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

I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP
Product: Checking or savings account

After logging in to my account ( with correct username and password ), it wants to confirm my identity by sending a code to my telephone number. But the telephone number in my account is old and I no longer have access to it. Without this, there is no other way to access my account. 

I have created XXXX support tickets with the company explaining the situation. First they requested that I provide : name, phone number, email and last XXXX digits of the bank card. Then they wanted " the first XXXX digits and last XXXX digits of the card number. '' But now they want a picture of my government ID along with me holding the ID, but I am not comfortable providing such personal information for security reasons. 

I have asked for other methods if possible but they said there is none.
Product: Credit reporting or other personal consumer reports

Transunion continues to state that the XXXX XXXX and XXXX XXXX XXXX account is accurate but have provided me with no evidence to prove this. What investigation was done into this matter?! How are you validating this information. You are required to provide this information you can not just keep saying verified and dont even give proof of the investigation!
Product: Credit card or prepaid card

XXXX XXXX billed us for another customer debts and suspended my lines twice alleging that an old bill has not been duly paid off by our bank ( which I guess is not true as every bill was on Autopay by JP Morgan Chase Bank XXXX and we paid JP Morgan Chase statements ). 
I reported the case to the FCC, to XXXX XXXX XXXX  XXXX, & XXXX XXXX Offices. XXXX answered to them that JP Morgan Chase XXXX our bank ) did not pay to them, even invoking that the mention by them of another bank ( XXXXXXXX XXXX ), a phone line that is not mine ( ending XXXX, which appears to be of a XXXX City Attorney, and XXXX billed me ex post for a charge back of that line ) were " mistakes ''. Previously to complain, we have been on the line with XXXX for 17 hours in total and they did not fix their issues, we spoke with JP Morgan Chase and they assured to us that no payment had been reversed, and I believe them. But as XXXX insists that JP Morgan Chase did not pay to them, and on letters ( in writing ) to Federal Agencies and General Attorney Offices, I file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from the bank saying they ran a hard credit inquiry on my credit which turned out fraudlent. 

They have asked Equifax to remove the hard credit enquiry and thats the content of the letter there is no response from bank of a follow up nor has equifax taken any action
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within XXXX business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, EXPERIAN, XXXX XXXX, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX. XX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for $ {$7900.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerely, XXXX XXXX
Product: Student loan

I have received notice from my student lender, Navient, that they are not receiving my payments. My payments are however automatically made from my bank account for years to the previous company, XXXX XXXX, and I have never had a problem. This issue began in the last month when my check was, for the first time, not cashed by Navient. I have tried contacting them through an online form and received no response. I tried calling them at the customer support number on their website, and the number goes into a never ending loop where an actual customer service agent never answers the phone. As I have never been late for a payment, have impeccable credit and now risk an implication on my record due to the company 's own inability to manage its clients, I am filing a complaint in an effort to expedite a resolution. My automatic payment has gone to XXXX XXXX again for my XXXX payment as per the regular monthly schedule, and I fear it will also not be collected. In the absence of a conversation with Navient I am however unable to resolve this issue and therefore require assistance.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX, Transunion, XXXX and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. XXXX XXXX  and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information. 

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information. 


Thank you for your prompt attention to this matter
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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.
Product: Credit card

I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. 

By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. 

I know longer want to do business with such a Despicable company. 
Capital One is Dishonest and they hurt their Customer Credit Scores. 

Waiting to hear from you. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX Have 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 reporting or other personal consumer reports

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile.

This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX  - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fromXX/XX/2017 

I've tried Experian to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XX/XX/XXXX, a third party. Well I have myXX/XX/XXXX file and it shows noXX/XX/XXXX on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Experian credit bureau.
Product: Debt collection

I submitted a CFPB compliant # XXXX  against National Credit systems onXX/XX/XXXX. and here was there response to the complaint : Company 's response This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX   has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX  identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.

National Credit systems also stated in the compliant : Company 's response The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute.

However I never received anything in the mail of the outcome of there investigation so I would be able to identify the specific item of information that I have been disputing : nor have I not been giving the opportunity to explain the basis for the dispute.

Furthermore I sent National Credit Systems a Certified Letter by mail on XX/XX/XXXXrequesting for documentation and they have yet to respond to my Dispute and letter request.
Product: Mortgage

This issue pertains to my Secondary Home Improvement Loan - originated and serviced by Gateway Mortgage - a division of Gateway First Bank. Last year ( XX/XX/XXXX ), I submitted a complaint that Gateway Mortgage was incorrectly applying my additional XXXX XXXX payment. After filing a complaint with the CFPB and multiple back and forth exchanges with Gateway Mortgage, the problem was resolved. However, This year ( XX/XX/XXXX ), the same exact problem has resurfaced. Again, they are taking the extra amount I give them every month and incorrectly applying it to future interest payments. Instead, they should be applying it to pay down my principle. This is very deceptive and is an attempt to put more money in their own pockets. If you review the history of my Mortgage with Gateway, you'll see that this is not the first time this deception has occurred with Gateway.
Product: Debt collection

National Credit Systems ( Collection Agent  ) claim that I owe their client, XXXX XXXX ( former Landlord ), {$2600.00} is wholly illegitimate. Nonetheless they have wrongfully reported this amount as a collection item to my XXXX major credit bureau reports, which I am seeking CFPB assistance to have removed. 

The former Landlord claims these funds are owed for back-rent, as a result of my vacating my apartment before lease-end. While I acknowledge having vacated before lease-end date, I provided more than required notice of this to the Landlord, and critically, in attempting to re-rent my former apartment, the Landlord failed to abide by XXXX Landlord Tenant Act, Section 83.595 ( 2 ) - choice of remedies upon breach or early termination by tenant. As a result, I find that the Landlord can not collect back rent, from me, and must return my security deposit. 

I detail all of this in my lawsuit against XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX ) , slated for Pre-Trial, as of this writing, on XXXX XXXX, 2024.

Nonetheless, the Collection Agent first contacted me around early XXXX 2024, to demand this
payment. In conversation with XXXX XXXX, Collection Representative, on several occasions that month, I explained that the funds that the Landlord claims, are wrongful, and that the Landlord must return my deposit. I submitted supporting documentation to that effect, including the full lease agreement, relevant sections of Landlord Tenant Act, and copies of written communications between myself and the Landlord. XXXX XXXX explained that a resident ledger listing a sum of {$2600.00} is evidence that I owe these funds. I disagree - that the Landlord entered erroneous charges on their resident ledger system does not prove legitimacy- it proves nothing. XXXX XXXX had no response to this point other than that she would look at my submitted documentation again. 

On XXXX XXXX, 2024, the Collection Agent sent me a letter ( falsely ) claiming that I have not submitted information sufficient to validate their claim.