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

Good morning : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from you from the United States Bankruptcy Court stating that they DO NOT report any information to ANY consumer reporting agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies Experian and XXXX because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 


XXXX XXXX
Product: Consumer Loan

I have an auto loan with Ally Financial. They are over charging me for interest, my loan states 12 %, but some months they charge about 60 %. They are not crediting my account correctly. They are stating i owe 3 months. I showed them i paid it accordingly, maybe a bit late but paid. They are crediting wrong months. I got an extention XX/XX/XXXX, pushing a payment to the end of loan. They asked me to pay a certain amount XX/XX/XXXX then balance XX/XX/XXXX. I did that as agreed, they now tell me i did n't pay either month. I paid 2 months in XX/XX/XXXX, they said i only paid one month, stating one was returned, it was n't. They send me threatening letters if i do n't pay they will take action. They are charging me late fees because they are crediting my account incorrectly, just a way to collect more money. They are reporting to my credit reports incorrectly. They called me on holidays and days i specified them not not to, they called me at work. They said they can calll to collect whenever they want even at inconvient times
Product: Credit reporting or other personal consumer reports

TD Bank account is reporting uncorrectly as charged off, i attampted to fix this issue with them before but they told me that their unable to make any changes to my credit profile, as my account is no longer owned by them. It's own by XXXX XXXX But they still reporting it as a Charged off account. I'm currently in the process of buying a house, then realized this is a huge damaged on my credit report. 


A charge off is cosidered a certificate of indebtedness which means it is income and must be removed, The IRS Clearly defines a charge off as Gross or Ordinary Income DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate, I never received a 1099C from TD AUTO FINANCE I attached a copy of my credit report and a copy of the IRS article from their website definining charge off accounts According to 15 USC 1681 Under 15 U.S. Code 1681n, which deals with civil liability for willful noncompliance, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater1. 
Such amount of punitive damages as the court may allow. 
In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
This section is part of the Fair Credit Reporting Act ( FCRA ), which aims to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Its important to note that these are statutory damages, meaning they are prescribed by law as opposed to being calculated based on the plaintiffs actual loss.
Product: Credit reporting or other personal consumer reports

I had disputed an account on my credit file to your company as well as the 3 major credit bureaus. I can submit file numbers upon request. All of the information was submitted by mail for the first time on or about XX/XX/XXXX via certified mail as well as several subsequent mailings to XXXX, XXXX, Equifax and XXXX. An investigation was done and I was notified by every agency except for Equifax that the file was removed from my report permanently. I had called Equifax several times and had been given verbal confirmation that this file was removed after the 30 day waiting period when the merchant/account in question did not respond to Equifax 's requests. Since late XXXX this file has not been listed on any of the 3 bureaus listed, however XX/XX/year> I was denied credit due to Equifax reporting this account on my file. The agent for Equifax stated " it just recently started reporting again '' and " there was nothing they could do about it '' Equifax also stated that they have NEVER received any documentation from me regarding this account and that their system only goes back 90 days! This statement is inaccurate as all bureaus received several letters, court filings etc regarding this account via certified mail. I will be taking legal action against Equifax for violations of the FDCPA and the FCRA.
Product: Credit reporting or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or was opened without my permission. XXXX XXXX XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E EXPERIAN, XXXX XXXX XXXX XXXX  ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, XXXX  AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Credit card

I was the victim of identity theft and the company cancelled the fraud claim And someone closed the account suddenly when it was supposed to be reopened to dental visits
Product: Debt collection

This is in reference to closed case XXXX XXXX XXXX of Debt Solutions responded to the CFPB on XX/XX/2020 that they have instructed the credit reporting agencies to remove the account from my file and documentation of the debt would be provided. 

As of this date, non of the above has happened and Debt Recovery Solutions continues to report the debt as a valid debt ( XXXX  XX/XX/2020, XXXX  XX/XX/2020 ) I have tried on several occasions to reach out to XXXX XXXX at the number provided leaving voicemails asking for a call back however I have received no response as of this date.
Product: Credit reporting or other personal consumer reports

Re : Method of Verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below : Incorrect Name - XXXX XXXX XXXX - XXXXhe following personal information is incorrect. This needs to be updated IMMEDIATELY. 


XXXX XX/XX/year> - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXXXXXX XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. - As a consumer by law this account must be DELETED immediately.

Items Highly Requested 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documentation that proves you saw and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section   604.
The letters are attached below.
Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.
Credit Agencies failed to prove 3 requirements and fa  iled to remove inquiries from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came home from XXXX  after doing XXXX years and checked my credit report. I have accounts that were created while I was incarcerated. I did not have the ability to apply for anything while incarcerated because I did not have access to anything to do so. 
The following accounts should not be on my credit report. 
XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX The following inquiries cant be mines : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  They should block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, I've read that by law 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish a account without my written instructions.

So I don't know how this got on my report...

These accounts are hurting me in a very bad way cuz I can not get any loans or any thing due to fraudulent accounts.
Product: Debt collection

XXXX XXXX less than {$500.00} are no longer to be reported on consumer accounts. A law was passed, kindly remove this account from this credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX 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

Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) 281 SW 715,719, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist.

Fraudulent Auto Loan or Lease Company or Organization : XXXX FL XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXXXXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}
Product: Credit card or prepaid card

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a credit card with JPMCB. I found out about this situation in XX/XX/XXXX after receiving several credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, after reviewing my credit report is when I become aware of this credit card account along with others that I didn't authorize. This situation is a major inconvenience and has significantly hindered my ability to obtain credit. I've attempted to dispute this account numerous times with no result.
Product: Mortgage

Almost 5 months ago I applied for a mortgage refinance with Amerisave. Despite the fact that my wife and I have excellent credit and income well above average, and also despite the fact that our house is in a very desirable area of XXXX NJ, the loan still has not been closed. I have been told verbally over the phone that I have been approved and that the closing will be scheduled soon but I am repeatedly asked to supply " just one more thing before we can close ''. I have asked to speak to a manager several times and the people I am dealing with have refused to give me the contact information for a manager. What has been happening over the past few months is that I have had to send and resend documents. They asked for a bunch of documents ( which is expected ) but then would later request them again, saying they lost the fax or in one case " my signature was n't dark enough ''. The document with the supposed signature problem was to request my tax returns from the IRS and that happened months ago. There were also some repairs ( adding a missing handrail and such ) that I needed to address and have done so. Now that the repairs are complete I am being told they found something on my tax returns ( this is months later ) and they need me to fax my original tax returns or they ca n't close the loan. I did a little checking and what I realized is that the interest rates have gone up and what I believe is that they keep stalling hoping that my rate lock will expire or that I will get so frustrated that I just go somewhere else. A friend recommended the CFPB. All I am hoping for is that someone contact Amerisave and verify that I am not being scammed and maybe motivate them to close the loan and honor the rate I have locked. Please note that ( after the fact ) I read some reviews on websites and have found that I am not the only person to have this problem with Amerisave.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX  XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have written to Bull City Financial Solutions several times trying to get them to verify the debt collections listed below and they have yet to do so. I have also sent three letters to them form the original creditor stating that these accounts were placed in error and for BCFS to remove them immediately and that to has not happened. Enclosed you will see all of the letters. 

Account # XXXX - {$370.00} XXXX - {$280.00} XXXX - {$370.00} XXXX - {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been so patient with Experian but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I sent Transunion a dispute challenge letter. However, TransUnion has not responded to my request a violation. 

I'm my challenge letter I asked Transunion to send me methods of verification for the following account. 
The company has not responded, a violation XXXX XXXX XXXX : XXXX ; inaccurate account ; a violation In my dispute letter I asked Transunion to send me proof of last payment. ( please see attachment for credit summary snapshot ) The company has not responded.

In the credit summary you will see that this account was last updated by TransUnion XX/XX/XXXX but still reports multiple inaccuracies, a violation. 

Notice multiple discrepancies in reporting from TransUnion and XXXX  : TransUnion reports that this account was updated in XXXX of XXXX, while the same account is reported by XXXX  with the last date updated XXXX of XXXX, a violation. 


TransUnion currently reports last payment received was it XX/XX/XXXX. But XXXX  reports last payment received in XXXX of XXXX. A violation My bank account reports that this account was last paid XXXX of XXXX. Where is XXXX  and TransUnion getting this inaccurate inconsistent information from??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/2021