23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

It is frustrating to continue to battle with this horrible company. I've sent them SEVERAL letters this year. Wakefield still has a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX ( A medical facility I have never been to ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I reached out to XXXX XXXX XXXX regarding making a settlement for an account that was displayed on my credit report. They informed me to contact XXXX XXXX and advised me they had sold the account. I reached out to XXXX XXXX who advised me that they will accept {$450.00} as full payment and the negative remark would be removed from my credit report once they received payment and notified XXXX XXXX. I have disputed the balance listed on my credit report multiple times and its still showing I have a balance due for XXXX XXXX   although I have a letter from both XXXX XXXX and XXXX XXXX stating the account is paid in full less than amount owed. When I agreed to settle I was informed the item would be removed not listed as settled for less than amount and its still showing I owe XXXX XXXX a balance which is incorrect as well.
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 XXXX 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I previously had a clear access banking account with with wells fargo that was closed in XXXX of XXXX Their reasoning for closing it was because a client of mine gave me a check to deposit, and they said that it was a bad check. I should not be held responsible for a client giving me a bad check to deposit. I recently opened an everyday checking account about a few days ago on XXXX XXXX that account got closed today on XXXX because of the XXXX bank account being shut down for the bad check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fake inquiry on my report and I've contacted both the burea and company who did the inquiry and was told it was removed but it was somehow placed back on my report. Also there's items incorrectly reporting on my credit that aren't mines they were from a divorce they were removed from my report then somehow added back on, is there any way possible to look into this and see why these items were removed then somehow added back to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ... she was still in school ... In XX/XX/XXXXit shows 120 days late ... could you please correct this ... thank you in advance.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Non-Compliance with FCRA and Privacy Violations To Whom It May Concern, I am filing this complaint regarding Experian 's failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) and their violations of my privacy rights under 15 U.S. Code 6802. Specifically, Experian has violated the following : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of my credit report.

15 USC 1681s-2 : Neglecting to maintain and report accurate information.

15 USC 1681i ( 5 ) : Not conducting proper investigations into disputed information.

15 USC 1681c ( c ) : Reinserted inaccurate information without proper notice.

15 U.S. Code 6802 : Disclosed my nonpublic personal information to nonaffiliated third parties without proper notice, opt-out provisions, or consent. 
I have sent multiple dispute letters to Experian regarding inaccuracies associated with the following account numbers : XXXX XXXX XXXX Despite my efforts, Experian has failed to provide adequate investigations or corrections for these disputed accounts. Additionally, Experians actions have violated my privacy rights by failing to notify me or provide an opportunity to opt out of sharing my nonpublic personal information with nonaffiliated third parties, as outlined under 15 U.S. Code 6802 ( a ) and ( b ).

Specifically, Experian : Did not provide a clear and conspicuous disclosure explaining that my personal information would be disclosed to third parties.

Failed to allow me the opportunity to opt out of such disclosures.

Did not explain how I could exercise my nondisclosure option.

These practices constitute a violation of my privacy and undermine my trust as a consumer. Furthermore, I recently learned about the CFPB 's lawsuit against Experian for their " sham investigations '' and systemic issues with handling disputes. My experience reflects these issues, as Experian has consistently disregarded my concerns without conducting a proper investigation.

These inaccuracies and privacy violations are impacting my credit score, access to credit, and overall financial stability. I request the following resolution : Immediate reinvestigation of all disputed items associated with the account numbers provided.

Permanent removal of all inaccurate information. 
XXXX that no previously deleted items will be reinserted without proper notice. 
An explanation of why my nonpublic personal information was disclosed to third parties without appropriate notification or my consent. 
I am attaching supporting documents, including my dispute letters, Experians responses ( or lack thereof ), and credit reports showing the errors in question. 

Please address this complaint promptly to resolve these issues. 

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

My information was exposed in a security breach and all my information was exposed and accord 15 USC 1681 ( governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting ) With this security breach my information is no longer correct or accurate
Product: Debt collection

I went in and purchased some Items from CONNS. Some of the items that I purchased were not at the store location, and I was instructed to go by their warehouse and pick up the remainder of the merchandise. The warehouse did not have my items in stock as well and I was told that it would be shipped to my home. Also, CONNS added rental insurance in the amount over XXXX to my account. I brought it to their attention and they stated that due me having rental insurance it would come off. Months and years went by, I am paying on my merchandise, and never received my items that were listed on my contract from CoNNs but they want me to pay for them. Also, they never took off the rental insurance XXXX. I believe the contract is non/void due to them not keeping their promises of giving me the items that I agreed to pay for on the contract. I believe this is fraud.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reached out to reporting agency company to retrieve the information and to freeze the report until reported information was accurate, No response allowed the full 30 days from XX/XX/year> to obtain this information. 
Reached out to the XXXX XXXX to request that they correct the information no response from the actual company. 

XXXX of 2023 the residential company filed for eviction, I appealed the eviction and started paying the XXXX Courts directly for XXXX and XXXX of 2023. In XXXX of 2023 a sheriff showed up at my door to evict. Provided the sheriff the information that my lease was paid up to date with XXXX XXXX and the sheriff left the home. On XX/XX/XXXX I moved my things out and mailed the mailbox and resident key back to the office at the time was the house on the corner of the community. 

Collection agency is reporting that I was charged up to XX/XX/year> the lease I signed ended in XX/XX/year>. 

Reporting amount is XXXX lease ended XX/XX/year> credit agency is reporting end of lease XX/XX/year> im being charged for dates that were not included in my lease.
Product: Vehicle loan or lease

On XXXX XXXX I applied in good faith for vehicle financing at XXXX of XXXX car dealership. One of the banks that denied me was Ally Bank. I the consumer and natural person was denied credit by Ally Bank when I applied for a vehicle. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ).

Ally Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Ally Bank due to the response I received.

Ally Bank is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued.

Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Bank. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.
Product: Debt collection

Equifax INC is currently reporting an account on behalf of XXXX XXXX XXXX. The account is listed from XXXX XXXX and did not arise from a signed contract with myself and XXXX XXXX. The information listed on my Equifax credit file is inaccurate and incomplete. Attempts to resolve this matter with both companies have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO HAVE THESE PRODUCTS REMOVE ASAP
Product: Credit reporting or other personal consumer reports

I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.
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 XXXX XXXX XXXXXXXX has violated my rights. 

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. 

15 U.S.C. 1681B ( 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

Good Evening! 


I had a loan with chase auto finance for a XXXX XXXX XXXX. My car was repossess, but I was able to pay off the charge off of the told final amount. The amount was XXXX and something. I finished paying it off somewhere in XX/XX/XXXX. When I was applying for a mortgage loan this year, my mortgage loan was denied. One of the reasons was my auto account with Chase was still open and saying I needed to pay {$5000.00} and something, but the account should be closed now. And they affected my mortgage loan.
Product: Mortgage

LoanDepot representative knew I was working with another lender and stated that they can refinance my home. After paying two lenders Appraiser fees of {$1000.00}, which Loan Depot fee was {$470.00}. Now LoanDepot stated they can not move forward after working with them from approximately late XX/XX/XXXX, provided proof of three incomes, bank statements, tax returns fiscal year XXXX, XXXX, XXXX and paying Appraisal fee which should be refunded. LoanDepot should refund my Appraisal fee of {$470.00} because my Appraisal was over {$100000.00}. than my loan about of {$370000.00}. My house was build in XXXX for {$610000.00}, it is XXXX sq feet, 5 bedrooms, 3.5 bathrooms, full finish basement, theater room and bar with sink and refrigerator. And, this home was build with special features and has upgrades. The Appraiser report states that my home can be worth {$480000.00} to {$520000.00}. Loan Depot refuse to refund the Appraisal fee before the Appraisal and under duress I moved forward with the Appraisal that is subjective judgement that was stated home worth {$480000.00}, which I can sell for more. 

I was not provided any explanation for not moving forward and no call returns. Loan Depot took my personal information for months and got the approval to move forward and by not moving forward cause me a lost of {$470.00} Appraisal fee, which I want refunded. I just today XX/XX/XXXX seen an email sent to me on XX/XX/XXXX not to move forward. If financial institutes are allow to work in this fashion it will cause a financial impact on the customer credit report for all the different credit pulls and Appraisal fees and confusion with who own your loan due to the inquires.
Product: Credit reporting or other personal consumer reports

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 Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.
Product: Student loan

This is a loan from XXXX XXXX through Firstmark services ( Third Party service ). I had availed 9 month COVID forbearance starting from XX/XX/2020 to XX/XX/2020. I called Firstmark Services in XXXX and asked about other financial forbearance programs that I can avail since my COVID forbearance was coming to an end. One of the agents said that I had a few more months ( 3 months to be specific ) in my COVID forbearance program that I can avail after which my normal forbearance program ( 10 months in total ) can be applied. 

This happened to be misinformation as my COVID forbearance program was completely done by XX/XX/2020. Moreover, Firstmark Services automatically applied the normal forbearance to my account ( 10 months divided into sets of 2 month forbearances ) for 2 months. I wasnt informed in any manner about this. Since Im currently unemployed, I had made financial plans according to the information they provided in XX/XX/2020. 

I called Firstmark Services and explained this whole situation. They apologized and provided loan modification option which will affect the borrowers and co-signers credit score. I requested at least an extra 2 month forbearance since it was a mistake of misinformation on their part. They said they cant help me with the COVID forbearance program and I cant avail another 2 months of the normal forbearance if I havent made 12 payments after the previous 2-month forbearance. 

This seems to be totally unfair as I was misinformed about the forbearance options and I had made financial plans according to the wrong information they provided. This is more of a strenuous situation now as Ive been unemployed for the last few months.
Product: Credit card or prepaid card

I obtained a secure credit card from wells fargo in XXXX. I was told that if i pay my bill on time that my card would graduate to a regular credit card ; later i was told there were other factors involved in the graduation process. from then on every time i inquire about the cards graduation status they tell me for different reasons my card is not eligible to graduate. they never disclose the exact reasons why, they only say maybe your credit score is too low or there are negative items on your credit. when asked if there is a threshold for credit scores they say they dont know. when asked what are the negative things on my credit they dont know. they cant tell me what my credit score is or what specifically is negative on my credit report so that i may address it. they continually deny the graduation of my card and do not provide a adverse action notice.
Product: Credit reporting or other personal consumer reports

I received a collection letter, so I checked my credit report and saw a fraudulent account. please remove this account from my report
Product: Debt collection

Financial Credit Network : Account number XXXX I have disputed this account, I never received validation of this debt, I never lived at the address where debt incurred, I have disputed with collection agency asking for my signed original contract or copy of my drivers license, they can not provide.