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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Update to paid as aggree 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inquiry from my credit report
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information.

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

Opened account on XXXX XXXX, 2025 With Citizens Access and deposited {$5000.00} from XXXX XXXX XXXX transfer. Deposited {$10000.00} again on XX/XX/XXXX but got a notice that the account was on restriction and to call their customer service number. Called the number and rep she was unable to help. Even after I answered all their Identity questions correctly, I was told to wait a week and try again because the account was under review. Rep was unable to give me any reason. I can no longer gain access to my account because I am locked out.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion 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 and TransUnion, 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 XXXX XXXX and 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 XXXX and TransUnion inaction violates federal law and my rights as a consumer.
Product: Debt or credit management

Ive asked credit Corp solutions to provide me the original contract from the orig Place they purchased my debt from with my signature and proof of authorization. Ive never received it
Product: Vehicle loan or lease

For four consecutive months I have contacted Ally both by phone and in online chats for the sole purpose of aligning the due dates on each of my vehicles leased with them. 

I have repeatedly requested that Ally set both due dates for the 4th of each month for the following reasons : 1. The XXXX XXXX is due on the XXXX of each month. However, not every month contains 31 days. 
2. Every month contains at least 4 days. 
3. Social Security direct deposits are made on the 3rd of each and every month. 
4. There is no valid reason that Ally can not make both payments due on the 4th of every month. 

For four consecutive weeks, I have been repeatedly told by Ally representatives that they have made the request to set both due dates on the 4th of each month, that I would receive both an E-nail confirmation and a confirmation via a live telephone call from Ally. 

To date, neither has happened. As you may see from the details just taken from my online account at Ally, every single request has been willfully ignored by Ally. Not one single Ally representative has kept his or her word. 

XXXX XXXX XXXX ... XXXX {$7600.00} {$0.00} {$250.00} on XX/XX/XXXX XXXX XXXX XXXX ... XXXX {$10000.00} {$340.00} {$340.00} on XX/XX/XXXX Total {$17000.00} {$340.00} {$590.00}
Product: Debt collection

I am filing this complaint because XXXX MACYS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute into equifax about a fraudulent XXXX XXXX account. They told me my ftc affidavit was not acceptable and put the account under disoute instead if blocking the account in 4 days as required under fcra, further experian sent a block referral to gave equidax blick the account. Under u.s.c 1681 c-2 uf another credit reporting agency receives a block referral the account must be blocked equifax is clearly violating federal law.
Product: Mortgage

We are reaching out because we recently tried to sell our house and discovered that there were two partial claims totaling about {$50000.00} that we did not remember agreeing to and we were unaware was being processed through FHA not our lender. We thought we were accepting a loan modification without a partial claim, and when we signed the paperwork for the second partial claim in XXXX of XXXX we were told by a representative of our lender that it was some paperwork needed for the first partial claim we got back in XX/XX/XXXX, not an entirely new partial claim. Because of the partial claims, our house is worth less than what we owe on it, and we attempted to pursue a short sale of the property however because the partial claims were through FHA rather than with Bell Bank we were unable to do a short sale. We are now looking at foreclosure being we can no longer afford the house and with two liens/claims on the house we can not make a profit, break even or do a short sale. I am also including a communication with Bell Bank as we had reached out to them prior to accepting an offer on our house as we were unsure fully what we owed on the house and wanted clarification. As you will see in the email we were told we owe nothing other than the mortgage balance on the house which is {$140000.00}, we were also told this in phone conversation with a rep with our lender. This was highly inaccurate information they gave us which led us to taking an offer on the house that fell short of what we actually owed.
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 name : XXXX  # XXXX XXXX name : # has violated my rights. 

I looked at my XXXX 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: Credit reporting

I think that it is wrong/illegal for Equifax to list the same negative information on my report twice ; once as a public record ( bankruptcy ), and then again under negative accounts. Also, are they allowed to only report my credit history after my recent bankruptcy, as if I do n't have any other credit history, I have over 30 years of credit history, this affects the number of positive accounts that I have.
Product: Student loan

Multiple times putting me in forbearance without permission. I have to call and keep asking them not to. This has happened at least 3 times. Advertised and told me to go into the Repaye program without explaining the major interest on the back end. Delayed my entrance into program by getting 3 different answers about what they needed. Put me in forbearance again. Got out of income based repayment plan when saw interest amount and decided to pay off. Paid extra to apply toward principal. Applied it toward interest. Now they put me in forbearance again. I am on tape requesting I record the phone calls so I can prove Navient that every time I call someone gives me a different answers with an apology saying Im so sorry so and so told you that. That isnt the case. Ive explicitly told them do not put me back in forbearance and they keep doing it. I asked for a different borrower and they told me I have to find one on my own. I want to pay off my loans but I am scared they will not apply my money correctly. Please help. Just get me out of Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been flagged as impacted by the Equifax security breach. This constitutes incorrect use of my credit information because my personal information was divulged without my consent, due to the company 's inadequate website security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with transunion. please delete all information listed. this information is not 100 % accurate. delete all listed items that needs to be cleared to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened on XX/XX/XXXX, On XX/XX/XXXX I mailed letters of violation of code 15 USC 1681a ( e ) notifying them of my wrights.
Product: Mortgage

Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, and XXXX after numerous letters has refuse to remove unathorized inquires i did not give any permissible purpose or written consent. I contacted each company on my credit report and they told my to contact the credit agencies, which i have done and they still refuse to remove. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. You have not provided me with any information on how you verified these items. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance Employment, Court Order The following credit inquiries are related to none of the aforementioned permissible
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a job and was given a fraudulent check to be deposited in Bank of America from the company. The company scammed me because there was no job and bank of america said that they were going to protect me as a customer in case the check was fraud. Why would they allow a fake check to be deposited? They verified the check was good and allowed me to withdraw the money. I filed a police report a while back. Bank of America has the audacity to given me 60 charge offs! & has ruined my credit, I need this account to stop being reported to the 3 major credit bureaus, XXXX, XXXX, and XXXX. I will be filing a complaint with XXXX, CFPB, FTC and any other company that will accept complaints! This is unacceptable, I'm giving Bank of America the chance to do the right thing, to close out the account completely and stop reporting this on my credit. I not I will file the complaints and take this as far as it needs to go to get removed from my credit reports. I am sending a letter and letting you guys know that I want this to come off ASAP. please stop reporting to the credit bureaus. I will be waiting on their response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint concerning multiple unauthorized hard inquiries recorded on my credit reports by XXXX, XXXX, and TransUnion. These inquiries appear to lack a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) and corresponding regulations. 

The FCRA, specifically under 15 U.S.C. 1681b, stipulates that consumer reports may only be accessed for specific permissible purposes. These purposes include credit transactions, employment purposes, underwriting of insurance, or other purposes as outlined by the law. Additionally, 16 CFR 1022.34 reinforces these requirements by imposing duties on users of consumer reports to ensure they are obtained only for these legal purposes. 

Despite these clear legal parameters, my credit reports show multiple inquiries from various financial institutions and credit organizations without my prior knowledge or consent. These include inquiries from high-profile lenders and credit issuers such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and others across the three major credit reporting agenciesXXXX  XXXX, and TransUnion. 

The unauthorized inquiries span several dates and appear as follows across the credit reports : XXXX XXXX  reported inquiries from entities like XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX and others, all noted on the same date ( XX/XX/XXXX ), among additional inquiries throughout XXXX. 

- XXXX XXXXXXXX inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX, respectively, along with other inquiries dating back to XXXX. 

- **TransUnion** includes inquiries from XXXX, XXXX, and various others ranging from early XXXX to late XXXX. 

These inquiries have potentially negative impacts on my credit score and could lead to broader implications for my financial health and privacy. Under 16 CFR 1022.3, consumer reporting agencies are mandated to follow reasonable procedures to assure maximum possible accuracy of the information associated with inquiries and reports. The appearance of these inquiries without a permissible purpose suggests a lapse in these procedures and a possible violation of my rights under the FCRA.

Given these concerns, I am seeking the CFPB 's assistance in investigating these matters. I request a thorough review of the inquiries listed on my credit reports to confirm whether they were indeed made without permissible purpose. If these inquiries are verified as unauthorized, I urge their immediate removal and appropriate corrective actions against the entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter addressed to Experian dated XX/XX/22 and received by Experian on XX/XX/22 ( Attached ). In the letter I requested that Experian provide me the " NAME AND ADDRESS '' of the company it contacted to validate the " COMPLETENESS and ACCURACY '' of a reported bankruptcy record on my consumer file. In its response on XX/XX/22 in report # XXXX Experian stated that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' In my letter I clearly did not request for a verification, but a " VALIDATION '' based on the report it received from XXXX XXXX ( Data Furnisher ). In my dispute I provided Experian with a report and statement from XXXX XXXX which clearly shows " NO BANKRUPTCY '' in their database. I have attached this full consumer report from XXXX XXXX to this complaint. In addition, I have attached a letter from the Bankruptcy court certifying that they did not report any filings to Experian. Experian is clearly using " UNVERIFIED '' " INACCURATE '' and " INCOMPLETE '' information it has allegedly obtained from XXXX  ( a public database ). I have disputed the information obtained from XXXX and therefore according FCRA 15 U.S. Code 1681i, Experian must complete a full investigation. In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax the court ruled that CRA 's can not merely " PARROT '' Information and that it must conduct an Independent REASONABLE investigation. Based on the facts provided. I am demanding the removal of this bankruptcy record from my credit file due to Experian 's failure to conduct a REASONABLE investigation by contacted the court and or data furnisher for the " Completeness and Accuracy '' of this record. Experian has refused to provide me with the " Name and Address ' '' of the company it contacted as required by FCRA law. Experian continues to use " TEMPLATE '' responses to avoid having to provide " FACTUAL '' proof of evidence. I am not requesting a " RE-INVESTIGATION '' I am demanding the removal of this record solely on the evidence presented. Experian HAS NOT communicated by US Mail in an attempt to AVOID being held liable for its lies.