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

I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding the repeated attempts I have made to remove an accounts included in bankruptcies and public records from my credit report. Despite my diligent efforts to rectify this issue, it persists, causing significant harm to my financial well-being. 

I initially contacted your agency on date of initial dispute to report and dispute an account that is inaccurately included in bankruptcies and public records on my credit report. Since then, I have made several additional attempts to address this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, this account remains on my credit report, negatively impacting my credit score, financial credibility, and overall trust in your agency 's ability to maintain accurate credit reports. This inaccurately reported account has a direct impact on my ability to secure loans, housing, employment opportunities, and other financial endeavors.

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of this account in bankruptcies and public records. It is crucial to emphasize that this account does not belong in bankruptcies or public records and is not a reflection of my financial responsibility.

I urgently request that you take immediate and definitive action to remove this account from the bankruptcies and public records section of my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made.

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your immediate assistance to remove these following items : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX XXXX, Westlake Financial Services, XXXX XXXX XXXX  XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report. 

On XX/XX/2020 I received a Hard Inquiry by these companies : XXXX/Westlake Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX. I did not authorize these companies to submit these credit inquiries or to obtain my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. Specifically, I allege non-compliance with the following laws and regulations : Fair Credit Reporting Act ( FCRA ) Violations : 16 CFR 313 : Non-compliance with regulations concerning the safeguarding of consumer information. 

15 U.S.C. 6801 : Failure to protect the confidentiality of nonpublic personal information as required under the FCRA.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information on credit reports within the statutory time frame. 

Privacy Act of 1974 and Related Regulations Violations : 12 CFR 1016.1 : Failure to adhere to definitions and responsibilities under the FCRA related to consumer financial information. 

12 CFR 1016.4 : Denial of consumers right to opt out of information sharing practices.

12 CFR 1016.7 : Failure to provide adequate notice and opt-out opportunities for consumers as required. 

Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S.C. 6802 : Non-compliance with requirements governing the sharing of nonpublic personal information.

12 U.S.C. 6805 : Failure to comply with the Bureaus enforcement authority concerning consumer financial protection laws. 

Consumer Financial Protection Bureaus Authority Violations : 12 U.S.C. 5511 : Non-compliance with CFPB-enforced consumer protection laws. 

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1666b : Reporting inaccurate or unvalidated negative remarks on my credit report. 

Compensation for Violations : Per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), compensation for each willful violation of the FCRA is {$1000.00}. 

Specific Allegations : Reporting of Negative Remarks : All negative remarks on my credit report are in violation of the FCRA and FDCPA because the validity of these remarks can not be furnished or validated as required by law. 

Account Ownership vs. Validation : While I do not dispute ownership of the account ( s ), the reporting entity has failed to provide full reports of how the information was validated and verified, and whether their practices comply with the above regulations. 

Request for Compliance : If the reporting entity can not furnish evidence of compliance with validation and verification procedures, as mandated by law, the accounts and negative remarks must be removed from my credit report immediately. 

Relief Sought : Investigation : I request that the FTC and CFPB investigate these violations thoroughly. 

Correction of Records : Any unvalidated or non-compliant negative remarks must be removed from my credit report. 

Transparency : Provide full documentation of the validation and verification processes used to report the negative information. 

Compensation : Per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ),. 

Compliance Assurance : Ensure that the reporting entities involved implement and maintain compliance with the applicable laws and regulations. 

The companies in violation of this are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is this company cbe group also known as charter communications they are reporting a collection to all three credit bureaus that is very much inaccurate I have been a victim of identity theft and I need this debt collection to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account number XXXX is reporting late payments, XX/XX/2023 which is in violation of my federal rights. 

15 U.S. Code 1666b - Timing of payments.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

I have a mobile banking app called XXXX XXXX  ( member fdic ) I was trying to transfer my savings to my new bank account I have with capitol one unfortunately capitol one froze the account because XXXX is an prepaid bank.. so I told them I can provide any information you need to prove and show you that every dollar belongs to me and they are really not trying to hear me out and is giving me a hard time its been a week.. everythings legit I have paper work, bank statements, emails, screenshots etc proving this is mines and that I want my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate personal information on my credit report and did not get a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft please remove this fraud inquiry from my credit repor
Product: Prepaid card

I accepted American Express ' offer of a replacement {$100.00} gift card, which I activated but the card never worked. I called the customer service number and was informed that the funds had been sent to the MN XXXX XXXX XXXX as unclaimed. I checked that website and there was nothing listed under " XXXX XXXX '' ( note the misspelling of my first name by American Express ). I waited a few months and then checked the MN XXXX XXXX XXXX site again and nothing listed, so I called the customer service number again and was told the same thing and also told there was no one to talk to about the discrepancy. Very frustrating so need to pursue this because of principle as there likely others who have had this happen and don't have the means to do so. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY SAID THEY HAD COMPLIED BUT HAS NOT. THE COMPANY IS REPORTING DAMGING INFORMATION ON MY CONSUMER REPORT THAT IS CAUSE SCRUTINY UNJUSTLY AND DAMAGING MY REPUTATION
Product: Payday loan, title loan, personal loan, or advance loan

In XXXXmy first loan I had a accounts with one main financial company and I was told and pressured that I must have those add-ons It was never a choice they said that I had to have it in which I did and since then I have renewed my loan with them and that's another issue that I'm having because I got a pre-approval from XXXX XXXX that I was able to get a lower interest rate but I was denied this was recently.I use my car as collateral and because my car is so much less now they said my car that is not worth it and I was trying to get a lower interest rate a couple of months ago and was denied I got the little pop-up thing from XXXX XXXX that I was going to be pre-approved but I wasn't but my main issue with them onemain s because my very first loan that I had with them that I got with one man couple years ago I was told that I had to have those add ons that it was mandatory for me to get those add-ons that they pushed me to get and now on the other issue that I'm having is because I'm trying to get out of this loan.My car that I use them for collateral is not worth what they have me paying back and I only took out that loan to help my son with his education.I took a student aid loan out that's when it was thought that up to {$20000.00} we're going to be forgiving so now I need help getting out of this predatory loan and I don't want it to affect my credit because I'm trying to buy a house one main is like the biggest I suggest no one get there loans no one at all
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus can not be consistent on what they reflect on my credit report. I've been turned down on mortgages because of my scoring. From the attachments you will see the screen shots I've saved from my credit reports which were seen only a month apart. The discrepancy is for XXXX. XXXX report shows I was late XX/XX/XXXX. This is the month I paid for a {$300.00} secured credit card. You will also see status in XX/XX/XXXX as paid, closed. Then in XX/XX/XXXX, the status changed to XXXX past due. You will also see months late pages which is also inconsistent. I have a current complaint open for XXXX as well. I also want to know WHY my score with XXXX went down XXXX points! There is NO explanation on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not yet resolved the issue. Below the company details : SYNCB/PAYPAL XXXX XXXX XXXXXXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, Equifax, XXXX & XXXX. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, Equifax and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, 0 delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 4th straight month XXXX  has inaccurately reported my account as late to all three credit bureaus ( XXXX  Experian XXXX  ) each month a investigation is launched and is found that XXXX  has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX  as late even though that it was NEVER late and was never reported as late until XXXX  ( again was already reported as paid on time and current to credit bureaus until XXXX  ) this is VERY inaccurate as I have never missed a payment
Product: Credit card

I have been a loyal XXXX XXXX XXXX XXXXXXXX for nearly 20 years. I called on XX/XX/23 to inquire about upgrading my current card as I had this card for over a decade with minimal rewards and credit line increases. The minimum payment due ( due date was XX/XX/23 ) was {$93.00}. I made a payment of {$700.00} and it was applied to my account. As of XX/XX/23, my credit limit was decreased from {$3500.00} to {$2900.00}. This happened to me over 6 years ago, my credit limit was {$4000.00} and decreased to {$3500.00}. I recently lost my father and I'm faced with financial burdens. I'm trying my best to catch up on my personal debt but decreased credit limits are a major set back as this effects the overall utilization rate, which is an importnant credit score factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. 

They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to XXXX XXXX  and XXXX Each bureau is reporting different payment information because XXXX  refuses to fix their reporting. 

I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, XXXX and Experian a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
Product: Debt collection

TRS Recovery Services is claiming my Grandmother owes two different fraudulent check amounts to XXXX XXXX XXXX, cashed by XXXX XXXXXXXX XXXX. 

1. Date XX/XX/2022 for {$400.00} Check # XXXX Transaction # : XXXX XXXX. Date XX/XX/2022 for {$240.00} Check # XXXX Transaction # : XXXX We haven't paid anything, and I keep telling TRS to tell XXXXXXXX XXXX XXXXXXXX to CHECK THE CAMERAS. 
We do not know if her identity was stolen, or if TRS Recovery Service is used as a false front for bait, because they are asking for ALL HER INFORMATION on this debt collection form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them, and they do nothing regardless of the fraud listed within the report. Experian needs to remove anything negative from my account as I have flawless payment history and I should have perfect credit. Unfortunately, due to their inept employees, outdated Infrastructure exposing them to security vulnerabilities and lackadaisical attitude when it comes to customer service, nothing has been done. 

Remove inaccuracies and make sure to re-list a positive account that was closed that I never stated to remove. There was a citi credit card that I had a positive history with. FCRA regulations state that a positive line of credit can maintain for up to 10 years and it has n't even been 5 years yet.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including finan
cial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
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 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.