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

On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies.

I have reached out to each agency individually to get this erroneous account removed with no resolve.

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported.

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit. 

It is Open on XXXX, Closed on XXXX and OPEN and CLOSED on Equifax.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to open a brokerage account and linked checking account with Charles Schwab. A few days later, the account was abruptly closed, and on XX/XX/XXXX, I received 2 pieces of mail informing me that the accounts were closed due to my credit score as reported by XXXX. While the disclosures provided during the application process indicated that Schwab may obtain information from consumer reporting agencies, I reasonably assumed that such information would be used for identification purposes, and that nothing beyond a " soft pull '' would appear on any credit report. Nowhere on Schwab 's website, and at no time during the application process, does Schwab disclose that a minimum credit score is required to open a brokerage account - and I at no time applied for an extension of credit from Schwab. Schwab is certainly free, subject to statutory limitations with respect to discrimination, etc., to choose its business partners. As a consumer, however, I have a reasonable expectation to know what specific information may be sought about me, and why specifically Schwab believes it needs such information.
Product: Credit reporting or other personal consumer reports

XXXX on my credit reports that I did not authorized.
Product: Checking or savings account

On XX/XX/XXXX, my checking account was charged $ XXXX at XXXX XXXX that I did not make or verify. I called the same day to file a claim and was told because it was a chip on chip transaction I might not get it. Which is just XXXX because I didnt spend the money. On XX/XX/XXXX, I got a temporary credit reversal for $ XXXX. Life goes on and nothing happens until XX/XX/XXXX, $ XXXX was taken from my account. I have called 3 times and everything said that there is pretty much nothing they can do. Only one of the customer service workers said i should have received an email from Bank of America telling me when they were going to take that money back. I NEVER GOT IT. Now it is XX/XX/XXXX and I am still negative {$240.00} dollars and have been since then. I have missed payments, can not afford groceries, and have been strapped yet nothing has been done.
Product: Debt collection

Was called by agent at D2 management, I asked for an address after I was told this was an attempt to collect a debt, was hung up on the first time I asked for an address. The second time I called and asked, was put on hold for 5 minutes while the agent located the address then transferred to a supervisor " XXXX '' who was told I didnt need any information from this company and would not be provided an address. She then told me that she wants me to settle on a debt I am not familiar with. I asked her for documentation on the debt and was advised she could not send me any documentation in regards to this debt. I then advised I can not settle on a debt that I can not verify and disconnected the call.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the continued inclusion of a fraudulent account on my credit report. This account was reported fraudulently, and no sufficient verification of its legitimacy has been provided despite my prior dispute. 

Additionally, I noticed that no substantive updates were made to my report. Instead, only " notes '' were added, and my credit score declined by XXXX points without a valid reason. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : Verify the legitimacy of any disputed account before continuing to report it. 
Remove unverifiable information from a consumer 's credit report. 
I request : A detailed explanation of the investigation process. 
Evidence supporting the legitimacy of this account. 
The immediate removal of the account if verification can not be provided. 

A copy of my police report/identity theft affidavit. 
Previous correspondence regarding this dispute. 
A copy of my credit report with the account in question highlighted. 
If no action is taken within 30 days of receiving this letter, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Please provide a written response confirming your findings and actions taken on my report. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a idenity theft report to XXXX to remove XXXX XXXX XXXX XXXX accounts XXXX only removed the inquiry but not the whole accounts im dusputing the whole account XXXX is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

XXXX is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Credit reporting or other personal consumer reports

I have inaccuracies with identity and debts with credit bureau, such as XXXX XXXX, with a monthly balance of {$820.00} and XXXX XXXX of {$86.00} a month, which isn't accurate. I don't have those and there's also been an identity theft issue that Experian also has not fixed, that was told to me by Department of Unemployment Assistance, was an issue, that someone else 's name was using mine. This is something that Experian has been aware of for some time but there haven't been measures taken to assist with ensuring that my credit isn't negatively impacted by inaccuracies such as this with this credit bureau. Such errors have definitely affected all sorts of things as they are taken by institutions and entities as fact, and I don't believe it was investigated thoroughly when most of these inaccuracies were identified.
Product: Debt collection

Some one called my by the name XXXX XXXX and he kept saying there was a complaint with his client, but never revealed their name, and told me I had 48 hours to respond or they will pursue a lawsuit. This was on Tuesday XX/XX/XXXX. Then he called back yesterday ( XX/XX/XXXX ) and said he will treat this as none responsive. And i called the XXXX X XXXX and the recording said this is Clear View Resolutions, but the man said a different company and it sound like his voice was reading from something while telling me about the procedures. I have talked to an Attorney and he said they suppose to tell me who they are calling for and how much debt it was. So he also told me i shouldn't call back until he gives more info. It sound like a Scam, but he shouldn't be calling me and harassing me.
Product: Credit reporting or other personal consumer reports

I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by Transunion that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
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 XXXX XXXX has violated my rights. Or list of inquiries 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: Mortgage

I have a HELO with Fifth Third Bank. It is setup, as mandated by the Bank, for automatic interest payments to come out of our Fifth Third checking account every month. The bank required us to open the checking account for the HELO loan - it was mandatory for the HELO terms. The bank also said that ONLY interest will be taken out each month from the checking account, and that we would need to make a separate principle payment IN ADDITION to the auto withdraw.

Each month, I make one or two PRINCIPLE ONLY payments. I clearly note that it is principle only and I use Fifth Third 's online payment, by selecting OTHER  PAYMENT option rather than the Regular Monthly Payment ( which is interest only ) and in caps in the memo I clearly specify that it is Principle Only. The Regular Monthly Payment Option is only for interest, and is not selectable since I have the mandatory auto pay from the checking for that interest payment. 

I called the bank and they refused to reapply my PRINCIPLE ONLY payment to the principle. They said I would need to call back in 10 business days and make another request.

This is a common practice of Fifth Third bank and has been going on for over three years on both my mortgage and on my recent HELO. This banking practice makes it very difficult to paydown the balance and this practice should be illegal.

After a second call and a conversation with the Supervisor, I was finally able to have them curtail the payment to a PRINCIPLE ONLY payment. However, the XXXX said that they DO NOT take early payments. Fifth Third does not allow you to pay your mortgage payment ahead of time. So if I wanted to pay XXXX and XXXX mortgage payments in XXXX, I can't do that. If I want to pay my principle on my HELO down before they deduct the interest, I can't do that. THIS BANK MAKES IT IMPOSSIBLE TO PAY PRINICPLE DOWN EARLY on HELOs and to make advanced mortgage payments.
Product: Mortgage

I had a back taxes so the mortgage company raise my mortgage at the extra {$300.00}. I informed them the {$300.00} was too much money and Im on a fixing car. They claim to have XXXX year to fix it. I talk to the representative last week and they told me they can continue taking the money up until XXXX  of XXXX excuse me XX/XX/2024 what year is XX/XX/2024 XXXX
Product: Money transfer, virtual currency, or money service

PURCHASED A MONEYGRAM MONEY ORDER AT XXXX # XXXX IT WAS DAMAGED. I REQUESTED A REPLACEMENT. MONEYGRAM CHARGED ME XXXX DOLLARS TO REPLACE THE MONEY ORDER. I PROVIDED DRIVER LICENSE AND TYPED MY NAME CORRECTLY. I RECEIVED THE REPLACEMENT MONEY ORDER WITH ERRORS ON THE NAME. I WENT TO XXXX AND TO THE BANK TO CASH IT. XXXX  REFUSED AND THE BANK REFUSED TO CASH STATING THE NAME DOES NOT MATCH WITH THE DRIVER LICENSE. POLICE WERE SEEING ME AS A SUSPECT OF WANTING TO CASH A STOLEN CHECK. I AM THE PURCHASER OF THE MONEY ORDER AND THE ONLY PERSON THAT CAN CASH IT. SEEMS ANY TIME I TRY TO CONTACT THERE IS NO ONE TO SPEAK WITH. I HAVE USED THE ONLINE COMPLAIN GOT SUPPORT TRACKING # XXXX AND WITHIN MONEYGRAM THEY HAVE A FRAUD REPORT CENTER WITH A CASE # XXXX I NEED TO HAVE THE MONEY AS SOON AS POSSIBLE I HAVE REQUESTED TO HAVE IT AVAILABLE AT ANY BANK AND TO RELEASE THE FUNDS AS THE ERRORS ARE NOT MY FAULT. I SHOULD NOT BE CHARGED AGAIN XXXX TO GET MY MONEY BACK.
Product: Debt collection

As THE ORIGINAL CREDITOR I have recently reviewed my credit profile and have noticed that there are inaccurate accounts and that are unverfied but being placed on my Consumer account negatively and reporting to the three credit bureaus that this alleged debt is mine. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Santander and the other alleged accounts are from third-party debt collectors which have no rights to my Consumer Information. 

... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

The following entities have been reporting on my account. They have been recently deleted which shows proof they are not mine and indeed was inaccurate and unverfied. 

XXXX XXXX XXXX XXXX. Aud Santander
Product: Debt collection

Capital one auto finance keeps calling our business line. They will not give a name or any other information, but refuse to take our business number off whatever account it's on. We have lost out on several different clients due to being unable to leave a message because our voice-mail is full of these spam calls. It is costing our business money. As a business, we have called their number 5 separate times and requested the number be taken off. They are not following thru. We advised them if they keep calling we will file a report and get an attorney if necessary. It's absolutely harassment to continue to call a wrong number when asked 5 times not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following inquiries. These are not mine or belong to me. I have also filed a police report. Apparently someone is using my social to try and open accounts and credit in my name. I have also had someone steal my bank card and attempted to withdraw money from my account. 

These do not belong to me. The police report has been filed with XXXX XXXX police department. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).