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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

I contacted Experian to notify the organization that it was unauthorized inquiries on my credit report. I explain to them that I had contacted all the companies and they did not have an application on file so they to me to contact the credit company. Experian removed a freeze from my account without my permission and claimed they receive authorization from me which was not valid. At the time I was suffering from XXXX  XXXX XXXX XXXX and unable to walk or drive. So there is no way that I was applying for any vehicle while going through XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collections account from XXXX Accounts ( XXXX ) as being unverified and inaccurate with Equifax XXXX and they came back to me and stated they were able to verify this debt. How is this possible? After the breach at their company youd they would value reporting accurate information. 

Under the laws of the FDCPA, I am entitled to see the source of the information from the results of their investigation, which is the original contract that contains my signature but Equifax has not provided this information. 

Regarding the type of verification required by Section 809 ( b ) of the Fair Debt Collection Practices Act, Equifax is required by law to determine whether a collection agency for a medical provider fulfilled the requirements of that section if it produces an itemized statement of services rendered to a patient on its own computer from information provided by the medical institution... in response to a request for verification of the debt. How was this verified in their investigation? 

The statute also requires that the debt collector obtain verification of the debt and mail it to the consumer. A simple itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statute requires the debt collector, not the creditor, to mail the verification to the consumer. 

After careful research, I have determined that this is not mine, and I have not been given any evidence of my obligation to pay this debt to this collection agency.
Product: Credit reporting or other personal consumer reports

I sent Experian a letter notifying them that my credit report includes incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX they sent me a letter stating that they could not find my information after I gave them my social security number and license by mail. I have an experian account using my information and have a report online so this is not correct. In addition, when I tried to contact them using the phone number they provided their automated system does not allow you to speak to someone when you state you have a dispute, name dispute, complaint etc. It just hangs up on you and say go to the help line online which than runs you in a circle and says that they can not do a name dispute online and you need to contact them by phone or by letter which I have already did. There is no option for me to fix an incorrect name on my report? 

When I was trying to reach someone on the phone through the automated system it may have incorrectly placed a fraud alert on my account. If so, remove this also, however, it may not have did so. I repeat I did not request a fraud alert on my account I am trying to get experian to correct my credit report with a wrong name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am divorced as of a year ago in XX/XX/XXXX, filed chapter XXXX  bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both Equifax and XXXX credit reports after having been removed from bankruptcy, talked with XXXX, not easy to get this task done, also emailed Equifax but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by XXXX, Experian, and XXXX regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and consistent information on my credit reports. After reviewing my reports, I found several errors : Inconsistent " High Balance '' : XXXX : {$520.00}, Experian : {$0.00}, XXXX : {$320.00}. 

Violates 623 ( a ) ( 1 ) ( A ).

Conflicting " Date of Last Activity '' ( DLA ) : XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX. 

Violates 611 ( a ) ( 1 ) ( A ).

Omission of " Closed Date '' : XX/XX/XXXX lists XX/XX/2021, but Experian and XX/XX/XXXX do not report this information.

Violates 609 ( a ) ( 1 ). 

Discrepancy in Creditor Remarks : XXXX : " Charged off as bad debt, '' Experian : " Profit and loss write-off, '' XXXX : XXXX Charged off account. '' Violates 611 ( a ) ( 1 ) ( A ). 

Inconsistent " Credit Limit '' : XXXX and Experian : {$400.00}, XXXX : {$0.00}. 

Violates 609 ( a ) ( 1 ). 

Payment History Errors : Experian shows inconsistent reporting of charge-offs ( CO ), while XXXX exaggerates late payments ( e.g., XXXX instances of XXXX0-day lates ).

Violates 611 ( a ) ( 1 ) ( A ). 

These inaccuracies are harmful to my creditworthiness and violate the FCRAs requirement for accurate and verifiable reporting. I request the immediate deletion of this account from all three credit bureau reports due to the following reasons : The errors are inconsistent and unverifiable. 

The reporting violates multiple sections of the FCRA, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 


[ XXXX XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear Sirs,

I am writting to you to ask about the help.



I would like to report online scammer XXXX XXXX.(passport he send to me attached) He said that he is US citizen and he lives in XXXX in Minnesota.

I met him on XXXX site and after we spoke on XXXX and XXXX.

He trik me into a romantic relationship in order to force me to send him money. I attached print screen from our XXXX  conversation.

Below you can find some information that he gave it to me.and Photograph

XXXX XXXX" XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Washington




I know that he is using other people data and personal details to pick up the money and other frauds.


He claim that he is :
XXXX XXXX 
XXXX

but the photos that he is sending to the woman most probably belong to somebody else ..

Additional i have found another robbed by him person.

Details below.

she lives in XXXX and XXXX.
Her Name is XXXX XXXX
+XXXX 
XXXX XXXX was sending money to XXXX few time and one of the person who picked up the money was XXXX XXXX.   Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This woman is from XXXX from the XXXX XXXX side (probably she is working in XXXX there..


> XXXX XXXX

> XXXX

> XXXX

> XXXX XXXX

> XXXX 


In one of conversation XXXX XXXX  claimed that the man below is his lwayer XXXX XXXX XXXX.(attached some info)

His name is: XXXX XXXX XXXX XXXX"
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate items despite the submission of clear evidence Ive provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violets federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Regarding TransUnion 's Reporting Practices Dear CFPB, I am writing to formally dispute the accuracy of information reported by TransUnion regarding my credit history. According to TransUnion, they claim to update information on a daily basis. However, I do not believe this is true in my case. 

I spoke with XXXX Saturday morning regarding an account that I paid off with there company on XX/XX/year>. They have confirmed they sent the updated account information to TransUnion ; however, I have not seen any updates reflected in my credit report. 

This lack of timely and accurate reporting is concerning and affects my creditworthiness. I would appreciate your assistance in investigating this matter further and ensuring that credit reporting agencies adhere to fair practices. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely CFPB If you have any other questions or need further assistance, let me know I see having proper documentation doesn't do any good. Also TransUnion is always behind by 30 days
Product: Credit reporting or other personal consumer reports

A bankruptcy has shown upon the consumer report, Experian, XXXX XXXX XXXX currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO XXXX XXXX REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to remove.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is being reported with errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Type : Collection Account Number : XXXX Balance Reported : {$4000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No such verification has been provided for this account, making its reporting invalid.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting continues. Federal law requires communication to cease during the dispute process unless verification is provided, which has not occurred.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account shows a balance of {$4000.00} and a status of Charge-Off/Collection, which is contradictory and misleading.

No payment history or activity justifying the listed balance has been provided.

Comments indicate placed for collection, yet the balance remains unverified.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Per IRS regulations, when a creditor cancels {$600.00} or more of debt, they are required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

I have not received a Form 1099-C for this account, raising concerns about its validity and compliance with IRS regulations .

5. Recent CFPB Lawsuit Against Experian : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against Experian, which is reporting this account, for its failure to properly investigate disputes and validate debts. This lawsuit highlights systemic issues with Experians practices and raises further questions about the accuracy and legitimacy of the information being reported in my case. 


Sincerely, XXXX XXXX
Product: Debt collection

I have sent all additional information asked of me. Under California law as a victim of identity theft I would like to have this removed from my credit report and reporting agencies reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

Sincerely,
Product: Checking or savings account

I sent my girlfriend XXXX on XX/XX/XXXX trough zelle and she never received it and the bank and zelle told her it was sent. Transaction number is XXXX I would like to know where and to whom they sent my money
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Inquiry Details XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

in XXXX there was fraudulent charges on my Suntrust credit card. I called them they ask if the charges were mine i told them no they told me they were canceling the card and sending me a new one. I waited 2 weeks and never received the new card. called them again and was told it was sent out, wait until the end of the week they told me. never got it so i called again, this time i was told that there was no card sent out that the card was frozen and i would have to come in to the branch office to un freeze it. asked were that was, was told that they are in Virginia and Georgia. Im in XXXX and that was not going to happen. so they told me that they would send it to be investigated and they would call me to see what could be done to close the account. this was the last week in XXXX. I left for the winter to XXXX XX/XX/XXXX they did try to call me on XX/XX/XXXX i was craving and missed the call have repeatedly tried to call and left messages no response so i sent a message on there site. they answered back and someone would be calling me from investigations. still no call. i messaged Suntrust again they messaged me back and said that they did call me. Not true i have had my phone at all times and have not gotten a call. messaged again they asked for my phone number and a good time to contact me. again and was assured they will be calling. Still no contact. I just want it closed do not understand why they can not do this. I have never had the trouble that i have had with this bank i would advice no one use SunTrust if you don't live in there area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently. 

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX ) due to an adequate customer service and unfair practices which violate the customer financial protection act quotation CFPA. Cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electric fraud transfer act and regulations these actions have caused significant inconvenience and financial loss And I seek appropriate red dress for these violation
Product: Mortgage

We are facing foreclosure auction of our home of 26 years on XXXX XXXX, XXXX. Just a few days away. We have hired Attorney XXXX XXXX to file an injunction and a complaint against XXXX XXXX, Ocwen & XXXX XXXX. We have been fighting them since XXXX. We have absolute evidence they have no interest or standing in our mortgage /loan. They are not the original lender. They have filed for an illegal foreclosure XXXX times. They have charged us for illegal forced placed insurance and 13 % interest. Refuse to modify and constantly give us the run around. They have tried to have XXXX auctions regarding our home since XXXX XXXX. All postponed at the very last minute without the injunction being decided. They have a XXXX party trespass onto our property taking photos and trying to look into windows. We live in fear and terror every day. We are afraid to leave our home i fear they will break in. 
The injunction was denied last week. Attorney XXXX states there is nothing he can do to stop the auction, even though we have an active complaint. We may be forced to file ch.XXXX to try to prevent the auction. 
This loan is a high cost predatory loan. We lost a rescission case in XXXX. Had not heard from Ocwen / XXXX for 3 years after that. They filed the order of notice in XXXX of XXXX. We filed our complaint that same month. 
We are beyond stressed not knowing how we will survive. 
The courts are absolutely biased against the homeowner. They do n't want to hear the facts. They just rubberstamp the forclosures. 
We are not trying to get a " free Home ''. We had job loss and illness which caused us to fall behind in payments. Our home is valued at XXXX and the loan was orig. XXXX. 
There is equity. 
Any help would be greatly appreciated to guide us through this nightmare. 
We know we are not alone in this injustice. 
Thank you for any guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX These are unauthorized and are affecting me getting credit. I am in the military. I have filed a police report and I have sent it to the credit bureaus and these are still on my credit report.