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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX 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 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: Debt collection

I called XXXX XXXX  to pay the bill and it said nothing was due
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.
Product: Checking or savings account

Last XXXX XXXXXX/XX/XXXX, I went in person to my local branch to open a checking account. Everything went well and I deposited a cash advance check for {$1400.00}. Everything was perfect until a couple days later which is today XX/XX/XXXX, they have locked my mobile access app and any login attempts to my account because they believe it has unusual activity so its locked. I called to ask that the XXXX is the problem because I just opened this account few days ago, my check cleared and their was no problem so whats going on!? They tell me that they cant verify my check because they need a phone number to match the check company? So I said okay, I provided the customer service number for XXXX XXXX XXXX based in XXXX  the number, the address, time and dates of everything and they refused to call for verification!! They said oh we cant physically call ourselves to confirm it has to be a phone number in their system and its suppose to match like XXXX? I told them go on XXXX because Im looking at it on my laptop and my paperwork signed contract and it has the same information.. so what cant you match??? They proceeded to tell me the system didnt have a number certified to it so they had no way of verifying the check? THEY COULD HAVE JUST CALLED! THEY COULD HAVE GOOGLED IT! WITH ALL THIS XXXX TECHNOLOGY AND KNOW HOW, these XXXX  have seemed to focused their energy on nothing when a simple phone call could have verified the check and myself or better yet they could have done this when I first opened the account in person!!!!!!! 

You can understand my frustration. The check and account are legitimate but XXXX  in the corporate world is the new norm. I want my account back online and fixed. I also want to them to written up for their XXXX. This is getting out of hand especially when I have a XXXX figure settlement coming. I cant trust any of these banks to do XXXX right I need your help to set the standard again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  keeps showing up on my credit report. This is not my account I have never heard of them before. It says collection for XXXX. Ive never had sprint either. I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to all 3 credit bureaus EQUIFAX, XXXX, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : 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

Accordance with the fair credit reporting Act XXXX capital one account # XXXX and also XXXX XXXX account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I the right to privacy, 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


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

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection account and I was told by a customer representative it will be deleted when I paid it off ... I paid it off and when I called back they claim they will only update the balance ..Its still on my credit report and they lied to me
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt, Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX  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. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX -- XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATIONXXXX  # XXXX DEPT OF EDUCATION/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 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: Credit reporting

My account with XXXX, a collections agency was reporting fraudulently and was misrepresenting my character. The company was removed from my credit reports only to be re-inserted unlawfully. 15 U.S. Code 1681 states the agency must notify myself in writing 5 day after re-inserting a collection on my credit it also states that thorough investigation must be done and a record of said investigation be given to the consumer ( me ) .Experian has failed to provide me with any evidence of an investigation and or notice of re-inserting the item on my credit.
Product: Student loan

Loan payment was made to Mohela on XX/XX/24, however, I received and email from the federal student loan stating that my payments Im behind on my payments which is not true. The wait time to get through is so extensive and then by the time you get someone you get hung up on its terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Ive received an email from XXXX XXXX saying that a new student loan was added to my Equifax credit report. I also checked my XXXX account and its projecting the same credit score. XXXX stayed the same as it was reported around the same time as the other credit bureaus. When I went to go check it out, I saw that my score dropped drastically from XXXX to XXXX. Ive reached out to XXXX XXXX and told them that this information is fraud. I didnt take out a student loan at all. Its been since XXXX that I had a student loan and that was already being paid through the forgiveness program and the IRS already took out what they needed for the remaining amount. Ive been getting my taxes after that ever since. XXXX XXXX sent an update about the student service that is now reported on my credit by the name US DEPARTMENT OF EDU saying that I now have a loan for over {$7000.00}. This was listed on XXXX XXXX. This information is inaccurate and negatively impacted my credit. I called the number that was given to me with the creditors address and when I called, an automated representative was asking me if I was 50 years or older and that they have promotional offers. I knew right then that this was definitely fraud. I reached out to the credit bureau Equifax and they had me reset my password so they can help me see what they see. Once I gave them the info they needed, the representative saw that something was off. They said to reach out to FTC to get a form and give them the two accounts that are showing the only two accounts that Im aware of. Which are the accounts that have been closed a long time ago. To my knowledge, someone is tampering with my social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company recently changed the way that they calculate credit scores. During this period i refinanced my equity line, keeping the same amount but lowered my payment by about $ XXXX/mo. My first mortage lender ( XXXX ) went bankrupt. My first mortgage was taken over by another lender XXXX XXXX. They use a servicing company called XXXX XXXX XXXX credit score drops by more than 80 pts. and a comment on my credit report appears saying that my real estate loans are too high, and that my credit useage is 74 %. 
Experian has no idea of the value of the house securing the loans, and they are lumping my secured line of credit mortgage with unsecured credit cards. As a result, my credit score is XXXX points less than that of other credit reporting bureaus. When i contacted them, i was told that i could not challenge their scoring. How can they say real estate loans are too high, when they have no knowledge of the asset value? When asked about the difference credit scoring with the same information, they had no answer. 


















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

I sent a certified complaint to Experian ( EX ) about late payment and derogatory inaccuracies it has been over thirty days and I have not received the results. I am requesting that all of the derogatory information be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After previous identity theft in XXXX, put a credit freeze in place with all three credit reporting bureaus. On XX/XX/XXXX I found out that XXXX Bank had pulled a credit report on my through Experian. I was surprised by this, as I had not requested credit, and I had not lifted my credit freeze. 

I attempted to log in to my Experian account to verify the status of my credit freeze, and found that I could not login, and that the account was now associated with an email I did not recognize and had never used. I inferred that my credit at Experian was no longer frozen, and that someone had hacked in to my Experian profile to unfreeze it and then apply for credit. 

Experian has been of no help to me in resolving this issue. It is impossible to reach a live person on the phone. All options on their voice mail menu lead in circles, and a recorded message even says that " I'm only able to transfer people in limited circumstances '' if you ask for an operator or representative. 

Although I was able to stop the unauthorized accounts at XXXX from being opened by contacting XXXX, I believe that my credit information is not secure with Experian, and that this can and will happen again. I also believe that Experian does not have enough safeguards in place to prevent an unauthorized person from taking over/hacking an Experian profile. A quick search online shows that exactly this has started happening to many people -- they find their Experian accounts have been taken over and are now associated with someone else 's email, and that person now can remove credit freezes and fraud alerts. 

Experian needs to fix this problem quickly, and they need to answer their phones instead of referring people to prerecorded messages and their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to do a proper investigation into a dispute reinvestigation That I previously requested, to date TransUnion has not done any investigation into this matter, however they stated in a previous CFPB complaint that they did ( that was a false statement ). On XXXX, XX/XX/XXXX and XX/XX/XXXX TransUnion has sent me updates credit reports stating the account in question was reporting accurate, how can that be when they did not do a proper investigation as required by the FCRA. I have attached evidence to this complaint showing TransUnion never investigated nor updated my credit file, I have also attached a court document showing the account on my credit file is invalid. I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Apparently and unfortunately I have an adult son with the same first and last name. He has confirmed that he in fact obtained services from a photography company in XXXX. I knew absolutely nothing about his personal or professional business with this company as I live in the State of Connecticut. I had an impeccable credit score until one day my wife and I received a collection notification in XXXX stating that I owed over {$3000.00} to XXXX XXXX XXXX for a debt owed to The XXXX XXXX XXXX. I never received a single bill or credit application alert. I tried to explain to all three entities ( Credit Bureaus plus the collector and the agency directly ) that that was impossible since I did not have any photos taken at any point with this company. The agency did confirm that the person they conducted business with was was younger than I. No assistance was provided and they still haven't guided me on what steps need to be taken to have them report the remove this charge that doesn't belong to me. Experian did an " investigation '' which did not resolve the matter and refuse to provide any additional assistance. 

I had my credit profile locked during this time, so I'm not sure how this even happened. I am also completely baffled with trying to figure out how the debt was even originated. ( i.e credit, general bill, use of SSN etc. ) None of which was explained to me. I would like to report fraud on my report and I will take whatever legal actions necessary if this matter is not corrected.
Product: Credit reporting

I have contacted Equifax by certified letter ( return receipt ), by filing disputes online, and by calling on three occasions to no avail regarding hard inquiries on my report which were never authorized by me. Equifax has reported incorrect names, incorrect addresses, and multiple hard inquiries that are fraudulent despite my written and verbal notification. They have sent me a final response stating the report they have on file is accurate. In accordance with the FCRA, they must remove information that is not accurate and was not submitted/used to obtain credit by me.
Product: Checking or savings account

XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX took {$800.00} from my debit card after I left the rental car company. They claim I made a scratch under the car! I did not! They are known for doing this. If you look at XXXX reviews under XXXX XXXX in XXXX they have done this a bunch of times. They steal money out of peoples accounts and illegally come up with bogus charges. They must be stopped! I purchased additional insurance. And the day I made a claim with Bank of America they sent me an email wanting my XXXX insurance information. They already stole {$800.00} from my account. I purchased additional insurance from them at {$30.00} a day so this would not happen. Bank of America is not helping either. Please help me. This is not fair and is a crime. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate
Product: Checking or savings account

My access to M & T Accounts was " locked out '' via XXXX, Mobile Banking and On-line banking. I contacted the bank multiple times, wasted over 2 hours last evening with multiple resets and being locked out each time again. Last time I was told it was fixed and to wait 20min and try again and it would work. It locked me out again and of course they closed 20 minutes after I was told this ( they just told me nicely where to go ). They are shutting down their entire system for the weekend to " upgrade '' If this is not fixed today, I will be without banking for 6 days. How do I pay my bills, who pays my late fees? I have spoken with many reprsentatives, they don't know how to fix it. I have tried to contact their corporate offices, but they have effectively removed every means to contact this office. It is easier to contact the white house. This is no way for a bank to operate and some one has to reign them in and take care of their obvious issues. 

XXXX XXXX XXXX XXXX