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

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KY XXXX To Whom It May Concern, TransUnion blaluant disregard of the law. I told TransUnion these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. TransUnion refused to remove inaccurate and fraudulent information from consumer report. My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items below DELETED from my credit reports effective immediately. The FCRA does not stipulate 2 years however it does say up to one year. Law always trumps your policies or guidelines. I did not authorized these inquiries : XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deleted and {$8000.00} monetary damages per violations of the Fair Credit Reporting Act TransUnion violated the consumer eight times with 15 USC 1681b - Permissible Purposes CFPB please make them comply to the Federal Law FCRA 616 Civil liability for willful non-compliance FCRA 617 Civil liability for negligent non-compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX FAFSA student loan and grant were disbursed and it is now XXXX PT on XX/XX/XXXX and its still not available in my account.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a certified letter on XXXX to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. TransUnion has dated opened as XXXX and XXXX XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from TransUnion is XXXX and XXXX XXXX XXXX have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while TransUnion XXXX XXXX have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all 3 credit reports.

See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.
Product: Mortgage

On XXXX XXXX, 2015 I wired a mortgage payoff to Ocwen Loan Servicing as part of disbursing a refinance loan I closed. I own a title company and disbursing loans is a major part of my job. The payoff letter states that " ... upon our receipt of the entire payoff amount, Ocwen will execute a release and discharge of the Deed of Trust/Mortgage .... ''. The payoff was wired to Ocwen on XXXX XXXX, 2015, and as of today, XXXX XXXX, 2015 the mortgage remains open of record. I called Ocwen to try to resolve this issue and they told me that they will not speak to me about this matter, only the owner of the property will be spoken to. I am not in the habit of bothering clients to chase down their cancelled mortgage documents and I believe Ocwen is acting unreasonably in this matter. As part of my normal course of work I had to issue a title policy to the new lender at the time of the refinance, giving them XXXX lien position. I did not hesitate to issue the policy because I knew that I had paid the mortgage in full, recorded the new mortgage and the other tasks necessary to fund a loan. I now find myself not knowing what to do since Ocwen is refusing to help me. I am the person that ordered the payoff letter, so I must be an authorized party to speak with them. It is imperative that Ocwen cancel this mortgage of record.
Product: Debt collection

Credit bureau is in violation of FCRA, 49 CFR 801.56, XXXX- XXXX- XXXX   ACT etc.
Product: Credit reporting or other personal consumer reports

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

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

AFFIRM INC # E70Q97 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested that Transunion investigate a negative mark on my credit report. Transunion 's investigation into the matter was inadequate, and they are allowing a known scammer and rogue debt collector to damage my credit report. XXXX XXXX XXXX, XXXX should not be allowed to credit report, especially a disputed debt like the one on my credit report. XXXX XXXX XXXX, XXXX has had several civil penalties imposed by various state attorney generals, has been ordered to cease and desist collection activities in several states, and Transunion 's continued reporting of this disputed information on my credit report makes it complicit and subject to liability for knowingly and willfully allowing this type of entity, with this type of track record, report invalid information on my credit report. 

Based on the facts, XXXX XXXX XXXX track record of enforcement action taken against it, and there willingness to continually break the law, I hereby demand that Transunion block this information from my credit report, and/or fully delete this from my credit report.

I am attaching an order to cease and desist from the Idaho Department XXXX XXXX dated XX/XX/XXXX, a Consent order from the state of Connecticut dated XX/XX/XXXX that bans XXXX 's from collecting debts, and the Temporary restraining order from the state of Connecticut 's banking commissioner dated XX/XX/XXXX to evidence the multiple violations known by this company. This should evidence that we are dealing with a debt collector that operates at the absolute lowest level of compliance, and allowing them to continue to credit report after having knowledge, and evidence, of there wrongdoings will make Transunion liable damages in the event litigation is brought against the offending parties. 

Please let it be known that XXXX XXXX XXXX Is attempting to collect a debt on a disputed Brinks debt that was canceled appropriately per California State Law, that govern how renewing alarm contracts work. There is no valid debt.
Product: Student loan

I am the co-signer for the loan taken with Rhode Island Student Loan authority. The loan owner was making payments with the loan provider. The loan owner had some life changes with job and personal life and defaulted on the loan. I didn't know the loan defaulted. RISLA hired a collections lawyer ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ) sending me collections notices and judgments letters demanding money. I spoke with them to ask them why haven't they tried to reach the loan owner and they said they can't reach her and we are going after you for the money. I told them I have her contact information but they said they didnt want it because they are going after me. I have hired a lawyer to help because I have to keep my credit clear to keep my employment and I just didn't know where to turn. The lawyer was not help at all, he put me right back to the same area I am now. I am currently in school getting my masters, after I finish I will have my federal loans to consider for myself. They would not give me an reason why they could not work out an agreement with the actul loan owner. If you can help me that would be wonderful. Thank you
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 : VANCE & HUFFMAN LLC : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Called to complain about a fraudulent service I received. The credit company reimbursed my credit card and said they would look into my claim. 2 months later I seen on my statement that I was charged again for the original fraudulent amount. 
I called the credit card company and they told me that since they did n't receive a letter from me about my claim that they closed the dispute and charged me the full amount. I told them I never received the letter since I am retired and have been on vacation for 2 months. Capital One told me no problem, they would reopen the case and send me another letter. 6 weeks later I talk to the Capitol One and they tell me that they can not reopen my dispute!! Since I originally did n't mail them the letter ( that I never received ) they ca n't reopen the dispute. I said why did n't you tell me that 6 weeks ago!!
Product: Checking or savings account

On or about XX/XX/XXXX I met with a Chase bank officer, XXXX XXXX, in their branch at XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX to open a new checking account. The account was to be joint in both my name and my wife with me signing on her behalf as attorney-in-fact. I brought along the POA which XXXX XXXX scanned into their system and said had to be reviewed by their appropriate department before proceeding, therefore I must return to complete the account opening. After maybe 2 weeks of not hearing from XXXX XXXX I called her office and she said they would not allow me to open a joint account with my wife as her attorney-in-fact. I asked for further detail as to what paragraph of the CT statutes this decision was based on and some days later I learned from her that the applicable department would not respond to her with any additional information. 
The decision of JPMorgan Chase Bank to refuse to honor the authority conferred via our POA is in violation of Connecticut statutes, which states financial institutions are specifically mandated to accept a POA, and it cost us a {$600.00} bonus that was offered by Chase at the time for account opening with a specified balance. There is no exclusion in the Connecticut statutes for a representative to enter into joint agreements with the grantor under the representatives authority nor does it specify additional wording is required in the power of attorney document to cover such a situation. 
In this process Chase also violated Connecticut statutes specified in SB190 effective XX/XX/XXXXXXXX  that states : a financial institution must accept a POA when it is presented for acceptance, regardless of whether or not the institution asks for a certification, translation, or attorney opinion. Under the bill, a financial institution may still ask for additional documents, but it can not refuse a POA or delay its acceptance without such documents. 
The difficulties with financial institutions with regard to POAs has long been recognized and has prompted revisions to state of Connecticut general statutes such as 1-350R/S back on XX/XX/XXXXXXXX  : Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons ''. Firm enforcement with severe penalties need to be levied in order to stop the abuse of people with representatives assisting them. Your assistance is requested in bringing enforcement actions against JPMorgan Chase Bank for so blatantly disregarding laws with impunity.
Product: Vehicle loan or lease

I bought a brand new Tesla XXXX XXXX XXXX back on XX/XX/2023 and put down XXXX XXXX  for the XXXX loan done through Tesla app. However, I just noticed that it's only showing that I only put down {$10000.00} with a monthly payment of {$550.00}. The remaining {$4700.00} is missing is not reflected on the loan or the monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general If, 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. 


The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : ELAN FINANCI  Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry
Product: Debt collection

on XX/XX/2021, i sent South Mississippi Collection Service Inc letters regarding the alleged debts of {$150.00} and XXXX that i don't owe. i didn't get any respond from them which is a violation, so i sent them another letter on XX/XX/2021 asking for the validity of the alleged debts, in which i haven't received anything from them. i am asking for these inaccurate tradelines be deleted from my credit report because its damaging my credit and causing me great stress.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts marked as inaccurate 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
Product: Vehicle loan or lease

Global Credit Union aka Alaska Federal Credit Union is the lien holder of my active personal auto loan. 

Every 6 months my insurance gets renewed Alaska Federal Credit Union places forced insurance on my account without any notification. I call them to find out why my payment went up by 30 % and they are quick to answer that my insurance had lapsed. I have changed providers twice and have always had coverage. I tell them that my contract is designed to auto renew every 6 months and that my insurance company has a relationship with me and not the credit union and that the credit union is just a lost payee or lien beneficiary on the contract. My insurance company can not initiate contact but I told them as the loss payee they can call the insurance company and verify insurance whenever they want only in the case that they discover that cover has truly lapsed should they place forced insurance. Regardless I should have received notification of this forced insurance prior to placement period so I can clear any misunderstandings, my credit and banking accounts have all been affected by this since 2018 when I took out the loan on the vehicle. 

The education level at this particular credit union is very limited, they do not have very good protocol or communication skills. They are giving small banking institutions and are giving credit unions a bad name.