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

Experian is violating the FCRA pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 



( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



I have reviewed my credit report and have found several inaccuracies. Please delete the inaccurate accounts from my credit report. 



XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit card

This XXXX card account is showing a late payment when I never made a late payment on this card and its also showing its was written off as bad debt when I paid debt in full after they closed their service without any notice.
Product: Debt collection

Midland Credit Management Acct # XXXX This notice is sent to you in response to an entry made in my Credit Report. Please be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the FDCPA, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and a copy of the contractual agreement which legally binds me to pay this debt. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 
Please provide the following : 1. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

2. Please provide me with documentation that indicates that I agreed to pay you this sum of money.

3. What was the original date of delinquency for this account?

4. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

5. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile. In the event of noncompliance, I reserve the right to file charges and complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must notify all Credit Reporting Agencies that the account above is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed. I have sent a copy of this request for validation to the Consumer Finacial Protection Bureau to begin their 30-day investigation process concurrent with your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX stores had an exclusive deal with XXXX XXXX for a store credit card. XXXX decided that they wanted to do business with Citi bank and not longer XXXX XXXX. I never authorized XXXX, XXXX XXXX or Citi bank to send me an unsolicited Credit card. I received a Citi bank credit card in the mail today. I never applied or authorized this transaction. I am under the understanding that it is illegal to send sombody a line of credit via credit card without exclusive authorization from the potential card holder.
Product: Debt collection

Third party collection agency garnish my wages without verifying the debt after I sent them a debt verification notice several times. The agency is in violation of my Due Process of Law, Supreme Court Case Law, International Law and in violation of the Fair Debt Collections Practices Act.
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 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 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose
Product: Credit card

I have 4 late payments from XXXX and XXXX I would like these to be removed from my report. I feel this is an error In accordance with the Fair Credit act, violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.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

Hello, I have taken Personal loan from XXXX XXXX  which was managed by " XXXX XXXX XXXX XXXXXXXX XXXX '' I have repaid amount on " XXXXXXXX  '' without any settlements. 

However, despite receiving the full amount that was to be paid from my end, they have transferred my account to " XXXX XXXX XXXX XXXXXXXX '' to follow up on my account and ensure that I paid the amount fully. 

I received XXXX 's from both companies, but upon checking my credit information, my account status was not updated accordingly under credit bureaus. ( Especially under Experian ). I have spoken with the Experian team and got the conclusion that information is to be updated from " XXXX XXXXXXXX XXXX XXXXXXXX XXXX '' and " XXXX XXXXXXXX XXXX XXXX '' end. 

I coordinated both of them and received response as they have updated information as closed but still its showing as dual account under my report and Loan which I have taken from XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) was showing incorrect information and XXXXXXXX XXXX created another account behalf of XXXX number and showing as additional loan. 

I have attached XXXX  from both companies and the latest Experian report for your reference. 

Its been more than a year, and the issue still persists, Due to this, my financial planning has been impacted, and I couldn't go for a new loan. When I tried to go for a new loan application, it got rejected and impacted my score again. I really exhausted explaining things to credit bureaus, and I need compensation and also resolution from both ends.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data BreaXXXX : I have several fraudulent accounts that should be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report.

15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ...,
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX, VW CREDIT INC XXXX  Date Opened : XX/XX/2016 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to an adequate customer service and unfair practices, which Violates the consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take Timely and effective measure To prevent and address fraud On their platform, Leaving my account vulnerable and unprotected. Furthermore, Their 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. These actions have caused significant inconvenient And financial loss, and I Seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a formal letter to Equifax to remove a fraud alert on or about XX/XX/21. I also Called and requested that it be done. 
In addition to requesting to have the fraud alert removed, I am paying member of there myEquifax service which I use to stay on top of my credit score and changes I received a letter stating that the Fraud alert has been removed but on the paid service and well as another paid service that update the report, the Fraud alert has no been removed. 

I am attaching copies of the letter as well as copies of the screen and reports I recently applied to on a checking account and was turned down due to this alert. The alert is harming me personally and I had formally did the right thing requesting the Removal and even paying for the monitorig service does not get service.
Product: Credit card or prepaid card

Bank of America locked my account the day after I submitted a claim in which an ATM I used didn't dispense the amount I requested. The claim was closed due to " fraud '' with no official investigation. Bank of America has stated that XXXX will need to verify my identity before they can unlock my account. This has already been done, and XXXX has submitted a request to unlock my account, but Bank of America still refuses to unlock my account.
Product: Checking or savings account

I was selling my house, and the buyer backed out, and forfeited their earnest money. I needed that money to make the mortgage on it as I was not anticipating having to pay it out of pocket. The real estate agent deposited the check, and nothing was mentioned about the check being placed on an extended hold. The check was deposited XXXX XXXX XXXX. They placed it on hold until the XX/XX/XXXX. XXXX business days. Simply because they say they only have XXXX other transaction with the company who wrote the check ( the real estate company. ) I dont see how that is even remotely relevant as they will have the funds much sooner then that, and they have already called to confirm the funds from the issuing bank, and called the number on the check to validate the authenticity of the check with the company. Both. But to put the funds on hold, for XXXX total days even after that, even though they will have the funds prior to that is unfair, especially since the check could have been taken to a different financial institution had they told me that. I have $ XXXX {$10.00} dollars go through that account every month. So I dont see why they are treating me as if Im the issue. I have never written o cashed a bad check in my life let alone here at Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX : XXXX XXXX XXXX XXXXXXXX is reporting this account as " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed before I joined the US Army and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the US Army ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXXXXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX XXXX XXXX representative sales XXXX stated my account was at a XXXX balance and my account was closed, in XXXX of XXXX of 2015, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces. I have disputed this account numerous times within the past 5 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB today about illegal activities that Equifax is engaging in concerning my credit report. They have a XXXX Bank posting on my credit report under the account # XXXX in which I will attach the documentation concerning this dispute. It has taken them well over 30 days to respond to me in which I sent a dispute XX/XX/2022 and they are just getting back to me now XX/XX/2022. That is well over 60 days and they responded with a stall tactic they told me that they need identification verification when I sent my driver license and social security card so that response that they generated is invalid. This company fails to do their job so I have to escalate this issue to the CFPB. Not only do they send me that they require my driver license, and XXXX card that I already provided them countless times as this dispute as been going on well over a year. I requested investigative procedures concerning this XXXX XXXX account under # XXXX and they fail to provide that and furnish consumer information which is against their policy and my request as the Original Creditor. They are saying under 605 ( C ) of FCRA law that this account is mine and they are going to do another reinvestigation but where is the proof under 605 ( C ) that I was the one that obtained goods and services for this account. I have not been provided any proof that of this in which Equifax is taking sides with XXXX XXXX instead of doing their thorough job and investigation which is the reason why they are in a probe in the first place for furnishing incorrect credit reports and wrong information. Not only this I disputed an inquiry on my Equifax credit report a XXXX inquiry dated XX/XX/2022 and it was the result of identity theft and fraud in which I did not apply for this account or have any business with this lender/bank. The day after I submitted the dispute EQUIFAX told me that they completed this investigation within 1 DAY and that it was verified as accurate which is completely incorrect and falsified information. How is this fraudulent inquiry verified not only that how did they come to the conclusion within one day and it is under my understanding that any fraudulent activity that is on my credit report must be REMOVED upon notice to the credit bureau unless they can provide information that it is VERIFIED Which they did not allow me.
Product: Credit reporting or other personal consumer reports

The company is in violation of my rights per 15usc 168
Product: Mortgage

Wells Fargo charged me a higher interest rate than originally quoted when I applied for a commercial mortgage. The rate quoted was 5 % the actual rate at closing was. 5.5 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has seized my account for ppp loan. I sent in all docum Showing business owner. They stated not accepted. Please note this loan is 4months old. And has already been repaid. I sent documents showing forgiveness and amount sent to lender.. how can I qualify for loan and FORGIVENESS and XXXX  XXXX seize my account and label me fraud with the same XXXX receipts and tax forms. Im feelin attacked. They have closed my crdit accounts with them as well. Causing a negative credit rating. For a loan I no longer owe and definitely qualified for. They stated my funds in my personal account are being sent to lender but why would they do that if I have provided PROOF I have no debt with Sba! Its been forgiven. I have included the letter with seal and proof of no debt. Loan no longer owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get copies of my credit report for years. No one is able to get a copy of the report not even the mortgage company Im going through. I have called I have sent certified mail with a copy of my license, social security card and a utility bill with my address. I not able to access through any free credit reporting agencies, Im not able to access through the Equifax website. Though I keep getting emails requesting that I pay for a service to access my report.
Product: Mortgage

My name is XXXX XXXX and I am having trouble getting my mortgage company to admit their mistakes on paying my insurance dues for my property. Their mistake has now cost me additional insurance fee 's that add up to roughly 600 $ a month on my mortgage payment. I received a call from my insurance company in XXXX of 2018 that my policy was about to cancel since my mortgage company will not pay invoice ( my acct is escrowed for tax's/insurance ). My insurance agency said they have not been able to get this resolved after a few attempts. I got involved and called my mortgage company and they said they would pay the insurance fee 's. This did not happen, I received calls from my mortgage company and insurance company again that they were still working the issue. This went on for a few weeks until I had 2 weeks before my policy canceled due to lack of payment. I went to the insurance company and we called the mortgage company together to get resolved. When I left the insurance company I was promised a call from the mortgage company if it was not resolved, never received the call until after the policy was cancelled. My insurance company and myself went out of our way to get this paid, even though it should be the mortgage company since I pay them to manage my expenses. The Mortgage company added a temporary policy that is ridiculous in cost due to their mistake of not making invoice until after the policy cancelled. I requested multiple manager call backs from my mortgage company and never received any. I finally had to call the director of Regulatory affairs ( XXXX XXXX ) so he could help my get an investigation going. I received the investigation findings from the Mortgage company and basically they said it was my fault cause they showed they tried contacting me and I did not answer??? I have proof from my insurance company they invoiced my mortgage lender a few weeks before the policy cancelled and they reached out multiple times but my lender never followed up as they promised to pay my insurance fee 's. I have proof of the multiple calls I made and the insurance team to get this resolved and invoices made from my insurance team prior to cancellation. Not sure why I'm at fault, pls help Mortgage- Cornerstone Lending NJ branch Supervisors I spoke with prior to cancellation- XXXX, XXXX, XXXX. Other departments I reached out to for help- XXXX XXXX , XXXX XXXX in the Regulatory Affairs group. 
Insurance Agent- XXXX XXXX XXXX XXXX . Agent is XXXX that I worked with throughout this process. She also has proof of invoice and calls, emails, etc. 
Property address- XXXX XXXX, XXXX XXXX TX , XXXX I was advised by my legal representative to file this complaint with your organization as the first step. Hoping Cornerstone will finally acknowledge their mistake and wave the added fee 's. If not, we will move forward with an attorney and it will cost Cornerstone much more than they expect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Debt collection

I found a new derogatory remark for collections on my credit report from XXXX XXXX XXXX  for the amount of {$780.00}. I contacted the company on or around XX/XX/XXXX to attempt to gain information about the debt since the company they stated I owed money, XXXX, had already been paid off completely when I canceled my service in XX/XX/XXXX. They refused to give me any information and kept stating I can pay or there was nothing else to talk about. Approximately 45 days later I received a letter from them that had a copy of a bill from XXXX showing that I owed the amount but no additional information showing proof that the amount hadn't been paid, a statement of reason for charges, or anything. I tried to contact the XXXX  again and they told me the same thing pay or no reason to discuss any further.