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

I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Incorrect Personal Information : Also Known As : XXXX, XXXX XXXX Incorrect Address History : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Employer History : XXXX ( XXXX ) XXXX XXXX ( XXXX ) Fraudulent Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) - Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) - Opened : XX/XX/XXXX XXXX XXXX XXXX  - Opened : XX/XX/XXXX XXXXXXXX XXXX - Opened : XX/XX/XXXX XXXX - Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX - Opened : XX/XX/XXXX XXXX XXXX - Opened : XX/XX/XXXX XXXX XXXX - Opened : XX/XX/XXXX XXXX  XXXX - Opened : XX/XX/XXXX Department of Education ( XXXX ) - Opened : XX/XX/XXXX Department of Education ( XXXX ) - Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Card - XX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. 
Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o.

Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Debt collection

TRS recovery services, INC. sent XXXX separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.
Product: Credit reporting or other personal consumer reports

There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 XXXX Account name is XXXX # XXXX and XXXX XXXX XXXX XXXX # AND XXXX XXXXXXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/2024 and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified information.
Product: Credit card or prepaid card

I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers,
Product: Credit reporting, credit repair services, or other personal consumer reports

on " XX/XX/22 '' I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you are causing me.
Product: Mortgage

I am continually having issues with my loan servicer, Rushmore Loan Mgmt Svs, but this issue is especially hard to swallow because it could have been prevented by them. They refuse to accept they made a mistake. I recd. a XXXX loan in XXXX of XXXX to pay the arrears balance and bring me current. When in the Mediation mtg., it was brought to Rushmore 's attention that I would most likely be approved for this loan and once I was notified, I would need an accurate figure to bring my acct. current. Once I was approved, XXXX notified Rushmore and Rushmore then quoted them the figure of just over {$27000.00}. The money was received as promised and to me like a XXXX mortgage. Not payable for 30 years or if I sold my home and " 0 % '' interest. The money arrived and credited to my acct. XX/XX/XXXX. My first payment being current was due XXXX XXXX, XXXX and every month thereafter. Not 2 weeks later I recd. a letter in the mail from Rushmore saying my escrow acct. was approx. {$2000.00} short and that my monthly mortgage payment would increase on XXXX XXXX, XXXX by approx. {$150.00} a month for a year or something. I have the exact figures but to tell you the truth, I was so angry that I pretty much just stopped breathing. I do n't remember much else that day. If I had a shortage in my escrow, why was n't that shortage or projected shortage included in the reinstatement figure they quoted XXXX. I had up to {$30000.00} I qualified for but I used the figure Rushmore quoted them and got the loan for just over {$27000.00}. They claim they do n't do escrow analysis 's on delinquent loans so as soon as I got current, they did the analysis and determined that would be the shortage. I know for a fact that my insurance and property taxes did not go up more than {$30.00} for the next year so where they came up with that {$2000.00} figure is beyond me and regardless, any shortage could and should have been included in the reinstatement figure, If I make a mortgage payment that includes escrow, they should have included that into their calculations. They refused to do another analysis after leading me on for 3 months and when XX/XX/XXXX came, I could not make the new mortgage payment with the increase. I pretty much lost it. I got a forensic review of my loan and found out its been securitized and I 've tried to talk to them about this but they refuse to do anything about it and continue to claim I 'm delinquent and wont reverse the additional monies they want each month. I ca n't even get into my acct. on line because they lock out all delinquent accts. I recently receive3d a letter of default at my house so now I 'm facing foreclosure and if I 'm forced out, that XXXX loan will become due and I have no way to pay that {$27000.00} off now. It 's just wrong that they can do this to people. I 'm sick of it and it needs to stop. How many complaints do you need to get on a company before they are shut down. I want to stay in my home and I want them to make this right.
Product: Credit card

I got airline ticket from travel agency. It was round trip ticket and my flight is on XXXX XXXX 2016 from XXXX to XXXX XXXX XXXX XXXX. I requested to change my routing because of Clashes between XXXX And XXXX Government and 20 days ago the XXXX XXXX was shut down for three days and lot of passengers was stuck at airport. Now still in XXXX has 3 months Emergency Declared. I do n't want to use XXXX XXXX. I request to agency for rerouting my trip but they are not agree. And also they are not giving me half refund. 
I called my credit card company to dispute this charge and credit card company open dispute charge but did n't get my money. Now citi castco credit card company tell me that i should get my money on any other ways because they will not help me to resolve this issue. My request is reasonable because why should i go by XXXX XXXX route if there has some problems. I m so upset about the policey of citicastco credit card company. 
If you neend any other information about this issue please let me know and i will try to provide you. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORT I NOTICES ACCOUNTS THAT WERE NOT MINE.
Product: Credit reporting or other personal consumer reports

The company has inaccurately reported late payments on my account to the credit bureaus. This reporting is entirely false, as every payment was made on time and directly from my bank account without issue. The negative mark is damaging my credit profile and is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. 

On XX/XX/year> and XX/XX/year>, I contacted the company to dispute the incorrect information and requested that they immediately correct the error. Despite providing evidence that my payments were never late, the company has refused to remove the inaccurate information, instead claiming that their reporting is accurate. 

This inaction on their part is unacceptable and has left me with no choice but to take legal action. I intend to file a lawsuit for false reporting and negligence if the issue is not resolved promptly. Additionally, I will seek damages for the harm caused to my credit standing due to their non-compliance with the FCRA. 

I am requesting immediate action to remove the false information from my credit report and confirmation of the correction.
Product: Checking or savings account

American Express has continued to harass me, they check stalk my XXXX XXXX account, how do I know cause it says checked by Amex, they wrongfully charged my account a fee XXXXmonths ago or so and now XXXXmonths later they told me it was an error and issued me {$4.00}, I told American Express customer service to stop sending me letters but they have refused, Amex did not help me as a customer to fight fraudulent charges on my account, that have always been messing with my money, I believe Amex is the worst company to bank with.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB : This is not a duplicate complaint. I am requesting documented proof of the credit bureaus findings and also attached another document that for some reason keeps getting deleted for a threat, so I saved it in a different file. 
Subject : Formal Request for Proof of Investigation and Compliance with FCRA I am writing to formally request proof of your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the disputed information on my credit report. I have previously disputed the inaccurate reporting of [ specific accounts, e.g., XXXX XXXX XXXX XXXX Account XXXX. ending XXXX, and XXXX XXXX XXXX, Account XXXX. ending XXXX ], as these accounts were settled before any charge-offs were applied. Despite providing clear proof of settlement, the inaccuracies persist. 

As you are aware, under the FCRA, credit bureaus are required to : Conduct a reasonable investigation of disputes submitted by consumers ( 611 of the FCRA ).

Notify the data furnisher and request an investigation within five business days of receiving the dispute. 
Update or delete any inaccurate or unverifiable information within 30 days of receiving a dispute ( 623 of the FCRA ). 
I am concerned that your organization has failed to conduct a thorough investigation and failed to ensure accurate reporting, as evidenced by the continued presence of the disputed information. Furthermore, I am aware of recent legal actions, such as those initiated by the Consumer Financial Protection Bureau ( CFPB ), which highlight concerns regarding compliance with these legal obligations. 
I am beyond frustrated with the lack of professionalism and response. I have been told by XXXX that my dispures are frivilous and the other credit bureause just keep qouting the same script. So now I want proof. I am persistent and will sue!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding inaccuracies and outdated information on my credit report. After reviewing my credit report from, I have identified several discrepancies, including old addresses that are no longer associated with me.

Specifically, I have noticed that my credit report contains outdated addresses that I have not lived at for several years. Additionally, there are inaccuracies in the reported account information that do not reflect my current financial status accurately.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have previously submitted a request to XXXX, Equifax, and XXXX to have these inaccuracies corrected and the outdated addresses removed from my credit report. However, despite my efforts, these errors persist, which has raised concerns regarding the accuracy and integrity of my credit profile. 

As these inaccuracies can have significant implications for my financial well-being and creditworthiness, I kindly request the assistance of the Consumer Financial Protection Bureau in addressing this matter. I am seeking your intervention to ensure that the credit reporting agencies comply with their obligations under the FCRA to maintain accurate and up-to-date consumer information.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

hi, i submitted disputes for personal info on XX/XX/2020 also letters for a 60 day no response XXXX XXXX XXXX  and disputes for collections XXXX XXXX XXXX  with no response.
Product: Checking or savings account

I was watching my balance everytime i made withdrawals. I can see the pending and cleared charges. However, the system of the Citibank is not reflective of any incoming charges. There is enough money to cover everything then suddenly i was charged {$10.00} for using an ATM when I made withdrawals which I thin is an outraged! For two withdrawals i was charged {$10.00} and this did not show and does let you know when they are going to charged it. I was expecting a XXXX dollar fee or less like before but {$10.00} for two transactions is outrageous. Then the monthly fee of {$12.00} kicks it. However in their system they made it appear that my {$10.00} XXXX  transaction is the one that causes the {$34.00} insufficient funds fee. I had that transaction several days before i made the withdrawals. I know I have enough funds to cover those and will still be let with possibly XXXX dollar on my account. I THINK THIS IS NOT RIGHT THAT I WAS CHARGED {$34.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX CRA ( Equifax, XXXX, XXXX ) According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( **the company reporting the late payment** ) and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. These account are XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX.