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

This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX  for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to XXXX XXXX XXXX. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing XXXX XXXX and disputing for months with the XXXX credit bureaus XXXX, XXXX and Experian, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with XXXX XXXX XXXX. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$200.00} with Coinbase. This has resulted in a hold on my bank account and the funds are not available through them. I asked them to refund the Interchange fees. They refused and were quite degrading.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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

Unauthorized Inquiries, I have discovered unauthorized inquiries on my credit report please delete right away.
Product: Debt collection

Affidavit of Truth I as the consumer have the right to decline the inaccurate reporting of the negative information furnished on my credit report by Capital One pursuant USC 1681B.I did not give written consent for Capital one to furnish this inaccurate information pursuant USC1602 Original Creditors-Truth and lending act, a consumer has a right to privacy. Capital one never furnished a copy of ( GAAP ) Generally Accepted Accounting Principles audit trail of them lending me credit pursuant USC1602J.This company continued to call me multiple times a day and send emails threatening legal action against me when I had already asked them to stop pursuant USC1602a Truth and Lending Act This scare tactic and harassing behavior occurred from the years XXXX. I specifically received an email threatening legal action on XX/XX/2020 from Capital one, attempting to collect a so called debt totaling {$1300.00} in which again they never provided the GAAP audit trail or show proof that I indeed was loaned anything as a consumer. I demand as a consumer for this negative inaccurate information be removed from my credit with all 3 major credit reporting agencies ( XXXX, XXXX, XXXX  ) report immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per FCRA Section 605, it is imperative to eliminate any items identified in Identity Theft Report # XXXX. This serves as a follow-up to my previous complaint, reiterating concerns that I have previously communicated and now including a new FTC report XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note the four-business-day deadline for the removal of these reported items resulting from alleged identity theft. I want to emphasize my non-consent to E-OSCAR or any form of automated verification.
Product: Credit reporting or other personal consumer reports

I have been having an ongoing problem for the past XXXX years with Equifax reporting inaccurate information. I filed bankruptcy XX/XX/2023 and the bankruptcy was discharged XX/XX/2023. Equifax is the only reporting agency that has removed the bankruptcy from public record and shows all of the discharged debts as current. I requested a freeze on my credit report until the report was permanently corrected but, was denied because I deemed it too risky to mail in a copy of my license. I felt this was not needed since they completed a credit identity verification through their automated system. Prior to filing bankruptcy Equifax would report inaccuracies such as reflecting paid/closed accounts as open, then a few days later report them correctly only to turn around and report the wrong information again. This has resulted in my score increasing or decreasing 80-100 points on any given day.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, XXXX. XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

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

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

Greetings Sir or Madam, I am writing about a student loan that I paid off in 2013, but is still appearing on my credit report. 

When I went to the XXXX XXXX of New York, I took out loans with Sallie Mae/Navient. After leaving school I consolidated those loans and made a bulk payment of XXXX from my XXXX account on XX/XX/2013 ( It shows up as XXXX Student loan payment '' ). When I made this payment I did receive confirmation that my student loan debt was paid off as well. 

I have not received phone calls about account issues and my phone number has never changed. 

My credit report shows all of the Sallie Mae/Navient accounts as closed, but there is only one balance as still unpaid and the account name is " U.S. DEPARTMENT OF EDUCATION ''. 

Recently I had {$7000.00} taken from my federal tax returns by the IRS/Dept of Ed ( which has never happened before ) I assume? I am currently trying to find information, but it is very difficult to get in touch with the Department of Ed, as well as Sallie Mae/Navient.
Product: Mortgage

On my husbands credit, it continues to show late payments for months now on a property that was foreclosed in 2009. The company is Real Time Solutions. We are not able to move forward to buy a property because of the damage this has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sente mortgage did a hard credit inquiry without my consent in an attempt to provide a mortgage when I already told them that their rates were too high
Product: Credit reporting or other personal consumer reports

I have been recently looking into my credit reports and saw a ton of things not valid on it. I want Equifax to look at my request and remove all of these inquiries that are not mine and accounts they are reporting that are nowhere near accurate and remove them.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to properly investigate and verify negative items on my credit report. TransUnion 's handling of disputes and verification processes appears to be inadequate, resulting in significant harm to my creditworthiness and financial stability. 

The negative items in question include, but are not limited to : Late Payments Bankruptcies Charge-Offs Collections Unverified or Unauthorized Credit Inquiries Nature of the Complaint Improper and Inadequate Verification : I have disputed multiple negative items on my TransUnion credit report, but the company has responded with vague statements that the items were " verified '' without providing any evidence of their investigation. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable investigation for disputed items. It is clear that TransUnion is failing to meet this obligation. 

Failure to Provide Supporting Documentation : I have requested documentation to validate the accuracy of the disputed items, including original creditor agreements and account records. Despite my requests, TransUnion has failed to provide any substantive proof or evidence to support the continued reporting of these items. Their lack of transparency and failure to produce meaningful verification is unacceptable. 

Reporting Inaccurate or Unverified Information : TransUnion continues to report outdated, inaccurate, or unverifiable information on my credit report. This includes unauthorized credit inquiries, accounts that have surpassed the statute of limitations for reporting, and other items that remain on my report despite my disputes. 

Negative Impact on My Creditworthiness : These improperly verified items are causing significant harm to my credit score and limiting my access to credit and financial opportunities. TransUnion 's negligence in addressing these disputes has further exacerbated this harm.

Accounts but not limited to 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

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN AND XXXX Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was in Chapter 13 bankruptcy and the mortgage company at the time ( XXXX ) was directed from the judge to modify my mortgage ) XXXX processed it gave me a temporary modification and when it was to become permanent, they sold my loan to another lender who used FAY servicing. Apparently Fay was not being held responsible to teh court ordered modification, agreed after a year to give me a trial mod but they required me to give them XXXX down, in which I did. I was given a permanent loan modification in XX/XX/XXXX, soon after I was diagnosed with XXXX and was making monthly payments, I apparently missed 2 payments, because of my Chapter 13, they did not contact myself or my husband ( who is co on the loan, but not included in the bankruptcy ). Next, the {$10000.00} that I gave them, they put toward past due escrow payments which I had believed would go toward paying down the loan. The modification they gave me resulted in my mortgage payment being XXXX a month, I have been struggling to pay them, finally out of chapter 13, realizing they did n't extend the loan out, just added the P & I back into the loan, missing 2 payments and finally the loan was put back online for me to access last month, now I received 1 notice saying I owed money - yesterday I received a letter saying I was in pre-foreclosure status. I do n't know what to do or where to turn to for help. I had to make a payment arrangement with them to pay 3 months by XX/XX/XXXX - which I did, but now will not be able to pay anyother bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name and sent Experian the requested name change documentation. 

They successfully changed my name, but are now reporting on their website that I have no credit history. 

I have attempted through several disputes via e-mail to resolve this situation. Experian directed me to call their National Consumer Assistance Center. 

I called the National Consumer Assistance Center and was on the hold for over an hour. They directed me to a person who said that the National Consumer Assistance Center saw no problems with my credit report, and that it showed I had a long and excellent credit history. The person at the NCAC attempted to direct me to someone back at Experian, and Experian hung up on me and did not call me back. 

I opened another dispute asking them to resolve the issue instead of directing me back to the NCAC. They didn't even read the dispute message, and directed me back to the NCAC. They seem to refuse to resolve this problem.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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: Vehicle loan or lease

This company is in the business of predatory lending. They also charge misalanious fees that they call late fees or payment fees. It ruins consumers credit.
Product: Checking or savings account

First of all I had XXXX $ of unauthorized transaction on cash app starting in XXXX to XXXX I had reported every single one. each transaction XXXX threw " XXXX XXXX  '' and each transaction was done in different states I provided proof to customer service and they had only gave me back XXXX. Second of all I used there check deposit feature where you take a picture of the check and it gets deposited into my account it was for XXXX and they now say it will take up 13 days for my check to be deposited. I had reached out to them to see if they could make it quicker or decline the check so I can cash it else where and was told they were unable to do either. Attached are only a few screen shots that I had taken as proof