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

In reviewing my credit reports, I noticed a fraudulent account on all my credit reports. I contacted XXXX, XXXX and Experian. I was informed that they needed an FTC report and verifying documents to remove this fraudulent account. I sent an FTC report to XXXX, XXXX and Experian along with the verifying documents requested. XXXX has taken action, however XXXX and Experian continue to report false information and damaging my personal credit. I resubmitted and FTC report for the second time to both XXXX and Experian along with the verifying documents. XXXX and Experian continue to report false information. They are stating that the information is verified. 

If someone has my name, social security number and any other identifying items then it will always come back verified. I have done my part and have made it very clear to both XXXX and Experian that this a fraudulent account and have sent the correct documents to them twice. XXXX more time than I should have to. XXXX and Experian need to remove this fraudulent account as they have the documentation requested from me to remove this account from my XXXX and Experian credit XXXX. I and it very unsatisfactory that these agencies are allowed to continue to report false information even with the documents provided that both agencies requested to have this account removed, The account is an auto loan from XXXX XXXX.
Product: Debt collection

I made my XXXX payment online through XXXX XXXX, as I do every month. I continue to receive threatening letters from TRS Recovery Services stating that they are attempted to collect a debt. The payment shows on my account and has cleared my bank. I worry about what information they may have.
Product: Credit reporting or other personal consumer reports

I was Looking at my Credit Report and noticed there were Hard Inquiries that are not mine on there.
Product: Student loan

I applied for a student loan from Wells Fargo Education Financial Services dept. in Spring XXXX. Upon receiving approval for {$15000.00} at an interest rate of 12.99 %, I later came to understand that the loan was serviced in a subprime lending manner, per, the interest rate at the onset of receiving official notification that I was in fact, approved for the amount stated previously. Albeit, the statute of limitation on this loan has extinguished yet, I am still being charged although this is in violation of Texas state law as well as federal law as well, per, FDCPA. Statute of Limitations is defined as-The limited period of time creditors or debt collectors have to file a lawsuit to recover debt. The continuation of the existence of the Student Education Connection Loan, per, account number : XXXX has caused credit reporting concerns which have been adversely affected by this occurrence. I seek complete rectification and discharge of the loan. Wells Fargo has been contacted by my person and responded. In response they state that their Research and Remediation executive office have received my initial complaint and that it is under review, yet as a XXXX employee, I still face enormous fees per month for alleged payment owed on this student loan. This is in violation with the Texas Debt Collection Act. The description provided explains fraudulent, abusive, and misleading tactic used to collect on this debt which is over 10 years old. How can I be subject to paying a student loan which is in collections, when Wells Fargo also has not been transparent and accountable with regard of the lawfulness that they allegedly have to function as an " authorized debt collector '' in a jurisdiction that I as the consumer do not reside. In the likes of statistical data, In XXXX, Texans had an average student loan debt of {$26000.00}, which was well below the national average of {$28000.00}. Still, given the fact that the student loan debt increased by 61 % in the state from XX/XX/XXXX-XX/XX/XXXX while inflation increased by 22 % its a sizable issue. As I was in school at the XXXX XXXX  XXXX, I dealt with the disparity divested, per, being part of a student loan debt loan of 61 %. Moreover, I request modification from reporting this matter to any and all credit bureaus. In closing, it is my hope that this matter is given adequate and transparent examination and official response. At this time I have been compliant with the request of the lender, due to the threat and duress of prospective credit reporting by lender in retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ 0.00-Late Closed Late Dates : XXXX ( XXXX ) XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my experience credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report in shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report release according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Promptly delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified 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 supposed to not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2020 My credit score ( XXXX  and Equifax ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with XXXX  subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suddenly started reporting a missed payment in XX/XX/XXXX on an account that was closed and paid in XXXX. I have already filed a complaint against this bank & Equifax for the error reporting in XXXX, CFPB forward it to the XXXX XXXX XXXX, only to find out that the XXXX XXXX XXXX XXXX is not an actual XXXX XXXX, & from there nothing more came of it. 
I filed a dispute with Equifax for reporting the missed payment in XX/XX/XXXX, but they claimed it was verified. 
This Error Reporting has caused me & my business to be denied credit on more than 2 occasion. 

Equifax reports this account as a closed account since XX/XX/XXXX, yet claims it is possible to have a missed payment 27 months post pay off. Doesn't make sense & is not fair that I can not see their proof. 
I can not speak to the actual bank because I do not have an open account & can not get past their automated phone system.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge Equifax to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps Equifax will take to rectify this situation for its victims.
Product: Mortgage

In XXXX 2016, I applied for a loan modification to modify my 2nd mortgage payments with Bank of America. 

Bank of America never worked on my submitted loan package. The paper work eventually expired and I had to submit another loan package on XXXX XXXX, 2016. 

Bank of America intentionally, delayed the review of my loan modification for over 60 days. I called dozens of time during the waiting period and got a recorded message of a Bank employee moving from this extension to another extension, and that they would be out of town. 

I finally received a phone call from XXXX XXXX. XXXX XXXX advised me my package was over looked and no one had worked on my loan modification package. 

XXXX XXXX informed me I would need to submit another loan modification package, because the paper work had expired. 

Bank of America intentionally used delayed tactics by not reviewing my loan modification package on time, and causing me to fall further behind on my mortgage payments. 

I lost over 60 critical valuable days by Bank of America not reviewing my loan modification package on time. Bank of America deliberately stalls and delays loan modification reviews so a borrowers fall further behind in mortgage payments. 

It took Bank of America 120 days to review my loan modification package because of the lenders delay tactics to avoid modifying my loan. 

Bank of America is also using these tactics with other homeowners who are applying for loan modifications.
Product: Debt collection

Around XXXX XXXX, 2017, I signed up for a Ann Taylor XXXX in my local XXXX Alabama store. I was told the XXXX account would be automatically merged into my existing Ann Taylor card account with Comenity Bank. I went online to pay my card balance and it was not reflected in the balance. I called customer service and was told it 'd be resolved. Within two weeks, I started receiving harassing phone calls from random unidentified numbers. They never left messages. I would 've responded if they had left a voicemail. The frequency of calls increased within another week from 2 phone calls a day to 10-15 a day everyday. They always originated from a Caller Unknown Number on my cell phone and never left a message. Finally, out of pure exasperation, I answered the tenth phone call today on XXXX XXXX, 2017, from an Unknown number. At first, there was no answer but then a woman asked for my name and said she had official business. I asked from whom and she was reluctant at first to say whom. Finally she stated she was calling from Comenity Bank, claimed I was late and demanded I make a payment immediately. I explained all the aforementioned issues. She said that it wasnt her department and that I needed to make a payment tonight. I said I did n't feel comfortable giving sensitive payment information to someone I couldnt verify over the phone, and demanded that the robocalls stop. She said they would n't and she did n't have any control over that. I again explained that my accounts were never merged and that I never received notification of non payment. She still insisted I pay over the phone even though she never verified her identity. I said I would call in the morning and make a secure payment through a verified customer service line and agent. She told me the calls would n't stop until I made a payment. Frustrated and trying to explain that the issue was theirs, I hung up.
Product: Debt collection

Jefferson Capital System, has charge me for a account that was already paid out and this is an extortion and it need to be deleted immediately
Product: Credit reporting or other personal consumer reports

-DEPT OF EDXXXX XXXX Balance - {$7100.00} Date Opened- XX/XX/year> Type of account -student loan action took a letter no response
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiries : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is an FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent the required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.
Product: Credit reporting or other personal consumer reports

Description of What Happened : On XX/XX/XXXX, I sent a formal dispute letter to the credit bureaus requesting validation and verification of the following negative items. However, they failed to respond, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Incorrect Personal Information : Account Number : [ Redacted ] Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : Account Number : [ Redacted ] Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Unauthorized Hard Inquiry CapitalOne Date of Inquiry : XX/XX/XXXX The creditor did not properly verify my identity before running my credit, violating FCRA 609 ( e ). I did not authorize this inquiry, and per FCRA 604, hard inquiries require my express written consent. Since no proof of my authorization has been provided, this inquiry must be deleted immediately. 
Unauthorized Hard Inquiry XXXX  Date of Inquiry : XX/XX/XXXX This inquiry was made without my consent, violating FCRA 609 ( e ) and 604. Since no verification of my authorization was provided, I demand its immediate removal. 
XXXX XXXX XXXX Account XXXX : XXXX The credit bureaus failed to verify this charge-off within 30 days, violating FCRA 611 ( a ) ( 1 ). Additionally, this item is scheduled for removal within the next six months. As per XXXX, XXXX, and Equifax early exclusion policies, I am requesting its immediate deletion. 
Since the bureaus have failed to comply with federal regulations, I am filing this complaint to demand immediate correction and removal of these inaccurate and unverified items from my credit report.
Product: Credit card or prepaid card

I have had three cards from capital one a Walmart rewards card with a {$1300.00} limit, a capital one venture card with a {$7000.00} limit, and even my Kohls card because capital one merged with them with a {$5000.00} limit all closed or restricted without warning or explanation. The letter I received said because they observed activity on my account that is not consistent with their expectations of usage for personal family or household purposes. Please stop using this account immediately and destroy all cards and checks associated with it. And at the bottom, it says equal credit, opportunity act. that was for my Kohls card the letters for my Walmart rewards and my venture just literally stated equal credit opportunity act thats it. oh not to mention, Ive never missed a payment. I had to returned payments because I paid them early.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX S.S.N. : XXXX D.O.B. : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX and TransUnion Dear CFPB, I am writing to file a formal complaint against XXXX and TransUnion for their handling of my disputes regarding an account reported by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Despite submitting a police report and other documentation demonstrating this account is not mine, both credit reporting agencies continue to inaccurately report this account, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically : 1. Inconsistent Reporting : o XXXX reports late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
o TransUnion reports late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies alone indicate inaccurate reporting between the two agencies. 
2. Failure to Investigate Disputes : I provided a police report substantiating that this account does not belong to me. However, TransUnion AND XXXX continues to assert that the account is " accurately reporting '' without addressing the inaccuracies in payment history or ownership of the account. 
3. Harm to Credit Profile : The continued reporting of this inaccurate information is unjustly damaging my credit profile, resulting in financial and reputational harm. 
Attached to this complaint, I have included the following supporting documents for your review : A copy of the police report filed regarding this fraudulent account. 
A report from XXXX showing their account reporting. 
A report from TransUnion showing their account reporting. 
I am requesting that the CFPB intervene to ensure both XXXX and TransUnion conduct a proper investigation into this matter, remove the inaccurate information from my credit reports, and comply with the FCRA requirements. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX XXXX  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 XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, 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 XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was attempting to review my credit report. I noticed there was a account that shows as a charge off account that has been delinquent since XX/XX/2016, I was uncertain what this meant or what it was for. I proceeded to reach out to the company ( SEARS ) handling this account, after many hours of wait time I finally contacted the agency handling this account. However agency was unable to provide any information connecting me to this account, they could not discuss anything over the phone but did mention they can take a payment without verification as if this truly was my account. I asked for additional information mailed to be mailed out to me so I could know what this amount was for or if it even was mine! I have yet to receive any documents and this has been affecting my credit negatively for many years and I still can not receive a resolution on this matter.