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

I have contacted Transunion on several occasions via phone, app, spoken to specialists etc to no avail. 

XXXX XXXX  XXXX is illegal reporting in my credit file. 

XXXX XXXX XXXX appears to be part of credit fraud I reported to FTC XXXX XXXX also appears to be fraud XXXX XXXX XXXX XXXX was already determined to be fraud and a letter supplied by XXXX  authorizing Transunion was provided since XX/XX/2023. 

Transunion refuses to correct and delete these incorrect, unverified and fraudulent accounts for. My credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Experian, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to Experian, XXXX, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, Experian, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, Experian, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, Experian, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, Experian, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, Experian, and XXXX in accordance with the USC. 
I have attached a copy of the XXXX letter that was sent to XXXX, Experian, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.
Product: Debt collection

Meade & Associates placed an outstanding medical debt of {$860.00} that belonged to my deceased mother in my name and under my social security number a year after she died. I have called them multiple times and talked with XXXX XXXX, collector, and XXXX XXXX, manager. 

I have also sent them documentation showing this debt belonged to my mother, including copies of the bills sent to her, in her name, and at her home address, as well as her death certificate. 

On XX/XX/2019, XXXX XXXX represented to me he would resolve this issue with the manager for erroneous collections. However, rather than resolve this issue, this debt collector placed this collection back on my credit report in XX/XX/2019 after I disputed it with the credit reporting agencies. 

Meade & Associates are claiming that I was my mother 's fiduciary and this makes me liable for her debt. They are basing this claim on a document I signed for my mother and in my mother 's name and at my mother 's request while she was in the hospital. 

I had to sign several such documents for my mother during the course of her illness as her next-of-kin, and this is the only collection that has been filed against me on such a basis after her death. 

I did not furnish the original creditor with my social security number, date of birth, or mailing address. In addition, the original creditor did not send the bills in my name or to me. 

I believe Meade & Associates located my personal information and used it in order to wrongfully collect a debt and wrongfully report the debt as mine to the credit reporting agencies.
Product: Credit card or prepaid card

On our about XX/XX/XXXX, I attempted to complete a mortgage application with XXXX XXXX  to refinance my home loan. On or about that date, I was informed that my credit report contained a new delinquency that would prevent any refinancing. Specifically, my credit report indicated that an XXXX XXXX  was taken out in my name for more than {$7000.00} in XX/XX/XXXX, that the issuing financial institution, Goldman Sachs Bank, closed the account in XX/XX/XXXX with an outstanding debt amount of more than {$15000.00}, and that GS Bank reported a delinquency on my credit report in XX/XX/XXXX. 

I have never owned an XXXX XXXX, have never received communications about any such card from XXXX or Goldman Sachs Bank -- account statements or otherwise -- and had no knowledge that any such debt existed, was charged off, or reported. I have pulled my credit in the past two years and monitor it actively on XXXX XXXX and this XXXX  XXXX  did not appear on my report. I first learned of this through XXXXXXXX XXXX XXXX summary of my credit report. 

The mortgage broker at XXXX XXXX, XXXX, gave me contact information for Goldman Sachs Bank. I contacted Goldman Sachs Bank on XX/XX/XXXX and reported the identity theft. The person I spoke with also gave me information for credit reporting agencies, who I contacted between XXXX XXXX ( XXXX, XXXX, and XXXX ). They are currently conducting investigations about the GS Bank items on my credit report.
Product: Credit reporting 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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. Capital XXXX bank.. XXXXXXXX XXXX Account Name XXXX XXXXXXXX XXXX  ... Account Name... XXXX XXXX XXXX... 
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..

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit card

In XX/XX/2023 my wife purchased 5 round trip upgraded tickets from XXXX to XXXX for travel on XXXX XXXX. On the XXXX to XXXX leg of the flight, XXXX XXXX XXXX allowed a person of size to board the plane who took a seat next to my wife. The large passenger could not fit in his seat and she notified several flight attendants on board who told her that they were unable to do anything because the flight was completely full. My wife was not able to use her upgraded seat. 

According to XXXX 's website, this person should not have been allowed to board. 

I requested a refund from XXXX. XXXX offered flight credits which would obligate us to travel with XXXX. 

I asked the credit card issuer, First Hawaiian Bank, to assist with a charge dispute since she was not able to use the seat that she purchased. First Hawaiian denied the dispute. I called First Hawaiian Bank 's credit card dispute number and was told there is no appeal process.
Product: Bank account or service

Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.
Product: Debt collection

Paragon Revenue Group, XXXX XXXX XXXX, XXXX NC XXXX USA, is violating my rights as a consumer. This company is inconsistent with the amount that I allegedly owe and has violated my HIPAA rights in the process. This company purchased this alleged debt from XXXX XXXX XXXX, Paragon Revenue Group has never attempted to contact me regarding this alleged debt, therefore I had no knowledge of this claim existing until it ruined my credit score. Once I noticed this collection account on my credit report, I contacted the agency via phone ( XXXX ). I spoke with XXXX  with PARAGON REVENUE GROUP, who was rude, aggressive and unprofessional. He threatened that my credit would be affected if I did not pay them immediately. I asked him to validate the alleged debt. He responded by saying a letter had already been sent to my address months before this call and that they will NOT be sending another bill/notice and aggressively tried to force me to make a payment. I NEVER received a bill/statement from Paragon Revenue Group and I needed the representative to verify that this alleged debt was mine before I provided a complete stranger with my personal information. I would have addressed this immediately with the original owner of the debt if I received a bill and debt validation from XXXX XXXX or even from paragon revenue but I did NOT. My request for debt validation was not accepted during the phone call which is unfair to the consumer and direct violation of the FCRA. Between the months of XX/XX/XXXX and XX/XX/XXXX, I attempted to dispute the debt being that I was unsuccessful at getting a validation of debt when I originally requested one. Paragon revenue group responded via mail by sending me an itemized statement, which shows every treatment and diagnosis from the date of service, to me in the mail in efforts to validate the debt. This is a direct violation of HIPAA. I have extensive knowledge on my rights as a consumer and a patient. A company can validate a debt without having knowledge of any medical treatment and diagnosis. Anyone could have retrieved this information from my mailbox. In addition, this account is reporting closed on my XXXX report, with an original balance of {$16000.00} and a reported balance of XXXX. This is inconsistent reporting and is a violation of my rights under the FCRA. It shows on my XXXX  report as : reported balance of XXXX and original balance XXXX. This is still, inconsistent reporting. 
This company needs to adhere to and abide by the FCRA. Accurate reporting should take place, this 3rd party collection agency should not have my medical records with a complete word for word break down of why I was seen, and especially being that the treatment was sensitive to nature. They are one, reporting different amounts to credit bureaus, I did not receive written notification about this debt and when asked them to verify that the debt is mine ( which is my right as a consumer ) they initially refused, and lastly a representative threatened to ruin my credit with this collection. All ill practices.
Product: Mortgage

I have a " Synovus '' in house loan on a rental property that is listed as a commercial. loan.

Took out the Loan in XXXX or XXXX of XXXX. Have been paying over 6 %. Paid XXXX to XXXX down on signing loan. I tried to refinance and take out some equity and was denied stating that I was not " profiting on property '' Which I never intended to. Just planned on renting it and making payments to have for the future. 

I paid XXXX down initially on a {$100000.00} loan. Only owe {$40000.00}. 

Property is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan # ends in XXXX Thru SYNOVUS Bank which use to be XXXX XXXX XXXX. 

Banked with them for many years. 

Please help if you can. Thank You XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Cell : XXXX
Product: Debt collection

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX,  they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant Mercantile Agency Account # XXXX. Date Opened XX/XX/XXXX Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Debt collection

I RECEIVE A SUMMON TO APPEAR IN COURT ON XX/XX/XXXX FOR A CREDIT CARD DEBT.THIS COLLECTION DEBT IS THREE YEARS OLD. MY LAST ACTIVITY ON THIS CREDIT CARD WAS XX/XX/XXXX. THE DEBT WAS CHARGED OFF IN XX/XX/XXXX.XXXX XXXX  IS TRYING TO SUE FOR THIS DEBT WHICH THE STATUE OF LIMITATION IN MISSISSIPPI HAVE EXPIRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed in with XXXX and XXXX  to have eastern account system remove from my account and asked for proof of debt never recieved the information. Showing proof of debt. Since I did not have an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this before with Equifax it has not been removed as recent as of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

No response on the 30 day investigation on the hard inquiries reporting on my credit report and its been well past 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


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

Subject : Dispute of Erroneous Reporting by ResidentVerify Impacting Housing Opportunities Dear CFPB, I am filing a formal dispute regarding inaccurate and derogatory information reported by ResidentVerify, a third-party screening and reporting agency. ResidentVerify is inaccurately reporting an eviction and bankruptcy on my consumer profile, which has unju

stly prevented me from securing housing. This erroneous information may be linked to the recent national data breach that exposed sensitive consumer data. Details of Disputed Items : 1. An eviction entry that does not belong to me and is unverified.

2. A bankruptcy entry that is inaccurately a

ssociated with my profile. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate information and require that it be investigated and verified. Additionally, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the maximum possible accuracy of the data they report. Moreover, 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ) requires that, upon dispute, the debt collector or reporting party must cease collection and obtain verification of the debt. This includes obtaining a validation letter from a legitimate source, such as the courts or original cred
itor, to substantiate the claim. ResidentVerify has failed to provide such documentation.

These errors have caused significant harm by unjustly limiting my housing opportunities. If ResidentVerify can not verify the accuracy and legitimacy of these entries, I demand their immediate removal from all consumer reports. 

Thank you for your prompt attention to this matter. I request written confirmation once the investigation is complete and all necessary corrections have been made. 

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

On XX/XX/XXXX, I reviewed my credit report and identified significant inaccuracies related to an account reported by XXXXXXXX XXXX XXXXXXXX. The inaccuracies are as follows : XXXX XXXX  XXXX  can not provide any paperwork demonstrating a contract between myself and their organization. All documents they have presented come from other parties, which does not constitute proof of validation or verification. The credit report states that the account was " Date Opened '' on XX/XX/XXXX, but the " Report Date '' is XX/XX/XXXX. This inconsistency is another clear error and raises questions about the validity of this entry. The report lists " TRANSFER_OR_SOLD '' without identifying the name of the entity to whom the account was transferred or sold. The absence of this information constitutes another fraudulent and removable offense. The report reflects no payment history under " Frequency of Payment History, '' yet it lists the account as late. It is impossible to have no payment history and simultaneously report late payments without providing any supporting evidence, which is another infraction against my credit report. Additionally, I have provided an affidavit from the government affirming that this information is inaccurate and fraudulent, along with supporting documents such as my Social Security card and ID to prove my identity and refute any association with this account. I have already conducted a full identity fraud validation, and both XXXX and TransUnion have removed this information from my credit report. Despite this, XXXX XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not removing this unverifiable and inaccurate information. Given these errors, I am requesting the immediate removal of this account from my credit and tenant reports. Failure to address these violations will leave me no choice but to pursue legal action, as I have already consulted with legal counsel regarding this matter. Thank you for your immediate attention to this issue. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires that I didn't make nor did I approve anyone to pull my credit report
Product: Debt collection

I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and XXXX the fraudulent information to my credit report. I sent letters to the XXXX credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within XXXX days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau continues to " Block on line access '' after changing passwords " twice '' Experian has " changed phone numbers to an old no service " number. Account updates were in XX/XX/XXXX and again today XX/XX/XXXX Experian still continues to input " old phones '' as contacts, therefore " Blocking on-line access. 
Furthermore Experian Credit Bureau continues to " OVERRIDE the system '' to " LOWER FICO SCORE by as much as 20-30 points different then the other major credit bureaus and making changes to my account personal information, contact information and email address.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX and XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2018, I ordered two items from  XXXX. I used my XXXX Visa card. Imagine my surprise when I received an unrequested XXXX Visa card in the mail today, issued through Chase Bank, in a name I haven't used for over 15 years, with a {$9500.00} credit limit. It is terrifying to think someone could have taken it out of my mailbox without my knowing it. I did not request a credit card, I did not fill out any forms or give any personal information to get a credit card, and I have no idea why they decided to issue me a card or how they got sufficient information to even determine I was eligible. I checked my credit reports and see a hard inquiry dated XX/XX/2018 on my XXXX report, which I also do not appreciate. I called and cancelled the card but I am very concerned about this practice and think XXXX should be taken to task for issuing me an unrequested credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : In accordance with the Fair Credit Reporting Act XX/XX/XXXX BNK, Account # XXXX has violated my rights XXXX5 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: Mortgage

my Dads house went to probate after his death, all of us siblings was listed on the probate, First American title Insurance company was incharge of the closing however the never used reciepts from the person in charge of showing receipts, the statement from XXXX XXXX at first american title said she didnt need to see receipts just a itemized letter of billing however XXXX XXXX the exucutor never showed receipts for billing the Estate, she billed the estate for payments she never made and added insurance payments when my Dads house was escrow { insurance added into payment } and the house was for sale for XXXX dollars for some coinsadence the closing added upto exactly XXXX, i believe American title with the help of XXXX XXXX, frauded and embezzeled the probate, i have proof of the mortgage showing its escrow and you would think the title place would need receipts for billing, if not hell i can make up anything also to make money fraudulent