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

XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans discharged, removed, and deleted from all of my credit reports. Transunion, XXXX, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing XXXX  to put report information that must be removed due to the settlement. 

I want XXXX, TransUnion, and XXXX to BLOCK all XXXX  accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than XXXX hours after the investigation is complete. 


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

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX CARD SER-Balance $ XXXX-Date Opened : XX/XX/2016 XXXX
Product: Mortgage

Rushmore Loan Management Services assumed our home loan, and charged an Advance Adjust fee or {$76.00} without cause. No reason, just added $ to our principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge.

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. 
XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once. 

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.
Product: Debt collection

Company sent me a collection lette r   XXXX   XXXX   XXXX   a nd when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match.  <P/> When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Ally Financial This is now part of a Chapter XXXX Bankruptcy ( Wage Earner Plan ) ... .They consistenty report this as a collection. My attorney and the Trustee have informed me that this should have been converted to the WEP. Ally has refused to change after multiple attempts thru the cedit bureaus, most recently XXXXn.
Product: Checking or savings account

On XX/XX/20, I contacted BMO Harris Bank via phone to close my checking account that has {$0.00} in it. I was asked to verify my identity, and even though I am 100 % sure I answered all the verification questions correctly, I was told that my identity has to be verified another way. Consequently, I opted to have my identity verified through a text message associated with my phone number. I repeated to the representative the confirmation code I was sent, but again, I was told that I'll have to be verified another way. Now, I'll have to send BMO Harris Bank a copy of a current photo ID that has to be notarized ... .. Seriously, what bank asks for a form of photo ID that has to be notarized. I'm not spending around {$10.00} in order to close a checking account. I demand that my account be closed immediately and sent an apology for having wasted my time because of BMO Harris Bank 's antiquated and ineffective forms of identity verification.
Product: Debt collection

Repeated calls day and night to the point, that I miss important calls, due to receiving nothing but debt collection calls.
Product: Debt collection

I am getting contacted about a debt for ( {$620.00} ) that was bought from Midland Funding onXX/XX/XXXX. I have disputed the debt several times with all of the credit bureaus. The debt was removed from the credit bureaus on XX/XX/XXXX and then readded XX/XX/XXXX. I have no idea why. After several calls to the company to resolve the issue nothing has changed. I have asked for a validation letter to prove that the debt is mine and I have yet to receive anything. I have contacted the company several times to try to settle ( even though I have never acknowledged the debt as being mine ) and was told that they " Midland Funding '' could not send written conformation to me advising that they would remove it from my credit reports even if the debt is paid. I am at my wits end because I am thinking if I wanted to make a payment and be done with it ( even though I do not owe the debt ) at any time I would have to make the payments again since there would be no proof that the original payment was taken.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There is a personal loan on my credit report from XXXX in the amount of {$10000.00} opened XX/XX/year>. 
I have no knowledge of this loan, I have never taken a personal loan in such a high amount. 

Ive recently started checking my credit report for errors a this is an error. 
I opened a dispute with Experian to get this error corrected but Experian ignored my evidence and my statement and within less than 24hours reported back that the account is accurate.

I submitted bank statements as proof that my account never received any such deposit. 

I gave a detailed statement that I never opened that account. 

My fico score isnt high enough to get a {$10000.00} personal loan. 

It seems to me that the investigation ignored all the obvious evidence that this is not my loan account. 

I can also submit bank statements proving that the alleged loan repayments XX/XX/year> never took place. 

Experian knows this to be true since I have had an account on their app since before 2021. Along with my XXXX XXXX account linked to it. 
Any real investigation would have shown what Im saying is true.
Product: Student loan

I have always been on XXXX deferred payments because of my income and I updated and certified each year but in XXXX they put late payments on XXXX XXXX and XXXX I have never had a real payment with fed loan services since I started tell now XXXX I try to call them they dont wan na help me at all they said I never certified which I did
Product: Debt collection

I recently acquired my credit report and discovered that XXXX XXXX XXXX XXXX is reporting a collection account from XXXX and XXXX XXXX to multiple consumer credit reporting agencies. The reports indicate the accounts are from XX/XX/2014 on a card I supposedly didn't pay. I have no record of such even. I have paid all of my bills on all of my credit cards, so I do not know how this account came to be in the negative. I haven't received any information from XXXX to clear this up. I have disputed the information as inaccurate to XXXX, but was informed XXXX has verified it as accurate. When I checked my reports, however, XXXX has re-reported the information recently and is not so much as reporting it " disputed, '' which a consumer rights attorney I know told me would likely violate the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a Personal Statement be added to my report. I submitted this previously but TransUnion Failed to even acknowledge my request. Please add this to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX Credit card and was denied credit because they couldn't verify my identity. 

I applied on XX/XX/2023 and did not get an instant approval. That day I had an XXXX credit score of XXXX. I called them the next day and they told me to wait for a letter from them. It said they needed more information. I got that letter in about 6 days and I called them back and gave them the information they requested. 

They wouldn't give me an approval over the phone and said to wait for a letter 4 days letter a letter arrived and it said I was denied because they couldn't verify my identity. 

At no time did anyone ask me two send them a copy of my identification all the while I had received two letters to my address on file, on my credit report, and what I provided to them. 

I called back and after talking to several people, they said they did their due diligence and I could reapply if I wanted to. My credit was pulled and I have a hard inquiry which they will not remove. I don't believe that Comenity Capital Bank, parent company for this credit card actually was offering credit. 

I have documention from the XXXX Credit Bureau that my credit was pulled and they also pulled identity information. Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.
Product: Mortgage

The consumer has a XXXX XXXX XXXX XXXX XXXX XXXX and is trying to have their escrow payments and withholding adjusted accordingly. 

The lender has been unwilling to work with the consumer to resolve the issue. 

XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX date. 

XX/XX/2018 : The Property Appraiser was emailed the award letter and confirmed receipt via phone. 

XX/XX/2018 : The consumer contacted Loan Depot via phone and was informed that all required actions had been taken by the consumer to ensure an accurate real property bill. The XXXX letter was initially provided to Loan Depot at this time. 

XX/XX/2018 : The consumer contacted Loan Depot via phone to ensure a proper real property bill. 

The consumer emailed the XXXX  XXXX XXXX XXXX letter again because they were informed at this time that the letter was never initially received. The consumer confirmed receipt with Loan Depot via phone. 

XX/XX/2018 : The consumer received a letter stating they required a copy of the tax bill. Loan Depot asked that the real property tax bill be faxed to XXXX, which it was. 

XX/XX/2018 : The consumer called Loan Depot to confirm receipt of the faxed real property tax bill as the lender requested. Fax confirmations were retained. 

When the consumer contacted Loan Depot the employee who only identified himself as, XXXX XXXX informed the consumer the fax was never received and the consumer needed to correct the discrepancy with the county. 

The consumer told the Loan Depot employee that the county officials had informed the consumer differently. The consumer tried to explain the letter received from Loan Depot to the employee but the employee was dismissive and uninterested in his companys correspondence. 

When the consumer asked when the over withholding of escrow overage funds would be returned, the employee stated that they would not be. 

At this time the consumer asked to speak with a supervisor. The employee became hostile and began to verbally assault the consumer. 

The employee refused the consumers request to speak to a supervisor and then hung up on the consumer. 

Enclosed please find the XXXX  XXXX award letter and copies of the emails sent to the property appraiser and Loan Depot. 

The consumer has NEVER been late in paying any of his mortgages.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have met with CHASE representatives in person and over the phone since XX/XX/2022 requesting their leadership with a check for {$6800.00} made out to the XXXX XXXX XXXXXXXX stolen in the mail, falsely endorsed and then cashed by XXXX XXXX who clearly has such poor security protocols in place. Following hours and hours of meetings and communication for the last NINE MONTHS, along with CHASE representatives telling me over and over that I need to give this issue a little time, meaning XXXX days, and being told that CHASE is my representative in solving this issue, I receive without any warning a notification by email and dropped into my portal stating that MY bank has been unable to recover the funds and work with XXXX XXXX to resolve this they have given up and just closed the case. Insulting and unacceptable. 

In calling CHASE, I was told that it is due to a " law '' -- what type of law would not protect consumers and just allow banks to be incompetent, not solve the core problem, and ultimately, allow their customer to be left with few solutions. I should note that I have sent this issue to XXXX XXXX in XX/XX/2022 with no resolution and with no courtesy of a long standing customer receiving the provisional credit while the two banks sort out their issues and ultimately weak systems. This is disgraceful. The impact of this level of incompetencies on regular hardworking families is beyond reason. Please make both of these banks do the right thing.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information with Trans Union, They are reporting names, addresses and phone numbers inaccurately. I reach out to them with the right information with copies of my Drivers license, social security card and a credit card statement.