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

I received an Alert from Experian on XX/XX/year> that my previously frozen account ( for YEARS ) was now ACTIVE. ( I thought that email might be a scam. ) When I went into my account via their website, it was indeed, active. I DID NOT authorize the Unfreeze. I suspected that they may have been hacked since THEY are the reason that I started freezing my accounts due to their data breach years ago. I called the 2 numbers that I could find on their website. Both are automated, can not handle anything beyond their minimal menu. There is NO WAY to reach a " real person '' even though their website indicates otherwise, nor any means to file a complaint or inquiry. I think that is an intentional obstruction on their part. 

I have since put a Freeze on my account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

a number of hard inquiries are on my account that have not been removed, even though I had requested that was done. they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX - Received a letter from my employer with copy of wage garnishment for Portfolio Recovery. 

Ending of XXXX ( Attached to wage garnishment letter ) - Portfolio Recovery filed a lawsuit. I never received any paperwork regarding this lawsuit. 

I have not received any notification from this debt collector nor was I ever provided any explanation or verification of this debt.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted my credit card company regarding a purchase I made XX/XX/XXXX, while on vacation in Tennessee shopping at the XXXX XXXX XXXX. I purchased a package of 3 products from a Kiosk owned by XXXX XXXX. A sales rep, XXXX, approached me to demonstrate the product by applying them to my face and after she reduced the price several times I finally purchased the products for {$380.00}, that price was good for that day only. Her sales pitch was that if you use this product you will not need to have XXXX  XXXX or XXXX. After the purchase the sales rep XXXX, said she would email me the instructions on how to use their products. The sales pitch was all about and XXXX XXXX XXXX, " you don't need XXXX XXXX, this product will take care of the problem. '' When I returned home, I opened my products and read the instructions on the packaging, which was not the same thing the sales rep said when pushing her product. I then checked to see if she had emailed me the instructions on using the product. Upon reading the instructions she stated for " instant XXXX XXXX '', use once a week before going to bed, under your eyes, upper lids and between your eyebrows. Clearly this is not what the instructions said on the packaging. It stated " daily application ''. There are other discrepancies. She claimed the product contained XXXX  and XXXX XXXX, but its not listed as an ingredient. I tried the product and did not see the same results as the product she applied on my eyes at the mall. I followed her instructions applying the " instant eye lift '' at night before bed and had an adverse reaction. Under my eyes were all red and had bumps on them. I feel this sales rep has grossly misrepresented the product she sold me. This is out and out fraud. I contacted my credit card company and filed a dispute on XX/XX/XXXX and  also XX/XX/XXXX. All they did was to come back and say that they contacted the merchant and they stated that as per their records the goods sold are of excellent quality and free of any defects. Of course I did not expect them to say any different, but I feel this sales rep has misrepresented the product she sold me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, XXXX is reporting incorrect date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX SUNTRUST XXXX XXXX  inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX  inquired XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app closed my account for someone taking money off of my cash app than they closed it and I can get my money off they said its nothin they can do plus I gave them my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XXXX/XXXX/2021, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXX  '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

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

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX  XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). Experian failed to properly investigate my disputes regarding inaccuracies in my credit report. Experian failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. Experians practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal Law. 
The Accounts to be Removed below Disputed Accounts/Account inaccuracies : XXXX XXXX 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: Mortgage

I took out a reverse mortgage with XXXX about six years ago when I was having severe financial hardships. They paid off my first mortgage but did n't pay off my back due taxes of about XXXX XXXX dollars. They assigned the mortgage to XXXX Mortgage. I had a repayment agreement with them. Then XXXX bought the mortgage again and Reverse Mortgage Solutions became the new service provider. From the start they seemed to want to foreclose and not give me a new repayment agreement citing FHA rules. In the meantime, after getting my reverse mortgage, I was forced to file Chapter XXXX bankruptcy and was discharged. After much trouble I was given a new repayment plan by them that did not state that any further tax payments would void the agreement. I told them that I could pay them every month until my financial condition improved. They sent back my third payment back because they paid the 2015 taxes. They have now started the foreclosure process again.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX all have XXXXXXXX XXXX account # XXXX listed with inaccurate information, wrong and different dates opened, incorrect balance, incorrect terms, and incorrect last reported date. All 3 list an inaccurate date last active and date of last payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian
Product: Debt collection

I was checking my credit score and I discovered that I have to credit under the name of " RS Clark & Associates '' ( see picture attache ). 
I never have been aware or notified about that. 
So I contacted them through their website and they answered with a website called " XXXX '' and they asked me to call them. Like that they can ask me questions but unfortunately I have hearing issue on the phone so I asked them to ask me their questions in the email and I will be glad to answer. 

No more answer since, but in " XXXX '' I found one Email address, so I tried again to contact, but still nothing.
Product: Credit card or prepaid card

USAA Credit Card services has not been following the law on applying payments in excess of the minimum due on the credit card to the amount with the highest interest first. Instead, USAA applies the excess payment to the lowest interest first and then to the highest interest. I have been in contact with USAA about this and they continue to apply excess payments to the lowest interest portion first in order to illegally generate more interests from the and other unsuspecting XXXX and XXXX XXXX personnel.
Product: Credit card

The item has still not been shipped let alone delivered. Even when I call now almost a year later they tell me the item will be ready to ship in XXXX weeks or by the end of the month. They have been doing that every single time we call for the past year and it's getting frustrating and I just want my money back. When I called the supplier for the item they said the item is in stock and no orders have been made by XXXX for this item in the past year. They scammed me out for the money and never shipped the product. The order number is XXXX. If you call ( XXXX ) XXXX and give them the order number and the name XXXX they will tell them the exact same thing. The item hasn't shipped over a year and it's always the same thing. Also I have a recording of the call I want to send to them so you can hear my latest conversation with them. They had told me the item would ship at the end of XXXX but still a month later I got nothing. At this point I just want my money back and for this to be over. Please do the research and rethink the decision. I have all the information you need please feel free to contact me for more information. I have proof they never sent the item and are still telling to keep waiting for the past year. If you look at the company reviews, which I wish I did, there are many people who are in the same situation as me and it's been many months and still not even an update on delivery. I have pictures of these reviews and will happily send them if you need it. My next step was to contact XXXX to see if they can help me with a dispute and file a chargeback. Even though I have all the evidence they need to resolve the case and get my money back they claim nothing can be done because its been too long. I have been trying to send them recordings of the calls and additional information as well to no avail. XXXX refuses to help and insists I pay off the amount charge.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Reliable Credit Association Inc. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : XXXX Reliable Credit Association We are writing to dispute a charge off on our credit reports, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Reliable Credit, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been received and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In our case, a Form 1099-C was provided to us and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on our credit report is inaccurate and should be removed immediately. 

I request that Reliable Credit Association Inc delete the inaccurate charge off from our credit reports as required by the Fair Credit Reporting Act ( FCRA ). Please provide us with a copy of our updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

Experian will not remove persistent dispute remarks on my EXPERIAN credit report, They are holding my credit hostage, I am applyling for an home loan. I have 5 days for the bank to underwrite my loan. I can not get a home loan with persistent dispute remarks. They will not approve my loan with these remarks on my credit. I disputed these accounts over 30 days ago and received an email from Experian showing that my dispute was complete. their way of handing customer service issues is wrong. They are showing MY XXXX XXXX funding accounts starting in # XXXX and # XXXX PENDING until XX/XX/2016. That date is way past 30 days and yet, Experian claimed that my dispute was complete on XX/XX/2016.THis is a confusing and very misleading way of communication in the investigation results. I have exhausted myself XXXX with Experian trying to remove these remarks. From the initial date of my dispute to now it has caused me XXXX..My work performance has been affected as well as my home life. Experian refuses to remove these dispute remarks on XXXX of my XXXX accounts as well as my XXXX account, # XXXX and XXXX account # XXXX these all have dispute remarks. Experian is holding my credit XXXX by persistent dispute remarks on these accounts. They are holing me hostage to these remarks by not allowing me to get a home loan. I have been informed by my Mortgage, company that they can not underwrite loans that have dispute remarks. I have requested that they remove these persistent remarks and Experian refuses, XXXX and XXXX did so in 24-48 hours for me. This is so frustrating and taxing on my life and family. MY mortgage company said I may loose my down payment on a home. They are preventing my underwriter to take the next step. Once again, it is my XXXX accounts I mentioned, I need these persistent remarks removed that are past 30 day from first initial dispute. PLEASE HELP have these removed as soon as possible.MY credit and home life is being held hostage to these remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and was surprised by multiple account and information that doesn't belong to me. I never applied to these companies or gave them my information. I don't know how this fraudulent information got on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CFPB Write up n 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 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 XXXX XXXX XXXX  - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Fay servicing is the new servicer. These actions have been ongoing for 10 years, since inception in XXXX. I have pled with my governmental agencies to investigate this since. 
My mother, and my mothers late husband were victims of predatory loan practices in Massachusetts. No one has done much of anything. I know have irrefutable proof of my allegations of fraud, forgery, federal and state mortgage laws, wire fraud, the list is endless. Fay servicing is now sending me 90 day right to cure, and a letter stating on whos behalf they are trying to close, in where they have no standing. ( the note was sold once again, on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX XXXX XXXX. Fay did not list them as the lender they represent. This sham needs to come to an end, as I have invested countless hours investigating this, and it is riddled with corruption, crime, and immorality of preying on the weak and disabled of this country, and I am imploring to you, help me stop this