collection company for anything further. 

After receiving that notification from Equifax, I then sent an email to the same person at XXXX XXXX, XXXX XXXX stating that the collection account was showing up on my credit report and requested that it be deleted. Her response, dated XXXX XXXX, XXXX stated that a deletion of the account was made on my behalf back in XXXX XXXX and that if I was still having issues with my credit report to reach out to the credit reporting agency. 

In response to XXXX XXXX 's email I sent her a screen shot of the collection account from her company that was still showing on my credit report and stated that I had already disputed the information with Equifax and that they had responded that the information was correct and that I had to correspond with the collection company. 

XXXX XXXX 's final email to me dated XXXX XXXX, XXXX stated that the file is no longer open in their office and I had to reach out to the credit reporting agency. 

In summary the collection company acknowledges that the account is deleted fromtheir system and yet it is on my Equifax credit report and I can not get anyone to delete this off my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 XXXXXXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I worked with Wells Fargo to to qualify for a loan modification and sent in required documents. Though we qualified, each time they would deny us on a minor technicality such as a date missing. I submitted 7 times. Hundreds of documents. XX/XX/2015 and XX/XX/2016. 

Although my husband and I are both became ill and XXXX 10 years apart, we always kept up with the mortgage for many years. Unfortunately I had to file for bankruptcy. 

XX/XX/2017 I filed for bunkruptcy but we had he house on the market on a shortsale and received an offer. Wells Fargo accepts that offer in XX/XX/XXXX and sent us a letter to that effect and a phone call. We were waiting for the closing date but got a letter of foreclosure notice. We thought with a shortsale a foreclosure was not an option given the letter we got from Wells Fargo. 3 days before the foreclosure date we find out from the shortsale lawyer and realtor that they are going ahead with the foreclosure and not the short sale. As far as we are concerned Wells Fargo has played games to go the foreclosure route as opposed to : 1. Loan modification 2. Shortsale Wells Fargo had no plans to allow us to modify the loan or sell the house via a shortsale. They had ulterior motives all along.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX  XXXXXXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - EQUIFAXXXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - EQUIFAX MTG - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification that my credit score went down by two points. Upon my investigation I noticed a reason for the decline in score was because a balance on one of my installment loans increased by XXXX dollars. I proceeded to contact the finance company to inquire what was the reason for the increase. The finance company had no knowledge of a XXXX dollar increase and stated the balance the credit bureau was reporting was not accurate. 
I filed a dispute with XXXX XXXX credit bureau. The reason for dispute was in accurate balance. I gave a brief description as to why I was disputing the balance. 
On XX/XX/XXXX I received another notification stating that this dispute had been satisfied after reviewing the results I noticed that my credit score was now lowered by three points. 
When I seen what was the factor for lowering my credit score it was because they deleted and removed the disputed account from my file. I am immediately contacted XXXX XXXX and spoke to a customer service representative by the name of XXXX. 
XXXX informed me that the report was removed at the request of the creditor. 
I then spoke to a supervisor by the name of XXXX from XXXX XXXX who stated that they removed the account from my file because it was being disputed. I then asked him to please inform me where on the XXXX XXXX website is there a legal disclaimer stating that they have the authority to delete or remove a active account from a consumer file. He stated there is no such disclaimer and they removed it because I disputed it. I proceeded to inform him that my dispute was not to remove the account but it was for them to reach out to the creditor to get a accurate balance. I asked him to provide me with verification of proof that the creditor authorized him to remove my account from my file he stated there was no verification that he could provide me with. I went on to explain to him that they could not just remove a file without any authorization. I proceeded to inform XXXX XXXX that I would be filing a complaint with the fair credit Act, And I will also be seeking an attorney. 
After my conversation with XXXX XXXX I spoke to the creditor, Personal finance company. I spoke with XXXX the branch manager. I informed him of the situation and what occurred with my report and XXXX XXXX. 
Per XXXX they can not reinstate my account with XXXX XXXX. He directed me to file another dispute with XXXX XXXX informing them that my personal finance company  account was not being reported with their bureau. 

After I completed my conversation with the finance company I proceeded to contact the fair credit act too log an official complaint. 
I would like to add an addition to this, XXXX XXXX has consistently provided inaccurate balances on my accounts that are being reported with their bureau. 

Sincerely XXXX XXXX XXXX XXXX-XXXX-XXXX XXXX XXXX
Product: Debt collection

XX/XX/2017 I lost my job. 

I sent over 15 copies of required and requested forms by Navient by fax and US Postsl mail and they provided no assistance. 

They with held information on available forebearance options as a means to put my account on hold so they could damage my credit history. 

I have since lost over 100 points on my credit which will impact my job search.
Product: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNT : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Debt collection

There are unauthorized accounts on my credit report that I believe are errors. Requesting immediate removal and blocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting wrong amounts on my XXXX accounts. XX/XX/2022 my score dropped 72 points because they reported my balance increased XXXX. Interest on that loan should have only been XXXX. XX/XX/2022 Transunion reported that XXXX of my XXXX accounts increased XXXX and XXXX. I went down another 4 points. Again I'm only paying the interest right now. Then on XX/XX/XXXX The balance decreased on all XXXX accounts by XXXX, XXXX, and XXXX and my score only went up XXXX points. This is just one month it happens every month therefore I can't get my credit to rise at all. The increases know my score down 50-75 points every time and decreases only raise my score up to 5 points. Most of the time it does nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX, XXXX day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of XXXX, I have sent XXXX XXXX XXXX Determination of finance charge, XXXX XXXX XXXX Timing of payments XXXX XXXX XXXX XXXX Permissible purpose, XXXX XXXX XXXX XXXX  XXXX XXXX ) ( XXXX ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.