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

I contacted the credit agency to report that there was incorrect information on my credit report that needed to be removed, my initial correspondence was on XX/XX/year> After about 2 weeks I contacted your office to file a complaint on XX/XX/year> and within 7 days the credit agency responded with a request for documentation in which I promptly sent via certified mail... 

I just received the companys responds today on XX/XX/year> but there was no change to my report, more specifically the report is still reporting inaccurate information about me, which is causing emotional, and financial hardship. 
The company is still showing multiple names and addresses after I sent them proof that the information they are reporting is inaccurate and violates my consumer rights. 
I sent the company a copy of : 1 ) State drivers license 2 ) Electric bill 3 ) Copy of my Social Security Card Im filing this complaint as an opportunity for this company to cure, and correct the inaccuracies and get into compliance with Metro 2 and the fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Transunion has willful noncompliance to remove several accounts from my credit report that are aged. This is a violation of FCRA. They continue to place erroneous accounts on my report after several attempts to dispute. These accounts are past the statute of limitations seven years. I am requesting civil liability 15 U.S Code 1681n
Product: Checking or savings account

On XX/XX/2020 my account was compromised for the 2nd time and I contacted Iberiabank to close my account or stop payment on this fraud, but they continued to let the action take place. This was the 2nd time an online compromise was made to my debit card and account. The bank shut down my debit card and left my account negative. I currently had to take a lower paying job at my place of employment which was over a 10 % decrease in my pay and knowing my payroll check was direct deposited, I had to actually get aggravated and mad before Iberiabank would step in and lend me funds to get me through the work week. I had over {$1000.00} in my account at the time of the fraudulent withdrawals and had numerous automatic pays coming out of my account in which they covered, but I feel I had to get upset before they realized I needed help. The bank credited my account and then the online company credited a portion of the fraudulent charges too so, Iberiabank had to do a reversal and seemed to get upset with me. After Iberiabank seen the account got some credit from the company they proceeded to tell me that they were gon na wait 30 days for the company to credit all the money back and if they didn't then they would proceed to refund my money. I am still owed over {$300.00} if that is even correct, but yet to see the money in my account. I have a loan with Iberiabank and out of no fault of my own they proceeded to deduct late charges from my account because I had no money in my account to pay the loan at the due date from the fraud. I am beyond mad at this bank and have been a customer for about 5 years since I relocated to the area from my current employer. I feel the bank was notified by myself in time to close my account and to make this matter right. If I ever get the remainder of my money back I will be closing my account. Once I told the manager of my experience and that I was closing my account they neglected to even tell me my debit card had came into the branch and just assumed I could drive over 30 minutes to make withdrawals since I was closing my account. I know I don't make the money now as if I did before, but I am still the same customer and should be treated with the same respect. This bank is far behind on the aspect and knowledge of customer service and how to go the mile for its ' members. Worst experience and still suffering from the fraudulent mishap and not 100 % credited the money I was taken by the company. Please help others before this happens to them and share my concerns.
Product: Debt collection

I ask them to identify themselves when they call. They refuse to answer my question. Then hang up call me 4 times a day. I made it clear that I do not owe anyone any money and they can communicate with me by mail. They do n't even have a valid debt to collect on. I would like to take legal action against them for unlawful harassment. My number is on the do not call list as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found 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 are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

A loan modification was done on my Santander USA account to close out the account, maturity. I did not realize that the late fees that were added on the account from prior years were not included in the modification. When I thought I was making my last payment, there was approx. {$800.00} left on the loan from fees. By the time I realized this, my account was now 30 days late. I paid the {$800.00} in full within that month to close the account, and then it showed the next month I was 60 days late. We are closing on a home and I have worked hard for 2 years to get all of my accounts in good standing. This was one of the accounts, I have made a year and a half on time payments. I would not have let this account be late because this would be very detrimental to my situation. I have contacted them and filed dispute after dispute with credit bureaus, but there is still the 2 late payments on my credit report for XXXX, XXXX and possibly XXXX of 2021. They need to be removed.. We are closing on a home in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to dispute my accounts with XXXX, Equifax and XXXX since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above three credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.
Product: Debt collection

Sequium Asset Solutions is trying to collect a debt from XXXX which has been paid. They have violated the FDCPA by refusing to send any documentation which and an actual notice of their attempt to collect a debt. Even though they are calling from XXXX, Georgia they are spoofing number to make them appear local. Apparently, according to the internet they have a long history of violations. This is regarding an account for XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Student loan

This my 3 time writing to the CFP about AES ( American Education Success Service ) reporting to the credit bureaus concerning my student loan. I have sent documents to support the fact that AES does not the right to report to the credit bureaus concerning my student loans and that this entry should have been deleted. But the credit bureaus refuse to delete this entry also. My loans were consolidated XX/XX/XXXX, I have XXXX loans, when AES was first listed as servicer. In XX/XX/XXXX, I went into bankruptcy until about XXXX and my loan was no longer listed under AES, as servicer. Since, I have disputing this negative entry on my report for about 2 years. Now, AES has changed the name on my credit report to XXXX XXXX XXXX, AES HAS NOT SERVICE ANY OF MY thing SINCE XX/XX/XXXX, THIS IS NOT LEGAL. STATUE OF LIMITATION IS OUT. They can not continue to hijack my account like that. This entry needs to be deleted immediately. I will not stop until something is done about removing this entry altogether from my report. Something needs to be done about them with this negative entry. They refuse to remove this negative entry from my report. XXXX was responsible for my loan since XX/XX/XXXX, because my loans was listed on my bankruptcy, I was still in a grace period in XX/XX/XXXX but after that my loans were in default but not with AES, it was with XXXX. So, I do n't know why they are feel so obligated to continue with my loans. The government paid them at the time for my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX they also violated my rights under -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 or other personal consumer reports

THESE ARE THE NAME OF INQUIRIES I DONT AUTHORIZE PLEASE REMOVE THEM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Servicer, SPS, sending information on forebearance coming to and end. No date of when forebearance ends is provided. During forebearance, SPS is also pursuing foreclosure action in violation of Dual Tracking laws.
Product: Debt collection

I reviewed my credit report on XX/XX/2024, and realized that there is a medical collections bill reflecting on my credit report. I am writing to formally submit a complaint against the collection agency PUGT SND COL for reporting a medical bill on my collections report. I believe this reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and infringes upon my privacy rights. Under HIPAA, medical information must be kept confidential and can not be disclosed without my explicit consent. The reporting of this medical debt not only adversely affects my credit report but also exposes sensitive health information, which is against HIPAA regulations. This situation raises serious concerns about the handling of my medical data and my rights as a consumer. I request that the CFPB investigate this matter and take appropriate action against the collection agency for their apparent disregard of HIPAA laws. Thank you for your attention to this urgent issue.
Product: Student loan

I did not receive an answer from anyone of the agency/bureau that I called to request my available loan balance of education funds to complete my XXXX  semester course of study. Each person was only trained to find the debt balance and not the access to loan balance to pay the university. I called the Dept of Ed, NSLDS, Navient, FAFSA helpline,  the XXXX School loan officer, and others. How does our State, Federal and local governments and Congress monitor, regulateNSLDS,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to eliminate any inaccurate accounts from my credit report. Can you verify the documents? The listed accounts have discrepancies in reporting, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian Credit Bureau regarding a negative item that is inaccurately reported on my credit report. 
Despite providing sufficient documentation and evidence, Experian has failed to remove the following negative item : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX I have already successfully disputed this item with XXXX and XXXX, and they have removed the negative information from their respective credit reports. However, Experian continues to report this inaccurate information, which is negatively impacting my XXXX XXXX and limiting my financial opportunities. 
I respectfully request that the CFPB investigate this matter and take appropriate action to compel Experian to correct this error and remove the inaccurate information from my credit report. 
Thank you for your time and attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to the credit bureaus : XXXX and XXXX that the account of Macys was not my account. Placed disputes for Macys with the credit bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They were all denied and were told to keep on credit report even when I provided a FTC report attached. I called the credit bureaus on XX/XX/XXXX asking both how was the information confirmed by the company and they told me to call Macys. I tried calling Macys several times on separate times and I could not talk to a representative to ask for them to provide me documentation of my signature opening the account because according to Macys I dont have the proper information to verify the account.
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights 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 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

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. 

Accounts have violated my rights 1XXXX XXXX Reported : XXXX. XXXX, XXXX - {$11000.00} 2.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4600.00} 3XXXX XXXX Reported : XXXX. XXXX, XXXX - {$3400.00} 4.XXXX XXXX Reported : XXXX. XXXX, XXXX - {$4400.00} 5XXXX XXXX Reported : XXXX. XXXX, XXXX - {$6200.00} 6XXXX XXXX Reported : XXXX. XXXX, XXXX - {$26000.00} 7XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$760.00} 8.XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1400.00} 9. XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$980.00}. Violated my rights
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am filing a formal complaint against Experian due to fraudulent accounts and inquiries appearing on my credit report. These accounts were opened as a result of identity theft, and I have already provided the necessary documentation under FCRA 1681c-2, including my FTC Identity Theft Report.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Experian is required to block fraudulent accounts within 4 business days upon receiving my FTC Identity Theft Report. 

The accounts listed below remain on my credit report despite my dispute. 



XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ) Experian has a legal obligation to properly investigate disputes. These fraudulent accounts remain, which suggests a violation of federal law. 




Fraudulent Accounts on Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. My only and correct social security number is XXXX. My only correct address is XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. My only job is XXXX please delete any other job that is attached to my file. Thank you.
Product: Credit card

Bank suspended online access claiming fraud, however no proven fraud has ever taken place. Chase demands we go out of our way and drive XXXX miles round trip to a branch to produce XXXX forms of ID.
Product: Credit reporting or other personal consumer reports

The online security freeze request is broken. After successfully passing their identity verification, there is no way to create a new account because there is a bug when fulfilling their password requirements. You either get a passwords do not match message or password requirements message -- which I fulfilled multiple times. 

This is either an unfair practice or a deceptive practice for any consumer wanting to place a security freeze online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX concerning inquiries on my credit report that are inaccurate. 
The inquiries were placed by companies that indicated that my social security number would be used as identification and not to access my credit report and not considered in the approval of my credit application for XXXX XXXX XXXX XXXX is my business XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX  - Card Service XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes Experian Business Cred XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes
Product: Bank account or service

The US Bank changed my Business account which had no fees to a savings account XX/XX/2016. This change included the right of the bank to take out fees if the account operated with a balance of {$1000.00} or less. 
I tried to talk to their customer service person XXXX and was told the bank did n't change the account at first, but in the end of the conversation he admitted they had changed the account. 
This account is now closed as it went into an overdue amount. 
We did not give the bank the right to change the account as we only intended the account to be used by our start up business. 
Kind regards XXXX XXXX