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

In accordance with the Fair Credit Repot Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 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. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/2015, I was the victim of Identity Theft. Target was the 2nd company to contact me about an account being opened in my name. They told me at the time that they would remove the hard inquiry off of my credit report, but as of today it is still on there. I have filed a police report & followed all protocol to get the hard inquiries off of my credit, but Target & XXXX are still on my XXXX Report under Hard Inquiries. I have exhausted all of my resources to get these last two inquiries off of my XXXX report. I hope you can help get these resolved.
Product: Checking or savings account

I purchased plane tickets through XXXX XXXX and they completely scammed me out of XXXX $ i purchased XXXX $ flight insurance in case i needed to cancel our change my flight, which on the website said cancellations were covered. The day before i got really sick and couldn't fly for 21 hours. I tried to cancel and they said that i would have to pay XXXX $ and that my insurance doesn't cover cancellations but it actually did. I purchased a full round trip ticket. 2 weeks later was supposed to be my return flight but because i NEVER took the flight there nor was i offered an alternative solution besides ripping me off for more thousands of dollars they cancelled my return flight and still did not refund my money. I never flew with this airline my insurance covered nothing and i feel scammed. I filed a claim with my bank ( chase ) and they have not helped nor ruled in my favor. They have not offered me partial refund or anything for that matter. I am so upset because this company portrays false information. I also XXXX   the company and this is not an isolated situation they have done this to others. XXXX XXXX check the reviews im not the only person this has happened to. XXXX XXXX XXXX
Product: Mortgage

VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a food package for an inmate at our local jail. The commisary came out to a total of {$100.00} with 20 overnight express delivery included. The commisary provider said they could not take debit card payments only Cash App or cash at the actual facility. So I paid them CASH app a total of {$100.00}. The money was instantly taken but the package did not arrive as i paid for. By the time my friend was released the package still hadnt arrived to him. I tried numerous times to reach out to the contracted provider via email about 3 times then i tried to reach out to cash app and still to this day I have not received a refund.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian on multiple occasions to correct this error. For the last dispute, I uploaded a copy of check number XXXX from XXXX XXXX XXXX amount of {$110.00}. I uploaded a copy of the letter dated XX/XX/XXXX reflecting my last payment date of XX/XX/XXXX, amount paid {$300.00}, and that the account reflected a credit in the amount of XXXX. Therefore, I was not deliquent 30 days as the bill was due on XX/XX/XXXX. I have contacted BOTH EXPERIAN AND XXXX REGARDING THIS.
Product: Payday loan, title loan, or personal loan

On the date of XX/XX/2022 i was looking into a personal loan came across world acceptant finance i put in a allocation online was called at XXXX XXXX by XXXX i was asked if i was looking into a loan of XXXX i said yes and she asked if i wanted to proceed with application i asked is there a hard credit pull cause if there is don't do it i won't be approved if it's a soft credit pull then yes i wan na proceed she said no it's only if we run your credit two time i asked if she was sure i was in the process of repairing my credit don't want hard inquiry she assured me there wasn't as soon as we got off the phone i got a email of a hard credit check tried calling back no answer went to the office asked them to remove i did not authorize if it was gon na be a hard credit inquiry i spoke with the manager her name was XXXX XXXX she stated there branch manager would call me never got them to removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the removal of my fraud alerts in which I have already requested
Product: Credit reporting, credit repair services, or other personal consumer reports

First experian credit bureau company let these people mess my credit up with these inquires and these accounts that was place on there from medical file also i have a XXXX XXXX XXXX and this is very stressful looking at this and seeing 82 inquires that they let people getting away doing people like this is unfair u cant understand nothing they say on the phone and they messing up your credit this is really unfsir
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt in sending a CFPB Complaint and it has come to my attention that the three Credit Bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. The fact is, I would like to file a case against the 3 credit bureaus for violations of the FCRA Section 605b. I demand an immediate investigation into these violations and appropriate remedies as per ther law. Please help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC. 
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.
Product: Credit reporting

I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry. Tax Lien XXXX Verify and corroborate the information filed in the status, date filed and plaintiff. It seems incorrect and it could be harming my credit worthiness, please correct this or else have it removed from my report XXXX XXXX XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company. UNKNOWN XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. 
I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff.
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 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

Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, EXPERIAN or XXXX.
Product: Debt collection

In XX/XX/XXXX I took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for XXXX surgeries. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX XXXX and was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I discovered that one of my credit card accounts had been closed due to a bankruptcy filed XX/XX/2024. I am not in bankruptcy. I was directed to contact the credit bureaus which I did and was told by each of them that they show no bankruptcy on my credit report. 

This is a continuous issue with my siblings credit information being merged with mine. Our names and social security numbers are very similar. I have had security alerts, freezes etc added to my social security account to no avail. 

I contacted Trans Union, XXXX, XXXX and XXXX and none of the companies are claiming to be responsible for the error. One of them had to post the bankruptcy because my XXXX XXXX  XXXX  account has been closed because of it. 

Please help. The only solution that the credit companies offered was a free credit report.
Product: Vehicle loan or lease

Capital one auto is a joke. 

My car was totaled XX/XX/2024 I continued making my payments to avoid impact to my credit. ( Only needed one payment ) now that everything is said and done they are saying I don't get my payment back even though gap and insurance covered the balance... .all because they reported the balance WITH my payment so the gap insurance paid XXXX less. That should not fall on me when the payment was for XXXX AFTER they reported the balance inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have acquired my credit report and have noticed multiple fraudulent accounts that are reporting on my file from identity theft. After my discovery I have reached out to the credit bureaus XXXX, Equifax and XXXX to dispute this matter and to check and make sure everything is complete and accurate and to notify them of the accounts that are reflecting on my file from identify theft and requested an immediate freeze on my accounts as well as to update my personal information on XXXX XXXX and XXXX XXXX. I also informed the credit bureaus that I have file an FTC complaint on XX/XX/2003 ( FTC Report number : XXXX ) regarding this matter and that the account be removed and block from reporting to my credit report according to 15 US Code 1681c- 2 - Block of information resulting in identity theft.

BLOCK except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of -- -
Product: Credit reporting

Hard inquiries have been appearing and disappearing from my credit report through 2016. 
Hard inquiries were inserted without prior written notification - XXXX inquiries that I am enclosing. 
Also, hard inquiries were inserted without permissible purpose. For example, I never gave any permission to XXXX BANK & XXXX via XXXX BANK AND TRU. Nor is it clear why are there other hard inquiries. 
I 'm requesting permanent removal of inquiries from : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX BANK DELAWARE XXXX BANK XXXX XXXX via XXXX BANK AND XXXX THE XXXX XXXX CO via XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/2024, I sent a formal letter to CREDIT COLLECTION SERVICE, requesting validation of a debt they claim I owe. This request included a timeline of up to 30 days for them to provide proof of the alleged debt. Its been more then 90 Days Despite this, they failed to respond within the given timeframe. 

After several follow-ups, they finally contacted me and informed me that they could not provide any form of validation other than a bill. I made it clear to them that a bill does not constitute proper validation of the debt, as it does not include any legally binding documentation, such as the original agreement or purchase contract that proves I agreed to and owe the alleged debt. 

Furthermore, the company admitted they do not have the required legal documentation to validate the debt, nor can they demonstrate that the debt is legitimately tied to me. However, they continue to inaccurately report this information on my credit report. When I requested a letter of deletion due to their inability to validate the debt, they refused. 

This situation has caused significant harm, as the inaccurate reporting of this unverified debt negatively impacts my credit. 

I request that the CFPB intervene in this matter to ensure that : XXXX. CCS provides valid documentation proving this debt is legitimate and associated with me. And that they can obtain this debt. 

XXXX. If they are unable to validate the debt, they immediately cease all collection efforts and request removal of the inaccurate reporting from my credit file with all credit bureaus. 

Thank you for your attention to this matter. I am attaching copies of my correspondence, including my original validation request, for your review. Please feel free to contact me if additional information or documentation is needed.