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

I am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX, XXXX, and TransUnion to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LEAVING A MESSAGE ON MY CELL INDICATING THAT THEY ARE INVESTIGATING A MATTER IN THEIR OFFICE. THEY NEED TO CONFIRM MY PHYSICAL ADDRESS AND PLACE OF EMPLOYMENT. IT IS MY RIGHT AND OBLIGATION TO CONTACT THEM IN REFERENCE TO MY LEGAL RIGHTS. REFERENCE CASE NUMBER XXXX. THE CALL IS A PRE-RECORDED MESSAGE FROM XXXX AND SAME MESSAGE FROM XXXX. IT SAYS THAT FAILURE TO RESPOND WILL RESULT IN THEM CONTACTING MY LOCAL LEGAL OFFICE. ON XX/XX/XXXX THEY LEFT A MESSAGE 2 TIMES. THEY DO NOT SAY WHO THEY ARE AND I HAVE NOT CALLED THEM BACK. THEY NEED TO STOP CALLING. THEY ALSO CALL MY MOTHER-IN-LAW AND LEAVE HER MESSAGES FOR ME. I DON'T EVEN LIVE THERE. THEY GOT THAT NUMBER WITH MY NAME ASSOCIATED TO IT OFF THE INTERNET. HOW DO I STOP THESE HARASSING PHONE CALLS?
Product: Debt collection

I checked my credit report on XX/XX/XXXX and I seen that I had been turned into collections for an apartment that was leased in my maiden name. I have been married for XXXX years. They leased an apartment in my name ( XXXX XXXX ) in XXXX Texas. The name of the apartment is XXXX XXXX. It says that I owe a total of {$8500.00}. I have never been to Texas nor do I know anyone who lives in this state. I have reported this to the XXXX main credit bureaus, filed police reports, reported to the Ohio Attorney General, and the Federal Trade Comity. I can send you guys all of my information including proof of address, ID card, police reports, and my notarized signature. Thank you. 

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

I sent a letter to equifax that arrived per certified mail on XX/XX/21 concerning validation of debt. I never received a response from equifax.Ive attached a comply of the letter as well which clearly shows this letter was notarized and included a copy of my id and social. Its been over 30 days and Im requesting removal of this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX : ACC NO : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX GA : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded Experian verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX ( XXXX ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, 2022 No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lift my credit freeze mailed all the appropriate documents to remove the freeze, to make a purchase and they will not lift the freeze. There is no live or human phone number to contact only by mail and that is bullshit. I don't know if they care but I lost out on buying my first time home because of this... I want the freeze removed I have tried everything... I sent my Social Security card number, my Drivers licence, my auto insurance info etc... where did it go? who the hell has my personal information? I am pissed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. How can this bankruptcy be verified when XXXX has already deleted ( See attachments )
Product: Debt collection

I received a call and letter from a company trying to collect a debt from me, originating from a company named " XXXX XXXX XXXX ''. I have never had nor entertained a home security system, however somehow, this company had my social security number, name and apparently ... forged my signature to complete a loan for someone other than me in a completely different state. Even though I stated to them on the phone that this is obvious fraud, they have reported to my credit reporting agencies and this is still unresolved. The company collecting this debt treated me very poorly.
Product: Debt collection

On XX/XX/2020 this info was posted on my Credit report, Potentially Negative Major Derogatory is collection Yes, Open Date XX/XX/2020 payment status Grid Code G ( collections ) XX/XX/2020 amount {$1200.00} from XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX Validation of debt transfer was not confirmed? Where is this debt coming from? Companies involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  and XXXX and XXXX? us/dnf-associates-LLC.html   Foreign Limited Liability Company XXXX XXXX XXXX XXXX Ny XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX. Last I hope these people didn't send the US Marshals to my house, with AKs and guns.
Product: Vehicle loan or lease

On XX/XX/XXXX of this year I applied oneline with Autopay, an automobiled loan/lease buyout lender for a loan to purchase my leased automobile from XXXX XXXX XXXX XXXX XX/XX/XXXX of this year my loan-lease buyout was finalized and I was forwarded an offer of contract by the lender/broker, of which I accepted and returned. As of XXXX XXXX of this year, the funding had not occured and was advised would not take place. This is bad faith and breach of contract.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX CARD, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX CO, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference
Product: Student loan

An individual, initials XXXX. received a threatening letter in the mail from Navient regarding my student loan. The letter contains a threat and several intentional false statements to mislead and coerce this individual into doing Navients work for them. The letter also contains my personal and private information as well as my personal financial information, including my loan balances, account number, my address and my social security number. I have never given Navient permission to share my personal information with anyone. Navient sent this threatening letter to an individual that my parents know in an attempt to get me to pay my loan back faster. This is illegal and possibly criminal. Navient used the US mail to commit this crime. That is a felony. 
The letter also provides the false information that I listed XXXX. as a reference for my student loans. This is a lie and I would never have used this person as a reference. I do n't even communicate with this person and I have certainly not given Navient permission to share my personal and financial information with this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive one single response to the dispute letters I mailed out from XXXX, Equifax, or XXXX, with 1 exception. XXXX sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.
Product: Mortgage

I sold my home to another veteran via a VA assumption. My loan was with PENNYMAC. We closed the sell of the home and assumption on XX/XX/year>. The problem is that since PENNYMAC hasnt uploaded the assumption package to the VA, my VA entitlement is still tied up on the loan. I am unable to close on my new home because of this administrative debacle at the hands of pennymac. 

I have reached out to the VA and PENNYMAC more than a dozen time spanning the last two weeks. 

PennyMac claims that this process takes 45 days ; we are close to 60 days with no end in sight. 

I have escalated this issue to pennymac via email and phone and have been promised resolution, to not even receive a call back. 


Pennymacs inability to follow VA guidelines could render my family homeless.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

I requested a loan payoff amount to payoff my loan. I sent a cashier 's check to payoff my loan and the check was confirmed delivered on XX/XX/XXXX - the delivery was signed for by a XXXX XXXX at BSI. I've been calling and emailing them since that date ( 6 weeks ago ) asking about the status of my check and payment. I've gotten no answers and have been bounced around to different people with no results and now I have another payment due even though I've already sent a check for the full payoff. This is completely ridiculous and a mortgage company should not be allowed to operate in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion on a collection account that is on my credit report. The company will not remove the account from my credit after the account as been paid and closed. I have talked to Transunion and they said they are going to remove the account because the collection company will not agree to it. A third party collection agency should not have the right to decide. They are a third party and have no right.
Product: Credit card or prepaid card

In XX/XX/ XXXX after filing our income taxes with XXXX XXXX, our refund was deposited into a XXXX  account offered by XXXX XXXX  and serviced by Netspend. On XX/XX/XXXX  ; my XXXX account was closed by Netspend due to alleged fraudulent activity on another Netspend account that I never authorized or opened. A refund of {$1000.00} was supposed to have been sent to me by XX/XX/. Apparently it was never mailed out. I called on XX/XX/ and verified my address and information and was told I should receive it by XX/XX/XXXX. As of XXXX XXXX XXXX  ; I have not received my money or an explanation for the reason why my account was closed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report. 

XXXX XXXX XXXX XXXX Update to never late XXXX  {$0.00} XXXX Remove XXXX XXXX {$450.00} XXXX Remove
Product: Credit reporting or other personal consumer reports

I am submitting this complaint today to reiterate my request for your investigation into the inquiries listed below, as stated in my previous complaint dated XX/XX/XXXX. These inquiries are being reported on my credit report in violation of federal law. The XXXX Credit Bureaus are obligated to conduct an investigation in accordance with the Fair Credit Reporting Act, 15 USC sections 1681, within the legally stipulated timeframe. Please find a summary of the inquiries displayed on my report below : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 3 different collections on my credit report from the same school the I never attended they never even received my verifications for me to even start later I explained I couldn't attend then I'm hit with 3 different charges totaling XXXX how is that possible this has hurt my credit score tremendously.
Product: Debt collection

back in XX/XX/2018 I contacted this company sending them copies of affidavit that this debt was a result of identity theft I do not recognize this account and it needs to be removed from their records and any reporting agency that they have sent it too .... I have not been able to get a response ... then I mailed them again registered XX/XX/2018 I have had numerous accounts opened from fake addresses from my identity being stolen this is my last attempt to reach out before potential exploring potential legal ways to fix this problem ....
Product: Mortgage

I have my mortgage with Chase. In the many years I have had my mortgage with Chase I have never paid my mortgage late until last XXXX 2015. Because of family medical issues I paid my mortgage 2 days after the grace period ended. 
I requested a " good will adjustment '' from Chase the week before last and received a letter today indicating " We ca n't update our credit reporting ... to the XXXX major r credit reporting agencies ... We 've confirmed that we 're reporting information about your account correctly. '' This particular late reporting to the credit bureaus is making it very difficult, if not impossible to get a mortgage for a different house. 
I have back up documentation to illustrate these statements. 
I am requesting your help in getting this rectified so that we can qualify for a mortgage for a different house.
Product: Bank account or service

Was denied a purchase using my debit card. No notification was sent to my phone nor was any notification posted to my online account. The debit card transaction was at a store that I frequently purchase goods, 3 times in the previous two weeks. When I called Chase they indicated that they froze the account because they needed to verify a charge. If such urgent action is needed to verify potential fraud, then I should be notified and not inconvenienced of having my transaction denied and wasting an hour of my time shopping but coming home empty handed.