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

I contacted Transunion, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccuracies on an account on my credit reports. I received no verification, corrections, or deletion as requested if actions weren't taken. They completely ignored me and blew me off.
Product: Credit reporting or other personal consumer reports

Inquiry- XXXX Date XX/XX/year> XXXX cfpb my name is XXXX XXXX XXXX and im contacting equifax regarding a inquiry thats on my credit profile. This inquiry was open from someone who stole my wallet and information on XXXX XXXX to get something on my credit. This inquiry is unauthorized and is fraudulent. PLease remove this off my credit report. Ive also attached personal documents to this Cfpb report including my identity theft document that i filled.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Four accounts were placed on my credit without an initial demand letter being sent. When disputed the validation still was not sent to me, including the demand letter. I have zero knowledge of these debts and am not getting the correspondence I am entitled to.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my TransUnion credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations XXXX. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose. 
XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Debt collection

XXXX XXXX XXXX sued me in case no. XXXX but tried to serve me at my ex wife house, but XXXX XXXX had my correct address. The clerk of the court told me to pick up the summons on XX/XX/year> and confirmed Proof of Service did not exist. This violates the FDCPA.
Product: Credit reporting

I just got an update that I have a over due bill in collections from XXXX. I called XXXX as well as the collection agencies that work for XXXX ( XXXX ) to check if I had a past due balance. 
XXXX and the credit agencies confirmed that I do not owe any past due accounts and they have not reported me to the credit agencies. 
This information is erroneous. It will impact my business hence I would like to get it addressed ASAP or I would be forced to take legal action.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 


Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Equifax has it where I can't dispute information and wrong information on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized credit card accounts were attempted to be opened in my name between XX/XX/2022 thru XX/XX/2022. This resulted in hard inquires on my credit report. I've contacted the ( 3 ) major credit bureaus to dispute the fraudulent activity. In addition I've contacted each creditor to close any unauthorized accounts.

I've been mostly successful in making contact with each creditor and identifying the unauthorized activity, with exception of one account ( XXXX  ). XXXX is unable to provide any information. XXXX was unable to produce an account or application, even though there was a hard inquiry on my credit report. 

The hard inquires were made from the following creditors. 
XXXX on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 There was an unauthorized loan application on XX/XX/2022 ( XXXX XXXX XXXX XXXX  ) . I was able to reach the bank and notify them of the fraudulent activity. 

Credit reports from the 3 major credit bureaus are currently frozen and/or locked. 

XXXX is requiring supporting documentation to remove the unauthorized inquires from my credit report. Supporting documents include a " police report '' and/or a letter from each creditor. Do to the number of creditors and the tedious process of contacting each creditor, it puts an undue hardship on the victim to make the corrections.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I found these inaccurate addresses in my credit reports and I did not find my current address included. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of addresses which do not belong to me : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3200.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$2100.00}
Product: Student loan

My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX XXXX.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. Please assist me with getting my recertification date extended to XXXX  XX/XX/XXXX. 



MOHELA is my servicer and recommended an income recertification date of my plan for XX/XX/XXXX ( so that it was completed by the recertification anniversary date ). My IDR anniversary and income recertification date by the US Dept of Ed and MOHELA was XX/XX/XXXX. This falls before the earliest date of recertification noted by the US Dept of Ed of XX/XX/XXXX and therefore should be extended out to next year XX/XX/XXXX. MOHELA is failing to recognize this and refusing to update the recertification date. 



I have contacted them now XXXX times in the last month and wasted about XXXX hours on the phone with them, causing much aggravation, starting XX/XX/XXXX. On XX/XX/XXXX I talked to XXXX for over XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I talked with a supervisor named XXXX who stated he would be submitted a request to have my date extended out and that it would not be an issue. Unfortunately, that went nowhere. This last week I noticed that I was taken out of the SAVE plan, placed into a standard repayment, and my payment next month is {$2500.00} higher! I contacted them again on XX/XX/XXXX and they tried to tell me my recertification date was in XXXX which was just incorrect. On XXXX I talked with yet another supervisor who said they would be sending me a letter confirming the extension for XXXX XXXX  but I have not received this by mail or by electronic. Today on XXXX I talked with XXXX ( ID # XXXX ) who Said the initial request by XXXX on XX/XX/XXXX was canceled. It was escalated to a higher department pending review. She Still sees me on SAVE plan despite my account when I review it showing me taken off and put on a standard plan. She sees my IDR renewal date being XX/XX/XXXX recommended by MOHELA XX/XX/XXXX and agrees it falls before XXXX and should be extended out by XXXX XXXX. Today she Placed loan into forbearance until XX/XX/XXXX to get this figured out. 

I have been given numerous mixed messages from them, from people who have absolutely no clue what is going on, to people trying to gaslight me and provide misleading information ( telling me my recertification date is in XXXX when it isn't ). It has been escalated to a supervisor now XXXX times. I need assistance in sorting this measure out.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. CFPB I urge you to fully investigate this matter. 

I am also in the process of contacting the office of XXXX XXXX Director of the Consumer Financial Protection Bureau For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Consumer Complaint Against : EXPERIAN XXXX XXXX  XXXX, XXXX TX XXXX Violations of California Law, Violation of FCRA ( Fair Credit Reporting Act ) and applicable State consumer protection laws. Experian Report # XXXX XX/XX/XXXX Consumer Credit File : XXXX XXXX XXXX XXXX Soc. Sec. xxx-xx-XXXX DOB : XXXX This is a formal complaint to be filed against EXPERIAN credit reporting agency. Please see Report # XXXX dated XX/XX/XXXX ( EXHIBIT 1 ), regarding XXXX XXXX XXXX, Acct # XXXX for {$7600.00}. This incorrect information has been disputed with evidence. It is unlawful for Experian to report information submitted by a credit furnisher if the information has been clearly disputed with contrary information. The information furnished to Experian has been disputed and therefore this account needs to be Deleted from my file consumer file within 30 days of receipt. I have also filed a complaint against XXXX XXXX with the National Credit Union Administration ( NCUA ) Case # XXXX. PROMISSORY NOTE LACKS CONSIDERATION The alleged debt currently being incorrectly furnished and reported in my consumer credit file has many legal issues. Firstly, this alleged debt is not mine. I received no consideration nor proceeds. ( EXHIBIT 2 ), All legally binding enforcable contracts in the State of California require consideration, meaning each party must gain something. Promissory Note Lacking Consideration Is Not Enforceable Terry v. Myers ( October 29, 2012 ) 2012 WL 5307912 (  Unpublished ) California Court of Appeal, Second District, Division 3 Relying on the UCC, the Court of Appeal upheld the trial court 's decision that a promissory note was unenforceable because it lacked consideration. Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration.

Desired Outcome : Delete inaccurate information from consumer credit file 3.  Contract, Account, or Policy # : report # XXXX 4. Order # : account # XXXX
Product: Credit reporting or other personal consumer reports

My Personal information and social security number was exposed and compromised in a data breach..
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 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. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

My debit card information was stolen by an unknown party and used to make {$560.00} worth of purchases, appearing on my bank statement as XXXX separate " XXXX XXXX XXXX XXXX  '' transactions on XX/XX/XXXX and XX/XX/XXXX. I have provided my bank, XXXX, with evidence that shows these transactions were not completed by me, given that none of these charges appeared on my XXXX account, nor did I receive any email receipts confirming that I authorized these purchases. 

My initial claim began on XX/XX/XXXX, XXXX the moment I recognized my debit card information were stolen. Chase bank temporarily issued me a credit of {$560.00} to make up for what was stolen, however on XX/XX/XXXX I received a letter from Chase explaining that my claim was not found to be in my favor due to a lack of evidence and that they were going to take back the {$560.00} credit they had deposited in my checking account. 

I submitted additional evidence to Chase 's online portal on XX/XX/XXXX, and as of XX/XX/XXXX I was informed by phone that the claim still was not in my favor, despite clear evidence that I did not make these purchases. Chase 's reasoning, from what was explained to me on the phone, was that because my PIN number was used to complete these transactions -- it must have been me. 

I spoke with an XXXX XXXX  by the name of XXXX XXXX on XX/XX/XXXXXXXX  who shared with me information explaining that these purchases were conducted by someone by the name of XXXX, and that XXXX blocked this payment method ( my debit card information ) on their XXXX account so that they can no longer use my card. 

Even after overlooking this evidence I provided to Chase, they still decided I am at fault and withdrew {$560.00}. I am hoping to continue this dispute with Chase so that I receive my stolen money back.
Product: Mortgage

I have repeatedly requested copies of payments applied I have sent copies of cancelled checks for payments to XXXX that are not shown any where They keep sending the same printed report that gives no information that I am requesting. This is just a stalling tactic to continue the foreclosure. They are debt collectors and do not follow any of the laws nor does their legal counsel The property now has a Lis Pendis filed against it for a federal lawsuit to try and get them to comply with the law They respond to complaints but the response is never directly for the complaint