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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 Balance : {$7100.00}, XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex system has not complied with me or responded Im trying to remove a fraudulent account from my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I sent a letter to Transunion requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

Other family member, whom I do not reside with, an employer, who is no longer my employer and myself are getting calls constantly from General Revenue about my student loans. They don't ever send anything to in writing, just phone calls/voicemails. They claim they are a collection agency and are trying to collect a debt. I have filed for a forbearance and was approved back in XXXX well before the pandemic hit. Then the pandemic happened and that put a hold on all student loan payments. So I have the forbearance and student loan freeze both still intact yet General Revenue won't stop calling and harassing that I owe them and must make payments. They even insinuated that they could take legal action if I don't pay. They go as far as calling multiple times within a 24 hour period on my personal cell phone. My ex employer has repeatedly told them I don't work there and yet this company still calls her. All of my students loans show active, in good standing and on time. It does not show anything about being in collections. I also have never received any correspondence from the loan servicing company about sending my account to collections. They have only sent ways to help reduce my payments or offer relief once the freeze is lifted in XX/XX/XXXX. I need this harassment to stop!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Erroneous/Inaccurate Account : XXXX  - Date Opened : XX/XX/XXXX Erroneous/Inaccurate Account : XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX Date Opened : XXXX XXXX, XXXX Erroneous/Inaccurate Account : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Please supply information on how you have verified this item ; and if you can not provide the aforementioned ; remove it immediately. 

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 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, credit repair services, or other personal consumer reports

I have contacted Experian several times over the course of the last 3 months. Via phone and online, I have also filed numerous investigations in written for 3 accounts XXXX XXXX XXXX XXXX and XXXX XXXX, send certified returned receipt. The dispute came back as Verified, Accurate and updated but there is a BIG PROBLEM with the payment history all 3 accounts showing wrong payment history. XXXX XXXX shows my last payment on XXXX XXXX as my last payment, XXXX shows my last payment as XXXX XXXX and XXXX XXXX shows my last payment as XXXX XXXX. On XXXX all my account was still in GOOD STANDING with those companies, my account went to collection after I went overseas for several months and it was not in XXXX. I have also requested Experian to supply written proof of my payment history and they have not provided the information requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this accounts that you are reporting in my report. Please do n't respond to my request by saying that these accounts have been Verified, Accurate and updated. Please be advised that Under Section 611 ( 5 ) ( A ) ( i ). Of the FCRA by publishing these INACCURATE and UNVERIFIED items on my credit report and distributing them to 3rd Parties you are damaging my reputation and credit worthiness. You are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau, the Better business bureau and the State Attorney General 's Office. They will also be submitted as evidence in pending litigation provided if you fail to comply ; I Already contacted the law Office of XXXX XXXX, XXXX. About this case All information reporting on my credit report got to be 100 % Accurate per FCRA. 
CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETED INACCURATE, INCOMPLETE, or UNVERIFIABLE INFORAMTION. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
First Dispute was on XXXX/XXXX/XXXX Second Dispute was on XXXX/XXXX/XXXX Third dispute was on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my Equifax account updated correctly. I have sent multiple dispute letters and have yet to receive a response and/or correction to my accounts. Equifax has been unable to validate accounts and is erroneously reporting negative information. The entries in question are : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW COMPLAINT NOT A DUPLICATE!!!!!!! 


Brite Financial reported fraudulent information to all three credit bureaus. Advised that I missed 3 payments in XX/XX/XXXX XX/XX/XXXX as of  XX/XX/18. Payment was made to Brite financial on XX/XX/2018. No further payments were due at this time. Copy of receipt shows payment made. 30 days BEFORE report made to credit bureau. 

Furthermore there is still no working phone number to reach ANYONE.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the failure of the credit bureaus to provide proof of validation for disputed accounts, as required by law. Despite my repeated requests for proof of validation, the following reporting agencies ; XXXX, XXXX, and Equifax have failed to provide any supporting documentation and have simply responded that the information will remain on my credit report without any changes : 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 {$1200.00} This failure to provide proof of validation for the disputed accounts is a violation of my rights under the Fair Credit Reporting Act. I have the right to request and receive accurate and verifiable information on my credit report, and the credit bureaus ' refusal to provide this information is a direct violation of this right. 

I urge the CFPB to investigate this matter and take appropriate action against these companies for their non-compliance with the law. I request that the disputed accounts be properly validated or removed from my credit report as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain a signed contracted agreement. Is reporting on my credit report incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an unsecured line of credit with Synovus Bank back in XX/XX/XXXX which converted to an installment loan on XX/XX/XXXX with a {$43000.00} balance with a {$770.00} monthly payment which I was more than happy to pay for moving forward. 

I was then sued for non compete from my former employer and lost in arbitration for a large amount and was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX This account was included in the Chapter XXXX BK and was to be closed, charged off and only collect interest. The Chapter XXXX BK was canceled in XX/XX/XXXX and I have made attempts to settle this debt with a repayment arrangement agreement. 

This account is still open and is a rolling 150+ days late on my credit report which I have asked them to charge off and close the account many times. This account is ruining any chance of restoring my credit and they will not accept a repayment schedule I also asked that they stop charging daily interest and monthly penalties since the current balance is now up to {$50000.00} which is ridiculous since the account should be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX
Product: Checking or savings account

THIS ALL HAPPENED AT A US BANK ON XX/XX/2023 A PERSON IN OREGON CLAIMING TO BE ME DEPOSITED A CHECK FOR {$4500.00} DOLLARS INTO MY ACCOUNT .THEN A FEW HOURS LATER WITH DREW THE {$4500.00} DOLLARS. THE BANK AFTER FINDING OUT THE CHECK WAS NO GOOD TOOK {$4500.00} OUT OF MY ACCOUNT .WE WENT TO THE BANK AND WORKED WITH THE MANAGER AND DID EVERYTHING THAT THEY ASKED WAS ASSURED WE WOULD RECEIVE OUR MONEY. WE KEPT IN TOUCH WITH THE FRAUD DEPT AT US BANK EVERY OTHER WEEK AND AGAIN WE WERE ASSURED WE WOULD RECEIVE OUR MONEY. WE WENT TO THE BANK AGAIN AND WORKED WITH THE BRANCH MANAGER AND WERE TOLD THAT THE CLAIM THAT WAS PUT IN AT THE BANK WAS DONE WRONG AND THAT THEY WOULD EMAIL US A NEW CLAIM FORM TO FILL OUT, WE WAITED 2 WEEKS AND NEVER RECEIVED ANY EMAIL SO WE CALLED AND WE WERE ASSURED SOME ONE WOULD CALL US. WE DID RECEIVE AN EMAIL SAYING IT WAS A WASH AS FAR AS THEY WERE CONCERNED BUT I HAVE PAPER WORK TO PROVE IT WAS NOT .THE SAD PART IS THE WE HAVE BEEN BANKING WITH THEM FOR OVER 20 YEARS AND IT IS SAD TO SEE HOW THEY TREAT SENIORS I AM SEVENTY SEVEN YEARS OLD AND ON A FIXED BUDGET
Product: Credit reporting or other personal consumer reports

Dear CFPB, This complaint alleges that the Department of Education ( DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors. 
Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates. 
Unnecessary Stress and XXXX  : The DOE 's collection practices have caused me significant stress and XXXX due to the uncertainty surrounding the debt and its potential consequences.
Product: Mortgage

Good evening, I've been trying to remove the PMI on my home since XX/XX/2022. I originally called Amerisave to remove the PMI since I've done extensive renovations to my home. Since it was within a year I was told I needed a new appraisal. I paid Amerisave for an independent appraisal which was completed. My home was purchased for $ XXXX. The new appraisal came in for $ XXXX. I waited to hear back and I was told the request was denied. I didn't understand why so I called and I was told to send in a dispute form. I did so on XX/XX/XXXX and stated the home was recently appraised. I waited again and was told the request was denied. I was told I needed to send in support of the extensive renovations. Even after doing so the request was denied. The area denying the request is the research/request group. I was told to call customer service, but they never seem to understand the reason why I've been denied and there is no way for me to speak to the group denying my request. It is completely frustrating and if it wasn't for my rate being so low I would have refinanced away from Amerisave.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the response I received from Equifax on XX/XX/2021. I have sent them all the required documentation needed to request a dispute and I get a response stating they couldnt locate my file. There is erroneous information on my credit report that needs to be investigated immediately. I attached A copy of this account, as you can see Equifax is allowing the creditor, XXXX XXXX XXXX, to report inaccurately causing severe harm on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.