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

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting or other personal consumer reports

I am writing to inform the CFPB that my student loans have been illegally and inaccurately reported to my credit report. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and up-to-date information to credit reporting agencies. In my case, the information regarding my student loans is incorrect and misleading. 

Furthermore, the XXXX XXXX XXXX XXXX ( XXXX ) prohibits the reporting of inaccurate information about student loans to credit reporting agencies. The fact that my student loans have been reported incorrectly is a violation of this law. 

I am requesting that the CFPB investigate this matter and take appropriate action to rectify the inaccurate reporting of my student loans. I believe that my rights as a borrower have been violated, and I am seeking a resolution to this issue as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing from you soon regarding the steps that will be taken to address this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against XXXX XXXX via the CFPB about them threatening and taking negative action on my credit report. I have disputed the result that were provided to you by XXXX XXXX with Equifax. Equifax has failed to update my credit report and is still reporting monthly status of Charged OFF on the closed account of XXXX XXXX. This action has caused negative result significantly on my credit report. On my credit XXXX credit report XXXX XXXX has reported a Repossession of the vehicle on XX/XX/XXXX and since XX/XX/XXXX up until this year XX/XX/XXXX Equifax and XXXX XXXX has reported a Charge off status every month for 5 years. This is reporting has hurt my credit score and caused me financial ruin
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of education/Nelnet has reported information to the credit bureaus without my written consent. No consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a fraudulent account onto my credit profile. 
My checking account was used by improper use with an institution that I have no relationship with. Account does not belong to me.
Product: Checking or savings account

I called on chase bank on XX/XX/XXXX to report fraud via someone using the XXXX  app to siphon XXXX ( XXXX charge of XXXX and another of XXXX ) dollars out of my savings and checking accounts. I filed a claim with chase and after 2 days of investigation, chase decided that I authorized these transactions and that I received emails and texts about these transfers ; both of which never happened. I then grew very distressed and discouraged and implored to chase that I hadnt done any of this and what to do from this point on. They proceeded to tell me that I must prove that I never made a XXXX account via faxing documentation ( like Id have that in the first place ). I called XXXX  customer service, and by the grace of XXXX, was able to get a representative that explained to a chase claims representative that I never made a XXXX account and also that someone elses name was under the account with my banking info. If this wasnt enough proof then there wouldnt be. I opened a second claim for the same theft but what I had to do to get my money that chase lost was very sickening to say the least. Chase banks needs to be investigated promptly as I believe their own staff is stealing from clients. Also, I believe you do this by way of XXXX transfers which I had to look up.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2025 I sent my FTC report to TransUnion with my ID. I have fraudulent accounts reporting on my file. I did not authorize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$59.00} XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXXBalance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} 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, credit repair services, or other personal consumer reports

I have a large amount of credit accounts, 36 showing to be exact. I never view my credit on a regular bases. I found these account mixed in my credit report, once I took the time to study my credit by each line item. I have no knowledge of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' 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. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is now revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Also 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal
Product: Debt collection

I was filed in debt collection on XX/XX/XXXX, for an account I had closed and paid off in full in XX/XX/XXXX from XXXX. 

They billed me on my card for months when no account was open with them, and when I called them, they said they can't locate the account they were billing me for. 

I had to dispute and merchant block them and now they me in collections -- ridiculous.
Product: Debt collection

the account MEDICAL DATA SYSTEMS for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Product: Student loan

I filed a recertification date XX/XX/XXXX when originally told to, was not told the date was postponed. 

Went back to ask for it to be corrected and was told it would be. I overpaid by XX/XX/XXXX due to the recertification. My repayment amount should still be at the previous amount. It was never changed back despite complaints, calls, requests for a refund and requests for the repayment amount to be corrected. 

I spent the last 10 months attempting to get it corrected. All attempts have failed. I have done more than my due diligence, I believe one phone call should have corrected this as I was told it would. 

Mohela is demonstrating willful negligence at this point, has given me misleading information that I had to research on my own to correct about recertification, and has now put my account on past due status past 90 days along with not counting my payments toward repayment as well as withholding my refund 180 days beyond their 90 day timeframe, all illegally. 

Please hold them accountable, I am attempting to pay what I legally owe and keep my loan repayment agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry  : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ( Transunion ) has reported inaccurate information to the credit report file. Based off the Transunion report from XX/XX/XXXX, Transunion reports a Hard inquiry from Company ; XXXX XXXX date inquired, XX/XX/XXXX. This is inaccurate information reported to the consumer credit file this inquiry is not authorized by myself. I request the hard inquiry be removed from the consumer credit file as, Transunion does not have Permissible purpose according to 15 U.S. Code 1681b of reporting this information to the consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband  then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XXXX of XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and Transunion 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX  report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX secured credit card with a limit of {$300.00} that is joint ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXXXXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate.

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****
Product: Mortgage

I states in my loan modification agreement that I have 60 months to repay the escrow account. Specialized loan servicing changed the terms of an existing home loan with out my consent. They decided that 60 months was to long to pay back the Escrow shortage four months after acquiring the loan from XXXX XXXX XXXX. They increased the amount of my loan and told me that I short paid them even though i paid according to the agreement I had with the previous lender. I asked them to honor the terms and i was to that is not in their protocol and i would not be able to pay the amount back.