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

Disputing the same accounts for 3 months Despite my previous attempts to resolve these 21 accounts inaccuracies, Experian continues to report unverifiable, incomplete, or inconsistent information on my credit file. I am invoking my rights under the FCRA ( 15 U.S.C. 1681i ) and request a thorough reinvestigation of the disputed items to ensure compliance with federal standards. 

Previous disputes I submitted resulted in vague or generic responses that failed to clarify what information was verified, updated, or left unchanged. This aligns with allegations in the CFPB lawsuit regarding Experians inadequate reinvestigation processes and ambiguous results letters. 

Subject : Formal Dispute Regarding Systemic Inaccuracies and Incomplete Information on My Credit Report. 
Dear Experian Dispute Department, I am writing to formally dispute 21 inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 
Specifically : 1.Experian responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution.

2. Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers.

3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

To comply with the FCRA and rectify the inaccuracies on my credit report I demand the following : 1. A thorough reinvestigation of the disputed items, including all supporting documentation I have provided.

2. A detailed written explanation of the reinvestigation, explicitly identifying any updates or reasons for the disputed information remaining.

3. Immediate removals of any inaccurate, incomplete are unverified information on my credit report. 

I have attached copies of relevant documents, supporting my dispute. 

Please be advised that under the FCRA, you are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply with FCRA standards, as highlighted in the CFPB lawsuit, will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) or potential legal action. 

Thank you for your immediate attention to this matter. I look forward to your response within the mandated time frame. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions.
Product: Money transfer, virtual currency, or money service

This is a complaint against Cash App for inadequate customer service and unfair practices. The complaint alleges that Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving the account vulnerable and unprotected. The complaint also alleges that Cash App 's dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The complaint seeks appropriate redress for the inconvenience and financial loss caused by Cash App XXXX actions.
Product: Debt collection

XXXX XXXX XXXX XXXX has placed a debt on my XXXX, XXXX, XXXX credit reports stating that I owed a debt of {$1800.00}. I have reached out to them several times requesting a copy of any documents providing bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting and also on my credit bureaus.. I have been maintaining a careful record of communication with you for the purpose of filing a complaint with the CFPB and the Attorney General 's office. I have repeatedly asked for evidence to support your reporting, but yet again you have failed to provide me a copy of any viable evidence. This incorrect reporting has had a tremendous impact on my credit and your lack of cooperation is unacceptable. Please remove the debt of {$1800.00} that does not belong to me off of all 3 of my credit bureaus.
Product: Credit card

Hey my name is XXXXXXXX XXXX XXXX XXXX. i never open the discovery credit card at all. they sued me and take me to court, it said it my responible for it but i tried explain to them i never open at all and i really dont know who open or used the card. i have been trying hard to fix this problem and solved it. i want them remove all amount and closed the account. i also want they removed off credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXX XXXX transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed XXXX Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX- ( Closed ) XXXX opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX Transunion -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts. Also there are alleging systemic issues such as failing to Forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to the credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal Law and my rights as a consumer. Accounts are XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX here they have stated they couldnt even find my account anywhere. XXXX XXXX XXXX XXXX XXXX XXXX  All needs to be deleted off my credit report
Product: Credit reporting

Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, " XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX  XXXX '' has both violated my rights. 

Under the 15 USC 1681 Section 602 ; it states I have the right to privacy.

15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I tried to pay off my loan in one final payment. I checked their website calculated the amount for that date. I made a cheque out for that amount and sent it via courier service XXXX it arrived exactly a day before the date. The cheque seems to have never been cashed and they can't seem to find it now. As it was sent with XXXX I have the name time and date of who signed for the cheque. I have contacted them and they said they are looking into it but this has happened before. As I am international they do not take payments from international accounts or international transfers which is very annoying.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Dear XXXX, I have received notification that someone is using a fraudulent email address, associated with my law firm domain, to send correspondence about credit card replacement. Below is the content of the email. I appreciate anything you can do. 

*************** [ from XXXX ] We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved. 

We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved.
Product: Checking or savings account

XX/XX/XXXX : I deposited 4 checks into a new Chase savings account, with an amount totaling {$1400.00}. I also authorize my other bank account ( XXXX XXXX XXXX XXXX ) to transfer money into this new account. They deposit XXXX cents into this account. 

XXXX : Chase decided to close my savings account for unclear reasons. My account has a balance of XXXX. 

XX/XX/XXXX : I receive a check in the mail for XXXX cents. 

XX/XX/XXXX : I call Chase to enquire about the rest of the money ( {$1400.00} ) and am told that it is still being processed. 

XX/XX/XXXX : I receive another statement from Chase which states that my account has been totally emptied. However I still have not received a check. I call Chase to ask and they state that it is still being processed. 

XXXX : I still have not received the remaining funds and call Chase again, who tell me that the funds are under review and they have no update. They tell me they are putting in a note to expedite the process and to call back in one week for an update.
Product: Credit card or prepaid card

I applied with the Guitar Center XXXX credit card, issued by Synchrony bank, and received a denial, reference number XXXX, stating that information from the following Credit reporting agencies was used to determine this adverse action. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( I have never heard of this company and did NOT authorize them to compile or share my private data ) I was told to contact the above company with questions about the report, and to contact Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX with questions about this letter. They discriminated against me, based on arbitrary info provided by an unrelated, and unauthorized third party, denying me the opportunity to accept their offer of an extension of my credit, which THEY ( Synchrony Bank ) offered. In violation of 15 USC 1691 ( a ) 1 ( c ) i was denied for exercising my right to credit. According to the Truth In Lending Act, credit is the right granted by a creditor. I initiated this transaction with my credit card and because I received no benefit from the transaction, 15 USC 1602 L, P, F, and G are also at issue. As I am the creditor as defined in 15 usc 1602 ( g ) 2, ( The credit application being the initial evidence of indebtedness, as it included the payment and credit card information ) My extension of credit was obtained and accepted, but I received no benefit from the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this inaccurate/incorrect information with all 3 Bureaus. None are compliant. I have disputed and a through investigation hasnt been done. In-fact all inaccuracies and errors have remained on my account. I have verified my identity and sent certified letters.

All 3 bureaus have violated my rights and broken several laws.

According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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 ( A ) ( 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.

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. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX/Dept of ED Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

These accounts need to be deleted immediately from my credit reports.
Product: Debt collection

There's a scam company called Kickoff Lending XXXX Llc that I signed up with not knowing it was a scam. I cancelled the accou t once I learned that I was paying for a fake loan that I never received a single dime for. They're stealing from me and falsely reporting an account that I successfully cancelled months ago. With a lawyer even. But the credit destruction reports have yet to cease.
Product: Mortgage

I've asked multiple times for copies of the paperwork that show the scheduled sale of my home has been cancelled. My loan is current. Mr. Cooper has refused to provide those. I continue to be harassed by their actions as servicer and inability to provide me with what should be readily available info
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX and XXXX XXXX FCRA states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and XXXX  days after XX/XX/XXXX or XXXX days after the XXXX national emergency ends. ** XXXX XXXX XXXX XXXX XXXX reporting late payments to my credit report from months XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX. However, I had followed all steps of making a valid payment arrangement which was approved in writing by XXXX XXXX  via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Vehicle loan or lease

I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.
Product: Credit card or prepaid card

I received the below email. I have not nor do I order from the company Paypal. I have no idea what the transaction is about!!! Its a fraud! They are attempting to get money from me! Help stop them! 

PayPal Date XXXX Invoice ID XXXX Dear XXXX, Your authorization for the payment of {$920.00} to XXXX XXXX XXXX is successful. 

This charge of {$920.00} ( inclusive of taxes ) will appear on your bank or card statement as payment to XXXX XXXX XXXX To view all the transaction details, please log-in in to your PayPal account, it may take up to 24 to 48 hours for this transaction to appear on your account. 

PayPal Customer Support for USA & XXXX XXXX XXXX XXXX XXXX. Please check the receipt for detailed information on the purchased. 

Merchant Information Any Specified Instructions : No XXXX XXXX XXXX. 
( A XXXX XXXX XXXX ) Delivery Method : Online ( XXXX ) Order Details : Description Qty Unit Price Total Amount Bitcoins BTC - XXXX XXXX {$42000.00} {$920.00} Sub-Total {$920.00} Transaction Fees {$30.00} Order Confirmation {$950.00} If you did not authorize the charge, you have 72 hours from the date of transaction to open a dispute with PayPal Resolution Center.

For any assistance or questions, please contact our Customer Support @ XXXX XXXX XXXX XXXX. Please keep the Invoice ID handy for faster resolution. 

This is a system generated email. Replying to this email will not cancel your charge. Please contact our Customer Support, if you wish to stop the charges getting in to effect. 

Thank you for your payment with us PayPal Billing Support We hope to see you again PayPal Date XXXX Invoice ID XXXX Dear XXXX, Your authorization for the payment of {$920.00} to XXXX XXXX XXXX is successful. 

This charge of {$920.00} ( inclusive of taxes ) will appear on your bank or card statement as payment to XXXX XXXX XXXX To view all the transaction details, please log-in in to your PayPal account, it may take up to 24 to 48 hours for this transaction to appear on your account. 

PayPal Customer Support for USA & XXXX XXXX XXXX XXXX XXXX. Please check the receipt for detailed information on the purchased. 

Merchant Information Any Specified Instructions : No XXXX XXXX XXXX. 
( A XXXX XXXX XXXX ) Delivery Method : Online ( XXXX ) Order Details : Description Qty Unit Price Total Amount Bitcoins BTC - XXXX XXXX {$42000.00} {$920.00} Sub-Total {$920.00} Transaction Fees {$30.00} Order Confirmation {$950.00} If you did not authorize the charge, you have 72 hours from the date of transaction to open a dispute with PayPal Resolution Center.

For any assistance or questions, please contact our Customer Support @ XXXX XXXX XXXX XXXX. Please keep the Invoice ID handy for faster resolution. 

This is a system generated email. Replying to this email will not cancel your charge. Please contact our Customer Support, if you wish to stop the charges getting in to effect. 

Thank you for your payment with us PayPal Billing Support We hope to see you again
Product: Debt collection

Equifax limited how many words and got time out several times, also asking for an account # so the Eqifax website will not let me make a complaint. 
This was the statement I wanted to write : Dear Equifax/XXXX  XXXX One of my bills from XX/XX/XXXX ( the XXXX XXXX person told me on the phone when I was paying ) was sent to collections but I did not get any statement billing me, I was not aware of the bill until I got an alert from my credit report on XX/XX/XXXX. If I would it know that I owe {$71.00} I would it pay it, as soonest I knew about I call XXXX XXXX XXXX and I paid the bill in full, but it already is hurting my credit score, is not my fault that the provider ( XXXX XXXX XXXX ) did not send me statement billing me. I have paid the bill {$71.00} from XXXX XXXX XXXX on XX/XX/XXXX, I am asking to remove the collection from my credit report since is not my fault the provider did not bill me. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX This is the email receipt from XXXX XXXX XXXX {$71.00} XX/XX/XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX Account Number : XXXX Auth Code : XXXX Dates of Service : - Authorization I agree to pay the above total amount according to the card issuer agreement. 

Copyright XXXX XXXX.All right reserved.