23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to express my deep frustration and concern regarding inaccurate information on my credit report, which has caused significant hardship and emotional distress. Despite my best efforts to address these errors with the credit bureaus and the creditor ( s ) involved, the situation remains unresolved, leaving me in a difficult financial position.

I recently reviewed my credit report and discovered that theres at least 18 INACCURATE These errors are both unjust and harmful. I immediately contacted the credit bureaus to dispute the inaccuracies and provided supporting documentation, but the errors persist.

These inaccuracies have caused the following harm : Financial Setbacks : My credit score has been unfairly impacted, causing denials of credit applications and increased financial strain. 
Emotional Distress : The inability to resolve this matter has been overwhelming and has undermined my confidence in the credit reporting process. 
Higher Costs : I have faced higher interest rates and unfavorable terms on financial products as a result of the errors. 

The FOLLOWING reporting derogatory allegations of are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or NOTCOMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated IMMEDIATELY.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate, complete, and verifiable information on my credit report. The ongoing presence of these inaccuracies demonstrates a failure by both the credit bureaus and the creditor ( s ) to comply with these legal requirements. 

Actions Taken : MUTIPLE DISPUTES WITH CRAs, Requested the creditors to investigate & provide VALIDATION OF DEBT. I haven't received any validation of these negative remarks that's on my credit report.

PLEASE CHECK ALL THE ATTACHMENTS BELOW
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX  # XXXX XX/XX/XXXX -- {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$880.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$880.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$710.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$550.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$880.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$870.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$870.00} XXXX WFC # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$710.00} XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax SPC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX GLOBAL LENDING SERVICE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to Equifax. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the pieces of information were erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6100.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Debt collection

On XX/XX/2018 when i pulled my credit reports, i noticed a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. reporting an amount : { {$750.00} } owed. I do not recall this company. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. Security Credit Services never sent a letter to me allowing me to dispute the debt in  question. In addition, this account was placed on my credit reports past the statue of limitations, per information on my credit reports. I have disputed this account with the collections bureau only to have it on my credit report as verified.On XX/XX/2018, I sent a debt validation request to security credit services. I requested security credit services to provide me with information regarding how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc. I did not receive any response. The account was then marked as verified with all three credit bureaus. I then sent a second debt validation request on XX/XX/2018 to security credit services, and have yet to receive any information regarding this account While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Again, I have not receive a clarification on this debt. I have recently pulled my credit report to only see this same account listed, and updated. I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. I am requesting the creditor to remove this account from my credit reports ASAP
Product: Credit card or prepaid card

The credit card company is displaying the full 16-digit credit card number on my credit card statement. This makes my card vulnerable and opens up security and identity theft issues.
Product: Mortgage

Ocwen Loan servicings lawyer went before a judge in NJ and lyed to the court about the documentation that they had to prove they owned the mortgage. The judge would not even listen to my case, but let Ocwen give the defendants financial documents that the defense has been asking for 6 years. The documents prove predatory lending by charging over 12 % to re-finance this loan, a year later than the other XXXX loan.No closing date, no one except notary at closing, where did we close, who closed the loan.When you read the other documents supplied by the plaintiff, they prove that XXXX XXXX illegally signed that she certified the paperwork in XXXX to assign the loan from XXXX to XXXX bank national trust bundles who just settled a XXXX XXXX dollar settlement in XXXX XXXX for misleading investors and consumers like myself and have not taken a settlement. I know that we are or were eligible for at least 7 class action lawsuits that the defendants have been associated with and we did not join.We ask for 3 x the original finance charge of XXXX for predatory lending. We also ask XXXX XXXX for pain and suffering for all the lies and suffering this illegal act has brought us. The plaintiffs had to know the mortgage papers were at the least illegal and unenforceable, yet continued to ly to the court and the defendants and only supplied the evidence when they had to.
Product: Credit reporting or other personal consumer reports

file dispute using Experian and XXXX. My identity was also compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. TransUnion is reporting an account with XXXX XXXX on my credit report. While the burden of proof lies with XXXX XXXX XXXX TransUnion, I have issued an Affadavit of Fact & Identity Theft report ( attached ) of which neither XXXX XXXX  nor TransUnion have provided rebuttal. If TransUnion maintains my Affadavit of Fact & Identity Theft report are fraudulent, I have provided an Affadavit of Fact in rebuttal ( attached ) to be signed by TransUnion.
Product: Credit reporting or other personal consumer reports

From XX/XX/year> to XX/XX/year> Transunion dropped my score XXXX points, although they confirmed there had been no changes in my credit history. 

Transunion advised they were escalating this request to be resolved within XXXX hours and provided a confirmation number of XXXX on Friday, XX/XX/year>. 

I called back on Monday XX/XX/year> and spoke with XXXX XXXX in the special handling department of TransUnion and he advised the confirmation number I provided was not valid and there was nothing to research or resolve. It was again confirmed there were no changes to my credit history. 

Therefore if all the above is true then Transunion can change your score at will, without any credit changes, and the consumer has no recourse.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) 010> to in de qualo customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX untair an deceptive, as they did nod 2 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I listed my truck for sale and a gentleman in Kentucky answered my ad and said he would like to purchase my truck he said he was going to send me a certified cashier 's check which he did and the amount of XXXX XXXXXXXX I deposited that check into my bank and the teller told me it usually takes two business days to clear so it should be posted to your account by Tuesday I deposit it on Thursday evening. 
This morning Wednesday XX/XX/XXXX I get a notification that my bank is overdrawn by XXXX because yesterday Tuesday I saw it had cleared and I paid a couple of bills off When I contacted the buyer they sent me this check he stopped responding to me and said I was a liar I contacted the company on the check they said I was the third or fourth person that had contacted them and they advised me that these are fraudulent checks and they refused to pay them now I'm going to be liable for over XXXX} negative on my checking account I'm just a single lady I can't do this I don't know what else to do I've never been scammed like this
Product: Payday loan, title loan, or personal loan

I took out a payday loan of {$600.00} in   XXXX  . I have paid this company on time each month, and I have paid them, according to my records, {$4300.00} total. I called to try and get the date of withdrawal changed and they said that because they had already done that twice for me they would not help anymore. My young daughter is currently at   XXXX   XXXX   XXXX   XXXX   because of  XXXX   XXXX  and complications from it. We have spent thousands of dollars in medical bills alone.   I looked at my loan contract to see how to stop the ACH withdrawal because right now we are a t zero and  wo n't get paid again for another week. Nowhere on the contract does it state how I can stop the ACH withdrawal. That makes the contract invalid according to the law.   I want them to stop the ACH withdrawal altogether but their company refuses to tell me how to do that.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

The information provided during this dispute process was thought to be accurate, under the assumption that your bureau was diligently reporting the theft of my identity. However, it has come to my attention that you are erroneously reporting the fraudulent accounts on the credit report of the victim, perpetuating the damage caused by the identity theft. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Furthermore, I would like to bring to your attention that other credit bureaus were able to confirm the fraudulent nature of these accounts and successfully completed their investigation by removing the fraudulent entries. The stark contrast in the resolution processes among bureaus raises serious concerns about the credibility and reliability of your bureau 's investigation procedures. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough reevaluation of this dispute, with a focus on conducting a valid verification process in compliance with the Fair Credit Reporting Act ( FCRA ). It is imperative that you correct the inaccuracies on my credit report and provide written confirmation of the resolution at the earliest. The continued refusal to rectify this situation is not only a violation of my rights as a consumer under the FCRA but also an egregious oversight that perpetuates the damage caused by identity theft. I insist on your urgent attention to this matter and expect a resolution that reflects the severity of the situation.
Product: Credit reporting or other personal consumer reports

A dispute letter was sent to Experian on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Experian did not provide any validating or verifiable information that I requested. It appears that these dispute investigations were not conducted properly in accordance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Dispute Resolution Department, I am writing to dispute multiple inaccuracies on my credit report and to formally request a proper reinvestigation. I have identified errors related to inaccurate late payment information for XXXX, XXXX, and XXXX, as well as unauthorized or erroneous hard inquiries from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my previous disputes, proper investigations were never conducted, and the inaccuracies persist on my report. 
Furthermore, I do not consent to Experian using the e-OSCAR system for handling my disputes. This automated process has proven inadequate in identifying and correcting errors on my report, as outlined in the CFPB lawsuit ( XXXX XXXX. XXXX ). 

Specifically, the CFPB found that Experian routinely failed to : 1. Conduct reasonable reinvestigations as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

2. Forward all relevant information to furnishers, resulting in incomplete or incorrect dispute resolutions.

3. Properly investigate disputes related to hard inquiries, leaving consumers with inaccurate reports. 
XXXX. Provide clear and accurate results of reinvestigations, often issuing vague or contradictory letters to consumers.

I request that Experian : 1. Conduct a full and proper manual reinvestigation of the disputed items.

2. Provide clear documentation of the results of your reinvestigation, specifying any changes made to my report. 
XXXX. Remove all inaccurate or unverifiable information from my report, including the erroneous hard inquiries listed above. 
I have attached all relevant supporting documentation for your reference. In accordance with the FCRA, I expect your response within 30 days of receiving this letter. Please note that failure to comply with federal regulations may result in further actions, including filing a formal complaint with the CFPB and other regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed accounts from my XXXX and XXXX credit reports. Several accounts have been removed and has reappeared on my credit reports. I am not able to file any disputes with transunion nor am I able to access my transunion credit report which is a violation. My disputes were improperly investigated and not verified. I am requesting the following accounts be removed from all three credit reports again as this has impacted my credit score tremendously and are a violation of 15 USC 1681i ( a ) 30 day response time, 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocols, and 15 USC 1681i ( a ) ( 5 ) B reinsertion protocols. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Bank of America keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Product: Credit card

My XXXX XXXX XXXX XXXX Credit Card was recently changed to a XXXX Card from Barcalycard and I was required to sign a contract with a FORCED ARBITRATION CLAUSE if I wanted the credit card. I sent them a letter asking to opt out and still get the credit card, but never heard back. This violates my rights by blocking me from suing if there 's a dispute. Also, there 's no right of appeal, no public record, no requirement to follow established law. It 's a consumer ripoff! Please stop this and enact rules to end this practice. Thank you. I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I ran my mortgage credit report to qualify for my home loan and my scores for Experian, XXXX XXXX XXXX are reflecting much lower & not as they are reflecting on each bureaus web sites. Misrepresenting my overall credit & causing me to be denied for a FHA 3.5 % or 100 % financing home loan. 

This is unfair to me & my family and needs to be corrected asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX XXXX XXXX XXXX XXXX  credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per Experian. I have not had any success getting through with either Email ( www.experian.com ), or by toll free telephone XXXX. 

I can not make a human connection.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry from Synchrony Bank credit card appears on my XXXX report as made in XX/XX/XXXX. The application for credit was NOT processed, as Synchrony could match my information to my credit report. After a number of phone calls, I was finally able to sort it out with a representative of Synchrony 's Fraud Department ( XXXX, North Carolina location, phone call on XX/XX/XXXX ), who confirmed that the initial processing of my data was done in error. Since by that time my experience with Synchrony showed that the bank 's staff was incompetent and unpleasant, XXXX and I agreed that there would not be further action taken on my application. XXXX also assured me that no inquiry would appear on my credit report. 

In XX/XX/XXXX, I discovered that, contrary to XXXX XXXX assurances, there is a hard inquiry on my credit report. Further discussions with Synchrony Fraud Dept ( phone calls on XX/XX/XXXX, XXXX, then XXXX, account manager ) were unproductive. The bank refuses to to consider the absurdity of claiming, via its official letter, that they couldn't identify me via my SSN and other personal information from my credit report, at the same insisting their placing a hard inquiry on it is a legitimate practice.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I went to a shop to buy a puppy, The lady that was helping me told me that I should apply to my easy pay finance to to pay in installments. so I did and got approved. she told me that I should pay it off in 90 days because if I don't I will get charged in 40 % of interest fees. so I payed all I could which was {$24000.00} and then I only had {$100.00} to pay left. I get called from easy pay and they told me that my card didn't go through and that the 90 days are over and they will now pay me interest and daily it'll go up to {$3.00} daily until its payed off. I tried my hardest to talk to someone higher than them and tried to see what I could do because I was on day 91 and they told me that they couldn't do anything about it. this all happened in the beginning of XXXX and my balanced went from {$100.00} to {$880.00} and as of today my balance is {$920.00}. My interest fee is 179 % and I'm pretty sure that's illegal because if I would've known I would have NEVER continued with easy pay.