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

This inquiries and two addresses are not mine please investigate and send proof on how these inquiries and addresses are mine I have upload ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a lot of inaccuracies, the date of last payment is missing in XXXX and XXXX. Please delete this inaccurate report.
Product: Credit card

Bank of America makes it impossible to go on autopay. I am on auto pay for all my credit cards except this one I couldnt figure out. I read directions and buttons that they say are there in the directions arent there for me. I tried calling and still couldnt figure it out and they refused to do it over the phone. I ended up missing a payment so I called and told them I wanted to pay my entire card and CLOSE the account and I never wanted to hear from them again. The following month I get an email saying I had to pay my card. I thought it was a mistake since I paid and closed my card. The next month I get another email. I go on the app and theres nothing there. Looks like a closed case. Third month ( XXXX ) I get an email saying my credit score went down XXXX points because of {$30.00} from Bank of America!! Are you kidding! I called them and they said it was interest that was put on AFTER I CLOSED MY CARD! This is ridiculous. They refused to do anything for me. I paid and told them Im reporting them and I dont ever want to be contacted again. Well, last night or this morning technically I get an email from Bank of America at XXXX about my fico score! I actually got a law suit email from XXXX I think if people ever received emails in the middle of the night. This company is insane. They make it difficult for people to use autopay to generate fees. I should not have to pay a fee after I paid my balance. This company is a scam
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITEMS WAS DELATED FROM MY CREDIT REPORT HOWEVER THE ITEMS IS STILL SHOWING ON MY CREDIT REPORT AFTER RECEIVING NOTICE FROM EXPERIAN THE ITEMS IS REMOVED
Product: Mortgage

I am losing my home I am trying to get a loan modification but Ditech say they are not getting my paper work I have faxed them every thing they said that they needed this has been going on for two months this company is not trying to work with me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/25 **Experian Information Solutions , IncXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Whom It May Concern, ** I am writing to formally dispute inaccurate information appearing on my Experian credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable reinvestigation of any disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns about Experians failure to conduct proper investigations. In a lawsuit filed against Experian, the CFPB alleges that Experian engaged in sham investigations, violating consumer protection laws and failing to meet its obligations under the FCRA.

As per **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within **30 days**. Furthermore, under **15 U.S.C. 1681i ( a ) ( 5 ) **, any information found to be inaccurate, incomplete, or unverifiable must be **promptly corrected or deleted**. Failure to adhere to these legal requirements constitutes a violation of federal law.

I hereby request that Experian : 1. **Conduct a thorough reinvestigation** of the following disputed accounts or items : - [ List each disputed account or item here, along with a brief explanation of why its inaccurate or unverifiable. ] 2. **Provide me with all documentation** used to verify the accuracy of the disputed information.

3. **Correct or delete any information** that is inaccurate, incomplete, or unverifiable as required by law.

Additionally, I request a **written statement** detailing the outcome of your reinvestigation, including the specific steps taken to verify each disputed item and any corrections made to my credit report. If any disputed information ** can not ** be verified, it must be removed from my credit file in accordance with **15 U.S.C. 1681i ( a ) ( 5 ) **.

Please be advised that failure to comply with these obligations may result in further actions, including filing additional complaints with the CFPB or FTC and/or seeking legal counsel. I trust that Experian will fulfill its responsibility under the FCRA to ensure the accuracy and integrity of consumer credit reports. 

Thank you for your prompt attention to this matter. I look forward to your timely response within the XXXX period mandated by law. 

Sincerely, XXXX XXXX **Attachments ( if applicable ) : ** - Copies of dispute letters or supporting documentation - Any prior correspondence with Experian
Product: Vehicle loan or lease

On XX/XX/XXXX, I applied for a car loan at Navy Federal Credit Union. I'm an XXXX XXXX XXXX XXXX and have been a member of the credit union since XXXX. I decided to apply for a used car loan based on the advertised rate for a 72-month loan which was 6.09 %. Navy Federal approved my loan with an interest rate considerably higher than the advertised rate. The rate that I was approved for was 8.09 %. Please note that the car I'm purchasing is a XXXX XXXX XXXX, with XXXX miles. The dealer invoice for the car, including taxes and fees totaled {$32000.00}, with my total downpayment of {$10000.00}, leaving a loan amount of {$22000.00}. In sum, I was surprised that Navy 's rate was much higher than the rate I received from a smaller credit union located within the DC market. According to a letter that I received from Navy Federal on XX/XX/XXXX, my XXXX XXXX XXXX XXXX is XXXX ; I have no delinquent or derogatory credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In XXXX 2024 I received a statement from XXXX XXXX XXXX I have never been to a XXXX or heard of XXXX. When I reached out to the company they said someone applied for a line of credit and charged $ XXXX on XX/XX/year>2024. I told them that this was fraud and to close the account. The company closed the account immediately and began a fraud investigation. On XX/XX/XXXX I had a credit alert and this had hit my credit negatively. I called the company and asked for the judgment and they said they found me guilty. I asked why, for more info., told them this was not me etc. They failed to give me much information and told me I needed to hire a lawyer or file a police report. I proceeded to call all of the credit bureaus today, filed a formal police report, and called the company several times requesting information. The individual who opened an account under my name is using my maiden name with my current address and drivers license number. The company is investigating the claim again, but the man I spoke to this morning did not sound hopeful. I will escalate this to an attorney if needed and I am shocked that they have not called me or updated me on this. I found out by a credit alert. XXXXXXXX XXXX is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00}, and XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID-19 pandemic I missed 3 payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also XXXX XXXX XXXX XXXX and missed work.
Product: Debt collection

Midland Credit Management has outrageously ignored my validation requests for an alleged debt that they say I owe. They have NOT sent me any of the information that I have requested so that I may look it over front and back and verify it as correct/incorrect, mine or not mine. Instead, they simply sent a COPY of a bill as well a two delay/avoidance letters saying they do not understand the nature of the dispute and they need me to send them documents! I do NOT have any documents hence the reason I am asking THEM for validation of what they claim I owe them.They need to show me the documents that I have requested. All along they are continuing to report this to all XXXX credit bureaus and in their letters, they state that they are attempting to collect a debt ... which both violate FDCPA section 809.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. -15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile. -15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years. - 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ACCOUNTS ( XXXX XXXX XXXX inaccurately Delinquent late information was never late ) ( XXXX XXXX XXXX, Reporting Incorrectly This account was paid in full never late )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Product: Debt collection

I received a call from a person called XXXX XXXX from Oracle saying that there is a matter with XXXX County regarding some serious allegations involving my social and date of birth. They need to hear from me or my legal representation immediately and failure to do so may result in further action with or without my consent and may also involve references I placed on file and may forfeit my right to speak on my behalf. I called this person and he told me that it was a debt that I had with Indigo credit card for {$580.00} and that they were suing if I did not pay immediately. They had my old address but my correct email and I asked for them to send me a letter in the email so that I can see how I canopy and he refused to do so and spoke to me in a very nasty and threatening way and hung up on. I contacted XXXX directly they told me the account had been charged off and that they could not update my address and told me that they would contact a manager at Oracle. I spoke to another person that was also very nasty and also refused to send me anything if I wasn't paying today. Telling me that it wasn't how I wanted to pay but how they needed me to pay. What is this? I have not committed any crime. I am not refusing to pay but I do not need to be treated this way.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding CBNA Card/Best Buy Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against CBNA Card/Best buy for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$3600.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-off with balances, causing severe harm to my credit report. 

To address this matter, I provided CBNA Card/ Best buy with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that CBNA Card/ Best Buy : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with CBNA Card/ Best Buy Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I was contacted by Ameritech Financial and fell for their scam. In the beginning everything seemed very legitimate, but I recently received a letter in the mail from the FTC about a law suit against Ameritech. I looked into my account further and I realized they were only paying the bare minimum payments toward my account and keeping the remainder of my payments. They also said that after so many months my payments would go down and they never did. I called to cancel my payments, but the company has had so many complaints they can't get to my service request. I contacted my bank provider to cancel all payments to this company, but I am worried about how much information they have of mine.
Product: Student loan

I am filing a complaint against my student loan creditor ( XXXX XXXX ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me XXXX student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.
Product: Mortgage

I tried to obtain a home loan through PHH and was quoted a rate of 4 % and at loan signingI was given a rate of 5 % - my loan officer did not tell me why and left to go on vacationfor 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

Dear XXXX I XXXX XXXX have written this letter to dispute claims that are falsley listed on my credit report with your bureau. The following hard inquiries should not be in on my credit report. 
XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing these claims due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that they removed immediately.
Product: Debt collection

I 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ...