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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX XXXX XXXX ) the credit bureaus don't have no written premission According to XXXX XXXX XXXX XXXX have the right to privacy According to XXXX XXXX XXXX XXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed a number of errors in my credit report, particularly related to late payments. These do not match my usual payment history. Kindly update my account after correcting these issues.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX Balance : {$140.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} Date Opened : XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Somehow credit does not change with payment history paying bills correctly has no affect on score in fact it has been lowering it. It make no sense its with XXXX and TransUnion.
Product: Credit card

I am writing to formally report a fraudulent hard inquiry on my credit report by Bank of America. This unauthorized inquiry was conducted on XX/XX/year>, without my consent or knowledge. 

I have not applied for any credit, loans, or accounts with Bank of America that would justify this action. This unauthorized inquiry has impacted my credit score and is a violation of my consumer rights. 

I request your assistance in investigating this matter and taking appropriate action to ensure this inquiry is removed from my credit report. Please let me know if you need additional information or documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports I never gave your company any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681 ( a ) ( 2 ) ( b ) Exclusions from a consumer report. This account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used for tranaction
Product: Credit reporting or other personal consumer reports

First off. Someone needs to congratulate me. Struggle is not something i take on as a trait. XXXX XXXX XXXX XXXX getting through immigrant family life and street life l. I bust XXXX XXXXXXXX  period. I majored in a technical program at XXXX. Not proud of my XXXX gpa but its a great thing to know im the only female to gradute that semester from that particular school XXXX  on XXXX campus. Why on earth does that cause for fraud with intent to distract me from success i dont wan na know. What id like to know is how you can further. Investigate these semesters where money was fraudulently transferred. XXXX graduate does not have me enrolled for three semesters where they are claiming i either went to their school, or they XXXXXXXX XXXX XXXXXXXX. Can someone erase the XXXX the XXXX and other XXXX and modify accordingly.
Product: Debt collection

I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter of fact. 
I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE, XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I am trying to have the PMI removed from my 30 fixed rate mortgage. When I called about this about 1.5 years ago I was told that Loan Care would have to have an independent Appraisal done. The cost would be about {$400.00}. I was not sure if my home would appraise for the required amount to meet the LTV. I was told LTV needs to be 78 % or less. I decided to wait. 
On XX/XX/XXXX I got a Real Property Notice of Valuation from the county Assessor stating that my property value had gone up. When I checked the numbers my property value had gone up enough to meet the LTV of 78 % or less. I decided to try again to have the PMI removed from my loan. 
I called and was told to submit an email request to XXXX which I did on XX/XX/XXXX. I got an email response the next day. The response said I should hear something back in 5 business days. I got no response. I decided to call Loan Care XX/XX/XXXX to see what was going on. I called and asked about having my PMI removed. I was told that I need to submit another email request asking for a home appraisal and that I would cost {$910.00} dollars. This is more than double the cost from the first time I called. I feel like Im being robbed. So, no one at Loan Care bothered to tell me this until I called even though I asked for any information about the process in my initial email. 
Ive have owned another house and was not charged anything to have the PMI removed. 
The fact that Loan Care will not accept the county Assessors appraisal seems like a totally unfair and unethical business practice to me. The fact that they more than doubled the cost of their appraisal also seems totally unfair to me. It seems like robbery. 
I want Loan Care to accept the county assessors appraisal and not charge me anything. I have great credit. I have always paid my mortgage on time and in full.
Product: Debt collection

When you answer the phone, no one will speak. When you call back it sends you to a full voicemail. I just received 4 calls in 2 minutes.
Product: Checking or savings account

Here is a copy and paste of the email that I sent to Wells Fargo Bank on XX/XX/XXXX ; Personal information deleted. 



I was handling my mother 's financial affairs when we recieved a notice from Wells Fargo Bank dated XX/XX/XXXX that if we didn't contact WFB by XX/XX/XXXX, the funds would be turned over to the Sate of California Unclaimed Property. I contacted WFB by phone weeks before the deadline and talked to XXXX XXXX. He told me that the funds had already been turned over to the State of California. Due to the shut down due to the Covid 19 pandemic, I was not able to reach anyone at State, Unclaimed property department for several months. When I was finally able to talk to someone there I was informed that WFB still had the money.

During the interum, my mother passed away on XX/XX/XXXX. 

I have since sent to WFB, a Death Certicate, Power of Attorney and Afidavit of Small Estate. All documentation has been recieved by WFB. 

At one point my case was being handled by XXXX XXXX, Case Specialist. I've tried to call her several times. Her voicemail is still saying that she will be in the office all day on XX/XX/XXXX. It has not been updated nor has she returned my calls. 

On XX/XX/XXXX I called XXXX and spoke to " XXXX '' He told me that he would foreword my case to a case manager. XXXX took down my phone number and told me that the Case Manager would call me. I have not recieved a call. 

On XX/XX/XXXX I called and spoke to XXXX XXXX, Employee ID # XXXX. XXXX advised my to detail the history of the case in an E-Mail and send it to you. 

If you need any further documentation then let me know. If you now have all of the information that you need then let me know and send me a check for {$2300.00} End of email. 

I was told that they sent me a letter on XX/XX/XXXX. I've yet to recieve said letter. 



As of XX/XX/XXXX I called them and I'm being told that I need to send them a court order showing me as the Trustee for the estate. I have already sent them notorized copies of both Power of Attorney and the Trust showing myself as the Trustee. 

I've not been dealing with the courts, this is a small estate and a reletively small amount of money.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX credit report and noticed an outstanding education loan serviced by MOHELA that does not belong to me. The amount of the loan was {$24000.00} as of XX/XX/XXXX and originated on XX/XX/XXXX for {$20000.00}. I disputed the account with XXXX, but they told me they verified with MOHELA that the information is accurate. I contacted MOHELA on XX/XX/XXXX and a representative told me they could find no accounts associated with my social security number. They suggested the loan had been transferred to another servicer and advised me to contact the Department of Education, which I did immediately. The representative at the Dept of Education could find no outstanding student loans connected to me.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : AGENCY TRANSUNION XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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 7 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 an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has wrong phone numbers that show that I uploaded are not my numbers. 

I have not had no residential line. 

My only number is my cell number XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. I contacted y'all last week. Someone hacked my account and changed my email and security questions, and y'all won't help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I inquired about a potential loan from One Main. I filled out the application online but didn't finish it. A lady named XXXX  called me to see if I wanted to process and complete the loan that I needed to provide certain documents. I called her back and let her know that I didn't want the loan and to not process it. However the people at One Main has called me numerous time a day and left voicemail since XX/XX/XXXX even though I called and told them I do not want the loan and to not process it. XXXX called again today XX/XX/XXXX to let me know that she ran my credit anyway and to see if I wanted the loan now since my credit was ran. I told her that I cancelled the process and I do not want it. She then mentioned again that my credit was ran and to see I wanted it or she would deny it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, and XXXX XXXX Account # 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
Product: Debt collection

Midland Credit Management is in violation of 15 usc 1692c. They have also threatened to damage my credit in their communication when they say some sort of mail was mailed to me. If I do not sign for any documents sent to me then they are considered undelivered. If I received the letter you sent provide a green return receipt with proving I RECEIVED anything from you stating that I could opt out of your damaging my credit or something proving I owe this debt.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, XXXX XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Debt collection

Ive been a victim of identity theft, someone used my credit to obtain credit cards and Loans that Ive never apply, fraud accounts I have a police report and a federal trade commission report Acima digital FKA simple XX/XX/XXXX {$3000.00} XXXX  XXXX XXXX XX/XX/XXXX {$820.00} XXXX XXXX  XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$630.00}
Product: Payday loan, title loan, or personal loan

Since XXXX XXXX, the app has not worked for grain in order to make the payments. I have sent emails about the grain app not working and my credit being ding. There was a response if we are working on the issues. I had to file a complaint to the XXXX XXXX XXXX. After that complaint to XXXX, I finally get a response and Grain did send me a link to make a payment but that didnt work, I was able to finally get the link to work to make one payment and was told all late payment in my credit would be removed. That has not happen yet and its truly hurting my credit score. I am in the process of getting approved for a mortgage and those are the only late payments I have on my credit. I have looked in XXXX and there are hundreds of people not able to access the app to make payments, money has been withdrawn from accounts and there is not a customer service number to even speak to someone. This company is fraudulent and hurting people credit scores by not having an app that works to make payments.
Product: Mortgage

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.
Product: Checking or savings account

On XX/XX/XXXX, I received XXXX E-mails from Chime indicating an account has been opened in my name. 

The first titled, " Welcome to Chime '' and the second, " Youre XXXX step away from XXXX XXXX! ". 

I did not open ANY account with this company and concerned either they are opening such accounts or allowing fraudsters who have access to my information to open. When I called the automated machine they said " they found my account '' and so I clicked lost or stolen card and they listed an Address that I own but do not live at, XXXX XXXX XXXX XXXX XXXX XXXX I am a resident of XXXX XXXX and havent lived at this location since maybe 2013.