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

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as current addresses. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX XXXX acct # XXXX - XXXX XXXX acct # XXXX AND acct # XXXX - XXXX  XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive, and your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, XXXX company reported that I owe a debt, but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 

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 I never gave Your company any written consent to report anything on my consumer reports no consent is identity theft If the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above-mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 



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

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 tickets from XXXX to Grains customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company ( ERC ) is failing to uphold Federal Law, regarding reporting 100 % accurate information ; ERC is reporting INACCURATE, unfair information on my credit profile, which is affecting my ability to obtain credit.

I've communicated to ERC, via certified mail, with return receipt, on two ( 2 ) separate occasions ; my first letter to ERC was received and signed off on, on XX/XX/2021 at XXXX, and the second letter was received on XX/XX/2021 at XXXX. I havent received any correspondence, whatsoever, from ERC, nor have they removed this inaccurate, negative information on my credit report, and its been 13 weeks, or 91 days since theyve received and signed for my first letter! 

ERC is reporting inaccurate information on my credit report, and refuses to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear XXXX, Re : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NAVY FEDERAL CR UN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below is/are completely erroneous. I have listed the items below which are incorrect and need to be deleted from my credit file. 
XXXX XXXX XXXX {$53000.00}, Opened XX/XX/XXXX, Charged off as bad debt Profit and loss write-off, Closed XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX {$27000.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved ; customer disagrees, Closed XXXX. XXXX, XXXX XXXXNAVY FEDERAL CR UN {$470.00}, Opened XXXX XXXX, XXXX, Charged off as bad debt Dispute resolved; customer disagrees, Closed XXXX. XXXX, XXXX -XXXX  XXXX XXXX {$400.00}, Opened XXXX XXXX, XXXX, Placed for collection, Original Creditor Name XXXX XXXX XXXX In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. 
Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. 
I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 
I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 
Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please block and remove according to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, personal loan, or advance loan

This company is harassing me and even was calling my family at one point. While they did make some changes, they still have participated in threatening types of debt collection practices. I have had 3 people sent to my home to collect a debt which I reported to the manager who said that was not allowed. I have made 2 subsequent payments of XXXX each to catch up my loans. One on XX/XX/, and another one on XXXX XXXX  which both have been cashed. I also attempted to send a check for XXXX so that extra payments were being sent in XXXX and they sent it back demanding another check for the full amount. If I had the full amount I would send it. I have lived in my home over 20 years and now I had a home intruder come out right before the holidays which has been reported to the police and is under investigation. I find this ironic since they are they only debtor I know to come to my house with no notice and bang on the door. Secondly, my company I work for at my second job has not paid me for my work yet I XXXX and XXXX creating a problem for me with catching this account up. If my secondary employer is illegally withholding money per our contractual agreement I can not pay any more money I do not have. I am reporting them for unfair credit practices and concerns.
Product: Debt collection

Blitt and Gaines LLC have stated they are a debt collector and have attempted to collect a debt that has not been verified. Enclosed is the dispute pertained to the alleged debt
Product: Debt collection

I reached out to I.C systems when this debt for XXXX dollars appeared on my credit report. I asked them to provide me when a signed original contract from XXXX and they have not responded. I disputed this through XXXX and nothing was done. I have not received the validity of this debt that I requested from the I.C systems Inc I requested.
Product: Debt collection

Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The above debt collector has called my countless times and is not sending letters to my home regarding a debt they claim is owed to a gym. I explained to this company this debt is not owed as I had a month-to-month membership which I cancelled in 2012. This debt collector is also unable to produce any evidence this debt is owed.
Product: Debt collection

hunter Warfield is refusing to abide by the fcra. they are using bully tactics to prevent me from purchasing a home. I requested a variation of debt from them and I never received it. after I finally found what and who they were collecting for I was dumb founded that a year after the origination of debt I would be hit on my credit. now the significance of this being that make it seem to a lender that this is a fresh debt when it 's more than a year old. this a violation of the fcra as well. after speaking to a customer advocate she explained that thy would ensure I could make no purchase of a home or car unless I paid them. I have expressed willing to pay once it was an agreed on amount. the verification of debt must contain invoices. I have seen no such thing. now, it 's only right that hunter Warfield remove this from my credit file since they have no way of back dating the actual occurrence. I have a right to refuse establish my credit after I have hard times. this company is reporting this at this time to keep me from doing so
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX XXXX : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} TransUnion : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
Product: Credit card

I transferred XXXX WorldPoints from my Bank of America VISA card ending in XXXX to my Fidelity XXXX card ending in XXXX on XXXX XXXX, 2016. This is during the transition from Fidelity XXXX ( managed by FIA card services ) to Fidelity VISA ( managed by XXXX card services ), and I think it might have messed up my points because I still have n't seen these points after myFidelity XXXX ( ending in XXXX ) was transitioned into Fidelity VISA ( ending in XXXX ) on XXXX XXXX, 2016. The advertisement on the website said the points should be immediately available after the transfer, and however many points left on the old Fidelity XXXX card would be automatically available on Fidelity VISA after XXXX XXXX, 2016. 

I contacted both Bank of America and Fidelity for this issue, and they basically blamed each other. Bank of America claimed the points were already transferred over, whereas Fidelity claimed they had no way to see those points.
Product: Checking or savings account

I filled a complaint with the FTC about the fraud on my account XXXX. 
On Saturday I paid {$46.00} and some change for furniture that was on a fraud XXXX account that I found scrolling through XXXX I thought I was purchasing furniture on XXXX it looked legit, I paid and received a receipt and order number, I called XXXX Monday and they told me that order id does not exist, and asked if I purchased on social media I said yes and they told me that I been scammed and that this has been an issue for quite some time. Now I'm stuck trying to receive my money I contacted cash app and told them of this and they refuse to do anything about it and even told me that there's nothing they can do except for me to call my local authorities, I have even told them I filed a complaint with the FTC, on cash app the company that got my money is XXXX XXXXXXXX and it shows it as a store, well I have not received any Will not receive the goods I have ordered because that company was pretending to be XXXX and now I'm without {$46.00}
Product: Student loan

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation. 

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time. 

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

US DEPT ED - XXXX Date XXXX - Balance : {$24000.00} Date XXXX - Balance : {$38000.00} XXXXXXXX  - XXXX Date Opened : XX/XX/XXXX - High Credit : {$3500.00} Date Opened : XX/XX/XXXX - High Credit : {$2000.00} Date Opened : XX/XX/XXXX - High Credit : {$1000.00} Date Opened : XX/XX/XXXX - High Credit : {$2000.00} Date Opened : XX/XX/XXXX - High Credit : {$4500.00} Date Opened : XX/XX/XXXX - High Credit : {$2000.00} Date Opened : XX/XX/XXXX - High Credit : {$4500.00} Date Opened : XX/XX/XXXX - High Credit : {$5500.00} XXXX XXXX - XXXX Date Opened : XX/XX/XXXX - High Credit : {$53000.00} XXXX XXXX - XXXX Date Opened : XX/XX/XXXX - High Credit : {$53000.00}
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting XXXX XXXX on my credit repot and this account and balance do not belong to me
Product: Credit reporting or other personal consumer reports

The bankruptcy reported on my report is inaccurate and should be removed. As it has been cleared. 

XXXX XXXX  should not be on my report as it was part of my bankruptcy. It is illegally on my report XXXX XXXX was part of my bankruptcy and should be removed from my file. 

XXXX XXXX is beyond 7 years and was a part of my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate me and break the law in accordance with the FCRA. I have filed multiple complaints already on this matter. There are two ( 2 ) hard inquiries on my credit report and file that I did not give TransUnion written consent to furnish, violating 15 USC 1681b ( a ) ( 2 ). I sent an Affidavit of Truth to TransUnion on XX/XX/2021 stating this ( attached ). TransUnion first responded stating they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). It is weeks later, way past 7 days, and I have not received any letter. Regardless, TransUnion 's responses are not an acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. I write this 3rd complaint in hopes that the CFPB will hold TransUnion accountable for violating my rights as a federally protected consumer under 15 USC XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed on numerous attempts to correct my credit report since XX/XX/2021. They have violated several FCRA laws including but not limited to : Reporting a debt as charged off, when it was settled or paid off. Reporting inaccurate and incomplete information on my credit report affecting my credit score negatively. Didn't provide their method of verification that included : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response e-Oscar verification was unacceptable. Old information furnished as new information. Wrong furnisher addresses listed on my credit report. They failed to follow guidelines for handling disputes. I send over several disputes that Experian did not follow guidelines when they handled my disputes. They are still reporting incomplete, inaccurate, and erroneous information on my credit report. They keep responding back that the information has been validated and/or validated. However, they never addressed each issue I was disputed. Still showing negative accounts that should be deleted. The updated information still didn't fix the inaccurate information and now I have been denied credit and paying higher finance charges. They failed to send me notifications in writing. I have accounts that reporting as being re-aged by collectors. The original creditor is showing a balance and the collector and a balance owed when it was paid in full. Previous account information was provided in the previous dispute. Experian sent an update on one of my disputes today stating it was verified and accurate. So I'm filing another complaint because they aren't looking into the matter seriously. This is even after I filled a precious dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.