23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of this property in XXXX of XXXX. Everything was good on our end and the lease was completed. I received a collection notice on my credit report for the amount of {$150.00}. I have no knowledge of any outstanding charges when we moved out and paid our final balance. We moved out XX/XX/2022 and this charge was from XX/XX/2022 on the proof of collection I received. A payment was made of {$150.00} in XX/XX/2022, but was returned XX/XX/2022. This was shown under the name of one of the roomates. I, have no knowledge of any of this going on. This should not be a collection on my credit report. I tried contacting the property to get some insight on what was going on, but it turns out they are not managed by the company that was in control when we lived there. That company was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXXXXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXXXXXX XXXX on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 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

my name is XXXX XXXX I am reporting a fraudulent account opened from XXXX XXXX XXXX  under my business name " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' the account is now in collections totaling over XXXX and putting my business credit in a hardship this collection is reporting to XXXX XXXX XXXX, Equifax, XXXX, & XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed my credit reports and noticed there are several incorrect items on there check below for account info. 

1.discover bank XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given discover bank permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to discover bank resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and XXXX  has still not responded with the information I requested. And they are still showing inaccurate information on my report.
Product: Student loan

I attended XXXX XXXX  XXXX XXXX and due to a school closure, all of my loans were forgiven. I have one loan that has not been forgiven and I have not been able to get any information regarding that loan at all. I was told it was consolidated in 2015 but that is all the information that could be provided. I don't know if this loan really belongs to me, why it was not included in the other loans that were forgiven. I need more information and fedloan has not been able to provide any but that is the creditor on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing reports from XXXX XXXX company on my credit profile and I did not give Experian permission to do so. According to the law ( 15 USC 1681b ( 2 ) that states " In accordance with the written instructions of the consumer to whom it relates. " ), Experian has to have my permission/ instruction in writing to furnish reports, which I have never provided them with.
Product: Payday loan, title loan, or personal loan

Will  one month I pa y {$260.00}. But next month it might go down on payment. They do not have a address. But the phone is   XXXX  . At  one time I  was pay {$150.00 } one month. But then I was paying {$100.00} a month. It come out my checking acct each month. I think might be a scam? But I not sure if they are scam. the APR is 395.1. I know that is hig h. If a person credit is poor or good. Is that APR is high? To me they seem like they are a scam. But they could be for real. Is there anyway you can check this loan company out? The name of this loan company is  Onward Credit. That all  information I have. But their phone number is  XXXX . Maybe you can help me with this. I want to know are they for real or a scam. Thank you
Product: Checking or savings account

I opened a bank a Schwab online checking and they closed my account, actually XXXX XXXX XXXX and any other bank account that I apply for declines my application and they blame it on information that XXXX has for me. When I obtained my report from XXXX  there is nothing on it, it simply says a few places that obtain the report in the last year. I contacted XXXX XXXX on XX/XX/2021 and spoke with a foreign sounding person who I specifically told not to put my phone number on their database and when I got the report it was their anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Adjust immediately the following inaccurate information that are hurting my credit XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have a few questions for investigation # XXXX : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Credit Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally inform you that Experian failed to update my information following a legal name change, which has resulted in my credit score being completely absent.

I legally changed my name in XX/XX/XXXX. My name change was approved in XX/XX/XXXX. Following this change, I promptly informed Experian and provided all necessary legal documentation to support the update, including my court order, new identification documents, and any other required paperwork. I have updated my social security card and driver 's license. My name was updated on my credit cards and student loans. In XX/XX/XXXX, I contacted Experian to update my information on their website. Since changing my name, my credit score has disappeared on Experian. I have not had a FICO score for approximately six months. Before changing my name, I had a FICO score and credit history for over five years.

I have been relentless in my efforts to resolve this issue. I have called Experian multiple times, but I was only advised to send letters with copies of my court order name change, social security card, and driver 's license. I have diligently followed these instructions, sending multiple letters since XX/XX/XXXX. I have even gone the extra mile, faxing documents to Experian in the hope that they would update my information and restore my credit score. In XX/XX/XXXX, an Experian employee assured me the issue would be resolved, but I have yet to hear back. 

Despite my efforts, Experian has not updated my credit report to reflect my new legal name. This issue has caused significant difficulties, including the loss of my credit score, which has impacted my ability to obtain credit and conduct other financial activities.

I have attempted to resolve this matter directly with Experian multiple times, but my efforts have been unsuccessful. Each time I contact their customer service, I am assured that the issue will be resolved, but no action has been taken to correct my information. I have also submitted disputes through Experian 's online dispute center. Experian 's dispute results display my current legal name, but the information is yet to be updated on their website.

Experian 's failure to update my credit information violates my rights under the Fair Credit Reporting Act ( FCRA ). As you know, the FCRA requires credit reporting agencies to maintain accurate and complete information.

I request the Consumer Financial Protection Bureau 's assistance in resolving this matter. I seek the following remedies : An immediate update of my credit report is needed to reflect my new legal name.

Restoration of my credit score based on my accurate credit history.

Assurance that this issue will not affect my future credit applications and financial activities.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure that Experian complies with its obligations under the law and rectifies this situation promptly.
Product: Debt collection

Received a letter on XX/XX/XXXX from Mitchell D. Bluhm & Associates , LLC XXXX original creditor Florida XXXX ) for {$590.00} with a date of service of XX/XX/XXXX. The letter states that my Florida XXXX account was acquired by XXXX XXXX XXXX and placed with the law firm for collection. The balance they're saying I owe is grossly and disgustingly overstated and incorrect. I will be requesting debt validation, however I refuse to pay an inflated amount. I am also skeptical about paying any money to a " law firm '' that has no website and is not XXXX  accredited. This sounds like a debt collection scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention
Product: Credit card or prepaid card

Citi bank sent me a new credit card without my permission, and that card was stolen and I was charged {$5000.00}. I asked Citi many times to cancel my card which they did not do, and Citi took money out of my checkings account to pay for these charges, and they are refusing to refund the money.
Product: Credit reporting or other personal consumer reports

Following significant data breaches, including those by XXXX XXXX XXXX and XXXX, my personal information was exposed, leading to identity theft. Starting in XX/XX/year>, my credit report was impacted by several unauthorized inquiries and the opening of a business account, which I did not consent to. Entities such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX  were involved, and an unauthorized business line of credit was charged off as bad debt with a balance of {$650.00} by XX/XX/year>. 

I have already supplied Transunion with the proper documentation!! They are using this unable to locate credit report-dispute request as a tactic to slow this process and I am not going for it at all. 

All of the complaints has been forwarded to the federal lawyers for review. 


I have submitted disputes to all major credit bureausTransUnion, XXXX, and XXXX while the other bureaus have removed the unauthorized information, TransUnion has failed to conduct a thorough investigation. This ongoing delay has forced me to contact the XXXX XXXX XXXX and pursue legal action under the Fair Credit Reporting Act ( FCRA ). Per the FCRA, as outlined in the provided attachment, TransUnion is required to remove or correct unverifiable information, which has yet to happen despite several attempts to resolve the issue. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), consumers have several key rights to ensure the accuracy, fairness, and privacy of their credit information. Specifically, this law mandates that : Credit reporting agencies must investigate disputes regarding inaccurate or incomplete information on a consumers credit report. They are typically required to resolve such disputes within 30 days. 
Inaccurate, incomplete, or unverifiable information must be corrected or deleted from the consumers credit report. If the information can not be verified within the legally required timeframe, it must be removed. 
Consumers have the right to know what is in their file and can request a free credit report once every 12 months from each of the major credit bureaus. 
Consumers must be informed if information in their credit file is used against them in applications for credit, employment, or insurance. 
Consumers have the right to take legal action against credit reporting agencies or creditors that violate the FCRA, including seeking damages for violations. 

In my case, TransUnion has failed to properly investigate and resolve multiple disputes regarding unauthorized accounts and inquiries on my credit report. Despite providing all required documentation and initiating disputes, these inaccuracies have not been corrected, in violation of FCRA ( 15 U.S.C. 1681 ). Therefore, I am now pursuing legal action to protect my rights and restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of inaccurate and incomplete information related to credit report. I am not disputing this account ; rather, I assert that its presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e.

Furthermore, I would like to bring to your attention the case of Younger v. Experian Information Solutions , Inc., where the court addressed similar violations of the FCRA by Experian. In this case, the plaintiff was awarded damages due to Experian 's failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.
Product: Bank account or service

Santander Bank began to offer an account called extra20 Checking in XXXX XXXX. Santander Bank heavily advertised this product as " not a promotion '' and made implicit and explicit guarantees that if you opened an account, you would have it forever. I was one of many people who chose to switch to Santander because of these promises - it is not an easy task to switch bank accounts, but the bonus made it worth the switch, despite being an otherwise inferior bank. In XXXX XXXX, Santander decided that they were no longer going to offer this product, which is completely in their right. In XXXX XXXX, Santander decided to move every existing customer out of their extra20 Checking product and into a different product that does not pay the monthly bonus that they had guaranteed. I believe that what Santander did was bait-and-switch at best and criminally deceptive at worst. As an example of this, I was able to locate one of their advertisements stating how much you would earn in 5 years with this account - this would be impossible considering the longest that anyone could have stayed in the account is less than 3 years.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX  I called Equifax to unfreeze my credit. I logged in but was immediately told that I would have to talk to customer service. I called the number given and was put through a series of questions by an automated system to verify my identity. The automated message told me I could unfreeze my credit online. I was never given that opportunity. After answering all of the questions correctly, I was told my identity couldn't be verified. If that's the case, why are they asking questions that can't verify my identity? 
I then waited on the line for ten minutes to speak to a live person. Again, a series of questions which I answered correctly. A link was sent to my phone. I was told to take a picture of my driver license, then a selfie. Are they kidding?? I refused and was told that this was OK. I had to answer more question. My identity was finally verified. This whole process took my over 35 minutes. 
Prior to calling Eqifax, I was able to unfreeze my XXXX and XXXX XXXX online IN MERE SECONDS. 
I understand the need for verifying identity, but Equifax 's process is tantamount to torture.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is i HAVE repeatedly asked for proof of claim or documentation for the alleged accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OH, allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  is held liable as well for defamation and in the state of OH a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX XXXX XXXX ( XXXX.XXXX-XXXX XXXX XXXX XXXX. ) citingXXXX v. XXXX XXXX XXXX XXXX ( XXXX.XXXX-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. 
I expect this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Mortgage

On  XX/XX/XXXX  Bank of America, N.A., sent me a letter stating, after being offered a Trial Period Plan or modification, you notified us that you did n't wish to accept or complete the offer. Absolutely, because Bank of America, N.A., and   XXXX   XXXX   attempted to persuade me into signing 40 more years on to a condominium that is severely underwater, costing me over {$120000.00} onto an existing mortgage. Not limited to overcharging me more than what the State of Illinois require for the escrow of taxes. I have requested in writing for Bank of American, N.A. to stop inquiring concerning my credit worthiness. Bank of America, N.A., in not in compliance with the fair credit reporting act and has thus far violated my fair credit rights according to the FCRA. Bank of America, N.A., was discharged in bankruptcy in  XXXX . Bank of America, has pulled over   XXXX   XXXX   inquiries concerning my credit history. After I repeatedly stating verbally and in writing I was not interested in the   XXXX   XXXX   Standard Modification Program Trial Period Plan. Yet I continue to be harassed by Bank of America, N.A., employees. This is against the FCRA and needs to thoroughly investigated.   XXXX   XXXX    Home Loan Team of Bank of America, N.A. is the latest employee who inquired about my credit. I made it perfectly clear, to Bank of America, N.A, to stop looking into my credit. I never applied for a loan or a refinance with Bank of America. I made a decision that I was not going to work with Bank of America, sent this in writing in  XXXX  and in  XX/XX/XXXX . I continue to be harassed by Bank of America, N.A., Bank of America, N.A., continues to violate the FCRA and credit worthiness by continuing to inquiry about my credit worthiness. After making my decision to work with Bank of America, N.A. and to remove their inquiries. My request have been ignored and Bank of America, N.A., continues to harass me by consistently pulling inquiries. Please investigate this matter thoroughly