23daVinci/CFPB_Complaints huggingface dataset:
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 : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 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

Lexis Nexis is reporting a huge amount of errors they are as follows : Lexis Nexis Consumer # XXXX Wrong Name I have never used this name nor do I accept anything in anothers name Records 18-20 Wrong Name I have never used this name nor do I accept anything in anothers name Records 25-27,37,41,57 Record 1-4 not my email address Record 5-8 I never had these email Insurance Policy Records Record 1 I have never had this insurance company and I have never had a return check Record 3 I have never had a drivers license in new York Record 4 they never reimbursed me for a rental I was not at fault I was not the one involved the person committed insurance fraud there was absolutely no damage to the XXXX XXXX Section 10 Records 2-5 I have only had/have a license for the state of Virginia and international drivers permit Alleged DL violation details Records 1-3, 5-8 ALL THESE FRADULANT CHARGES WERE NOL PROCESSED, NOT A CONVICTION Record 4 I have never been convicted or cited for driving under suspension or revoke Record 13-15 ALL OF THESE CHARGES WERE DROPPED THERE WAS AND IS NO CONVICTION Records in the CLUE section Record 1 CLUE File # XXXX I have never had a policy with XXXX XXXX XXXX XXXX CLUE File # XXXX, # XXXX, XXXX I have never had a policy with XXXX , I have never had a policy with XXXX XXXX, I am not XXXX XXXX. 
Addresses : Address ID # XXXX this is a nonmailable address, this is an address that is over XXXX years old # XXXX this is not an address I have ever lived at it is a nonmailable address You must remove ALL the listed addresses on the report ALL of them are nonmailable, ALL of them are over XXXX years old. Please update your records with the proper mailing address : XXXX XXXX XXXX XXXX VA XXXX Additionally, without providing a valid contract binding me with any alleged " creditor '' and/or arbitrary verification pursuant to said contracts, they must be removed from showing anything negative in their reporting.
Product: Checking or savings account

I noticed around the XXXX of XXXX that my savings account was blocked on the Citi Bank XXXX I originally got that account due to the attractive miles option and deposited cash into it at a XXXX XXXX XXXX. I called a number of times to have the account unblocked. But they said the account is referred for closure, they cant tell me anything and I will receive the funds after XXXX days. My money is essentially frozen for XXXX days with no explanation. And I will not get the initial miles Id hoped for.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified by Comenity Bank, they had closed my XXXX Credit Card with a claim of inactivity. They never sent a warning ahead of time, nor any indication of this occurring. I last used the card XX/XX/XXXX, and paid off my balance in full by XX/XX/XXXX. I questioned the company on the why, they claimed inactivity as the reason, then I was told it was information obtained from the credit bureaus was the reason for closure. They informed me in a reply that I could obtain the information for this in order to understand their reason, from the credit bureaus, I did contact and the credit bureau 's said that Comenity had not inquired about my credit as they claimed. Comenity then responded and in the correspondence, they also changed the date of the closure to XX/XX/XXXX, which is not the same date on their initial letter sent to me, they also did not clarify the reason for closing my card other than inactivity, when I questioned due to the fact I had used it less than 12 months ago.
Product: Checking or savings account

I opened a checking account with US bank in early XXXX via internet. They didn't approve it for a day or so ( unsure why ) but they finally did. At opening, I requested a ATM card. Two weeks went by and I still haven't received it. I went to a US Bank in XXXX ( where I live ) and verified my address and again requested an ATM card. Since I have yet to receive it yet again, I called US Bank and they explained what apparently happened. " Since I had an account with US Bank in XXXX and a profile with my Social Security number on it, they send the ATM card to that address in XXXXXXXX XXXX ''!!! I have moved several times since XXXXXXXX. I did NOT provide an XXXX XXXX address on my application for a new bank account with them. I don't remember ever having an account with US bank. All of this seems irrelevant since I did NOT request my ATM card to be sent to that address. To top it off, they sent the ATM card unlock and it was ready for use. Simply unbelievable!! I have been unable to access my funds without going directly to a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Car was involved in a car accident, how however the vehicle was partial pay off they had over charge with high interest balance in put in on my credit, showing that I was 120 days in which my insurance given them a settle amount already.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their continued failure to remove fraudulent accounts and inaccurate personal information from my credit report, despite multiple disputes and submission of proper documentation. Experian has ignored my repeated requests, sent stall letters with baseless claims, and refused to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts, resulting from identity theft, remain on my credit report : XXXX XXXX, XXXX. Account Number : XXXX XXXX CARD Account Number : XXXX Additionally, the fraudulent addresses associated with these accounts that remain on my report are : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have submitted all required documentation, including government-issued identification, to prove that these accounts and addresses are fraudulent. Despite this, Experian has sent stall letters claiming : That my disputes were in error. 
That the disputes were not made by me. 
That the accounts and addresses could not be blocked or removed. 
XXXX refusal to investigate properly, along with their failure to notify or resolve these disputes, violates several provisions of the FCRA, including : FCRA Section 611, which requires credit reporting agencies to conduct thorough and reasonable investigations of disputes and remove unverifiable or inaccurate information.

FCRA Section 605B, which mandates the blocking of information resulting from identity theft upon receipt of proper documentation. 
Their failure to act has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue financial and emotional distress.
Product: Debt collection

My bankruptcy was discharged in 2012 and I am in the process of closing on a home. It was discovered during the home buying process that XXXX XXXX XXXX never released a judgment they placed against me back in 2012 for a debt that was included in the bankruptcy and has since been discharged! I called three different times this last week and was advised three different things all of which did not include them releasing the judgment. They are falsely holding a legal matter over on me, illegally now.
Product: Debt collection

I just found out that XXXX XXXX somehow obtained the home and cell phones of my parents and have been repeatedly harassing them daily. It is extremely distressing to my elderly mother, and she wants it to stop immediately. What XXXX is doing is ILLEGAL under the FCRA, and if they do not cease the illegal calls to my outside family immediately, I will take legal action.
Product: Debt collection

I get unwanted harassing calls from this number DAILY. I informed them to stop calling my number. I informed them that I am on the do not call registry. This debt does not belong to me. They are calling my phone looking for someone else.
Product: Checking or savings account

TD closed my account in XX/XX/2021. In XXXX I called in to have me remove from any for of electronic payments, bill pay and XXXX. It is normally common sense to conduct since you are no longer a customer. 

As, XX/XX/XXXX the bank refused to honor my results and been collecting funds on behalf of a closed account. 
I attempted to resolve this issue. The bank workers claimed the matter would be resolved in 2 bussiness however it isnt true. 

My friend sent me emergency funds and TD refused to release the funds sent to me, back to the recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX is reporting a payment status of 90 days late, XXXX  is reporting no late payments and Equifax is not reporting this account. XXXX XXXX XXXX : XXXX is reporting a payment status of 30 days late, XXXX  is reporting a status of 30 days late, Equifax is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX  and Equifax are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Mortgage

I applied for a mortgage refinance with Quicken Loans/Rocket Mortgage, relying upon their oral and internet representations about the terms of the refinance loan they were offering. One of the most important terms that they represented was that they never, or hardly ever, resold a loan to another company and absolutely never re-sold the servicing of the mortgage. 

I paid an appraisal fee ( {$500.00} ) and also a lawyer 's fee ( {$750.00} ). I hired the lawyer ( XXXX XXXX of XXXX, XXXX in XXXX, NH ) because Quicken/Rocket at first insisted on sending all documents on the internet, instead of on paper, and I can not easily read back-lit documents ( old eyes ). 

Quicken agreed to give me the mortgage, but when my lawyer read the closing documents from Quicken, ( and eventually when they arrived on paper at my home ) ; it turned out that the terms in the closing documents were NOT what Quicken had represented. Importantly, Quicken 's papers said the exact opposite : that they commonly resold loans -- and also commonly re-sold the servicing contracts! 

I phoned Quicken Loans/Rocket to complain, and to ask for written loan terms that reflected their original offer, but they refused ; saying that they only " aim '' not to sell loans, but they could NOT put that in writing! They said the writing was mere " verbiage! '' But they admitted, though, that the writing would control! 

I asked to speak to someone in their business to whom I could complain about the terms in the papers, and was told there was no internal complaint process at Quicken Loans ; nor did they have any lawyer at Quicken to whom my own lawyer could speak! As a result, we cancelled the closing, which had been scheduled for XX/XX/XXXX. I asked for my money back, but Quicken 's reps declined! 

I was induced by Quicken 's deceptive marketing -- and possible overreaching because of my weak eyes or age -- to apply for the loan in the first place ; and then lured into spending money in reliance on Quicken 's representation that they would give me a loan with different ( no-re-sale ) terms. Apparently Quicken knew all along that they were not going to live up to their representations, but lured me into spending money on bogus promises! 

Specific people that I spoke to : XXXX XXXX and XXXX XXXX on XX/XX/XXXX. It was they to whom I spoke about trying to resolve the issue in writing and eventually cancelling the closing.. They, instead, reiterated the representation that Quicken " aims '' to keep its loans -- but acknowledged that the written closing documents said the opposite. Then they said that closing documents were mere " verbiage! '' ( but also acknowledged that the written documents were " controlling. " ). 

Earlier, when I started the application process, by phone, I spoke to Quicken marketer, XXXX XXXX, who made the same initial representation. XXXX also pointed to several on-line new articles or ads, in which Quicken said that it " hardly ever '' re-sold loans and NEVER re-sold a servicing contract. In light of their closing documents, these were apparently slick mis-representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXXXXXX XXXX, # XXXX XXXX # XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX US DEPT OF EDU, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

i have no knowledge of this account. It was fraudulently obtained without my knowledge. management are liars and commit fraud to get full capacity at their property. I have attempted to contact them and they refuse to speak to me. It has had different managers who all pretend to know nothing. I have attempted multiple times to get this corrected due to identity theft. debt was sold and they have been unable to provide me proof of wet ink signed lease. physical footage of me in the office.
Product: Credit reporting or other personal consumer reports

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2024. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Record Type : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX working XXXX, I applied a credit card with Bank of America, received card within 2 weeks, Once I received my card at my XXXX XXXX address, I was able to activate card but Bank of America placed a fraudulent alert on my card and blocked any usage. I called Bank of America, but due to me not having a US number, they kept stating that they weren't able to authenticate me because they couldn't send me a text message, even tough I was receiving emails and push notifications on mobile APP. Bank of America opened an account but then they couldn't authenticate me, what a joke.. Great service to members of military XXXX?? Now my credit will show opening and closing of an account on my behalf and possibly have taken a hit on my credit report and not to mention I spending over XXXX hours playing phone tag, bein Authenticated back and fourth .... 

Never again I will open any account with Bank Of America as they have fooled me in opening a credit card account but then locking me out of using it.. This has to be clearly against the law, obviously they knew I was XXXX when my address was clearly an XXXX XXXX, to state they can't authenticate me because I'm XXXX is bogus.. 

Attached is email received from bank of America, sending code to register my account with mobile banking ( in which I was able to Register )
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and here is my tracking number : XXXX XX/XX/year> they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to formally dispute inaccurate information on my credit report that I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a thorough and accurate investigation into these inaccuracies as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. The CFPB highlighted the following systemic issues : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed and inaccurate information without justification. 
Failing to provide consumers with clear and timely notification of investigation results. 
These allegations raise significant concerns about the integrity of consumer credit reporting practices. I am deeply concerned that my dispute may not be handled with the diligence and accuracy required by law.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My XXXX Credit Report Dear Consumer Financial Protection Bureau, I am submitting this complaint to request your assistance in addressing inaccuracies on my XXXX credit report. I have identified the following account as containing errors and potentially violating provisions of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Creditor Type : Personal Loan Companies Details of the Disputed Account : Balance Owed : {$760.00} Account Status : Closed ; Collection/Chargeoff Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Issues Identified : Unverified Information : The Last Verified field is blank, violating FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit bureaus to verify the accuracy of reported data. 

Date Discrepancies : The Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) suggest potential re-aging of the account, which violates FCRA Section 623 ( a ) ( 2 ). Re-aging extends the reporting period unfairly and harms my credit standing. 

Missing Creditor Information : The Original Creditor field is blank. Under FCRA Section 609 ( a ) ( 1 ), credit reports must include the original creditors information for proper verification.

Seven-Year Reporting Period Violation : The payment history indicates charge-offs as recent as XX/XX/XXXX. However, the accounts initial delinquency occurred after the last payment on XX/XX/XXXX. Per FCRA Section 6

05 ( a ) ( 4 ), charge-offs should not be reported more than seven years from the date of first delinquency.

Contradictory Remarks : The remarks state the account was assigned to an attorney, collection agency, or internal collections department, yet the balance is reported as a loss. If the debt is uncollectible, it XXXX no longer be valid for reporting.
Product: Credit reporting or other personal consumer reports

I am hereby serving notice of pre-arbitration to XXXX and XXXX. 

On XX/XX/2024, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX and XXXX ' inaccurate reporting of a tradeline on my credit. 

On XX/XX/2024, XXXX responded to my complaint, asserting that they found no inaccuracies. 

As of XX/XX/2024, upon reviewing my credit report, I still note inaccuracies in the account status and payment history. Furthermore, the reporting across all three bureaus remains consistently inaccurate. I have attached proof for reference
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 # XX/XX/XXXX XXXX XXXX XX/XX/XXXX