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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

They keep reopening this debt on my credit report even though it was discharged in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 two accounts were open under my name ( XXXX XXXX XXXX ) one with a balance of {$310.00} and the other with the balance of {$120.00}. Yesterday XX/XX/2022, I was checking my credit report and found these two accounts reported. I called the company and I confirmed the accounts being opened by an original creditor called XXXX XXXX which was bought by XXXX XXXX XXXX and they were able to provide the information and address from where the account was opened. They told me it was open in XXXX, TX. I then did a police report and I also contacted all 3 credit bureaus. The account seems to only be reported on my Transunion report. I was told to take this step of filing the complaint and send police report and a copy of this complaint to Transunion via US Mail.
Product: Credit card

An amazon J.P. Morgan credit card was opened without my authorization and charged for my amazon prime membership. After speaking with J.P. Morgan two months ago, the account was closed an investigator was assigned, XXXX XXXX, ( XXXX ext. XXXX ) who sent me a letter saying that the account was closed and I was not at fault. I had been told that the payments I made to the account to clear the balance and not negatively affect my credit plus the interest ( {$100.00} dollars and change ) would be given back to my bank account. The entire process has taken over two months and I have still not been able when calling to get in contact with someone who can refund the money to my account in the way I was told in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the balance to be reflected correctly ALWAYS. This issue has been disputed in TransUnion and XXXX  at least twice now. They find that XXXX is incorrect and then amend. Then a month or 2 later XXXX bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute with transunion in XX/XX/XXXX about XXXX  XXXX because they still have an account on my credit report from XXXX. The account has been closed since XXXX and the issue never got resolved. I put in a dispute again for the same issue in XX/XX/XXXX and it said I was accurate with the account being to old and closed and transunion would update it but never did. And XXXX  XXXX wont remove it off my credit either after i have called them multiple times as well.
Product: Mortgage

The closing date for this loan was supposed to be on XX/XX/XXXX. The  company did not deliver a ready for closing and/or moving in. They refused to do the proper repairs to the house before the closing such date. After phone calls to them and e-mails, they were silent for 23 days. Then on XX/XX/XXXX sent a notice of action claiming we Withdraw the Application. This is not true. My spouse 's credit has already been damaged by the Credit Bureaus. We need your help correcting this. 

Company in Question is : Taylor Morrison Home Funding, XXXX XXXX North XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Amount and Loan no. : XXXX # : XXXX {$240000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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
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  Account : XXXX - XXXX 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Product: Mortgage

We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Mohela  reported this loan incorrectly as a " Paid Charge Off '' in XX/XX/. A week later they reported it as " Paid in Full as Agreed '' but this correction is not reflected on my credit report/credit score. Please correct ASAP.
Product: Credit reporting

EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS CONTINUED TO REINSERT INFORMATION THAT WAS PREVIOUSLY DELETED STATING THAT THEY VERIFIED THE INFORMATION WITH THE VIRGINIA XXXX COURTHOUSE ON PUBLIC INFORMATION THAT IS REPORTING WHEN THE CFPB DID INVESTIGATION ON THESE ITEMS WHERE EQUIFAX RESPONDED THAT THE ITEMS WERE NOT REPORTING. AND THAT THEY HAD REMOVED THEM FROM THE CREDIT FILE AS A RESULT OF THE INVESTIGATION. I ALSO CHECKED WITH THE VIRGINIA XXXX XXXX HOUSE AND THE XXXX VA COURTHOUSE WHERE THESE SAID JUDGEMENTS WERE BEING HELD. THE CLERK OF COURT RESPONDED TO ME BY RELAYING THE FOLLOWING THAT THE VIRGINIA XXXX AND XXXX COURTHOUSES DO NOT GIVE CREDIT REPORTING AGENCIES THE PERMISSION TO REPORT THE CONSUMER CREDIT FILE AND THAT THEY CAN NOT PUT JUDGEMENTS ON MY CREDIT REPORT, AS THAT THE COURT DOCKETS DO NOT DISPLAY A SOCIAL SECURITY NUMBER TO ATTACH THEM TO. EQUIFAX HIRED AN OUTSIDE VENDOR TO GIVE THEM THE INFORMATION WHICH I DID N'T EXPRESSLY OR IN WRITING GIVE EQUIFAX PERMISSION TO GIVE ANY OF MY PERSONAL INFORMATION TO A VENDOR SUB CONTRACTED BY THEIR COMPANY. FURTHERMORE ALSO SHOWS THAT EQUIFAX CONTINUES TO PUBLISH NON FACTUAL INFORMATION ON MY CREDIT FILE WITHOUT PERMISSION AND CONTINUES TO RE INSERT INFORMATION TO MY FILE AFTER THE INFORMATION HAS BEEN REMOVED ALSO THIS HAD CAUSED ADDRESSES AND INFORMATION THAT WAS FRAUDULENT TO RE APPEAR BACK ON MY CONSUMER CREDIT REPORT CAUSING THE INFORMATION TO RE-AGE WHICH ARE CLEAR VIOLATIONS UNDER THE FCRA SECTIONS623-624 AND SHOWS THAT EQUIFAX WILL NOT COMPLY WITH FEDERAL STATUES. AND CONTINUES TO HANDLE MY CREDIT REPORT NEGLECTFULLY. PLEASE REVIEW PASS CFPB DISPUTES TO SEE THE RESPONSE OF THE INFORMATION AND RESOLUTION DECIDED ON THESE ITEMS CASE ID XXXX CASE ID XXXX CASE ID XXXX
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 USC XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy.

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I noticed some hard inquiries on my credit report don't have a permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be XXXX. XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax removing my paid in full debt collection from debt collection agency. I called the debt collection agency ( XXXX XXXX XXXX ) located in XXXX XXXX, OH with my concern. The last report date on file to Equifax was XX/XX/XXXX. The debt collection agency told me information was undated and sent to Equifax. I have my bank statement that proves the funds were taking out bank account to the debt collection agency on XX/XX/XXXX. It stills shows due amount of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to remove the false name " XXXX XXXX XXXX '' The only name listed should be my actual LEGAL birth name, which is correctly spelled : XXXX XXXX XXXX. Thank you. 

I tried contacting them via certified mail. They responded to me sayin this had already been corrected. Months later, it still has not. I pulled my report today XX/XX/2022 and they still have incorrect spellings of my name. For my safety and protection against further identity theft, they need to correct this. 

Again, remove the incorrect " XXXX XXXX XXXX '' and please spell my legal birthname correctly. XXXX XXXX XXXX is my only name. Thank you.
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 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 or other personal consumer reports

I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX  Please remove all telephone numbers from my report as well except : ( XXXX ) XXXX Please remove all the other addresses and phone numbers off my report, as they are not deliverable to me by the U.S. postal Service and they are not reportable as per FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX, XXXX. Driver License, SSN Card, and Proof of Residence
Product: Debt collection

Commonwealth Financial ( a collection agency ) reached out about a debt during the week of XX/XX/2023. This was a debt that was from many years ago based on an ambulance bill for our XXXX XXXX XXXX. The original creditor, XXXX submitted the claim to primary insurance which did not cover this fee, as secondary insurance ( Medicaid ) pays for this fee as a part of their transportation program. The hospital got pre-approvals and set up the ride directly through their vendor XXXX. ( XXXX XXXXXXXX XXXX ) before taking this ambulance ride. After XXXX sent us a bill years ago, we sent them our secondary insurance information. XXXX, according to our medicaid provider XXXX XXXX never tried to balance bill them and continued to try and collect directly from us. As I understand in Pennsylvania you can not balance bill a medicaid subscriber. 
According to Commonwealth, this debt was sold to XXXX XXXX XXXX. Earlier this year I again provided information regarding my son 's medicaid number and told them that XXXX never submitted claim to the insurer. I also offer to assist in researching this aged claim and wrote them a letter with any details I could find. My son takes ambulance rides all of the time to doctors appointments as he is XXXX XXXX XXXX XXXX  and no other ambulance company has had issues billing and we never receive balance bills over 15 years. XXXX has multiple claims for collection through their collection partners but refuse to bill our secondary insurer and instead come after us directly, even though the secondary insurer is the one they have the contract with for transportation. 
This morning we found that Commonwealth Financial had put a derogatory remark on our perfect credit report. If this was a valid debt I would pay it, however it is a charge that insurance covers.
Product: Credit reporting or other personal consumer reports

I attempted to access my TransUnion credit report and file a dispute regarding inaccurate reporting by XXXX XXXX XXXX XXXX ( XXXX ). Despite entering accurate personal informationincluding the last four digits of my SSN, phone number, and date of birthTransUnions system repeatedly returned an error message stating it could not locate my account. This occurred multiple times between XX/XX/XXXX and XX/XX/year>. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681g ( a ) Requires consumer reporting agencies to provide a consumer, upon request, all information in their file at the time of the request.

15 U.S. Code 1681i ( a ) Grants consumers the right to dispute inaccurate information and requires agencies to conduct a reasonable reinvestigation.

15 U.S. Code 1681j ( a ) Guarantees free access to ones credit report annually, and also when an adverse action or inaccuracy is suspected.

TransUnions failure to grant me accessdespite correct and verified credentialsconstitutes unlawful obstruction of my federally protected rights. Furthermore, this is interfering with my ability to dispute inaccurate reporting by XXXX, which I believe is intentionally only reporting to select bureaus to evade consumer disputes. 

I request immediate restoration of access to my file, compliance with the FCRA, and an internal investigation into why my account access is being restricted despite fulfilling all authentication requirements.
Product: Student loan

During the Covid 19 pandemic, I paid my student loans, thinking that I was doing the right thing and mature thing in order to pay them down. I later learned about the public service loan forgiveness program, and the waiver that they had, and in order to get my counts to where I needed it to be I needed to consolidate my loan, so I went ahead and consolidated my loan as I was told to do. In the process I was at no time informed that after consolidating, I would not be able to get my COVID-19 payments back. On the website it specifically states that if you pay during COVID-19 you can request the money back it does not say anywhere that you can not get the payments once consolidated unless you look specifically under the Biden plan which has nothing to do with what I am discussing. There is also nothing under the consolidation portion, indicating that if you consolidate, you are not going to be able to get the COVID-19 payments back. At no point during the process did anyone tell me or warn me that this was going to occur. I am now losing out on thousands of dollars that I paid that I should be able to get back all because I consolidated my loan. Had I not consolidated I wouldve been able to get the money back. There is no difference in the consolidation or non-consolidation as far as me getting the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

BRCLYSBANKDE XXXXXXXX XXXX XXXX I contacted credit reporting bureau XXXX XXXX XXXX XXXX I was told to file a FTC Report get a copy of the report and mail it in so the inquiry can be removed off my credit report