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

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. On XX/XX/year>, I mailed Experian a certified dispute letter regarding a derogatory account reported by XXXX XXXX XXXX XXXXXXXX. In this letter, I specifically requested that Experian provide the method of verification for this account. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. Despite my clear request, on XXXX, XXXX, I received an email from Experian informing me that the accounts had been verified by the company who reported the information ( XXXX ) and that this account would remain on my credit report. Experian failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. Per the FCRA, Experian is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Experian has blatantly ignored this legal requirement. Given Experians non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to XXXX be immediately deleted from my credit report. Experians refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. I request that the CFPB take swift action to investigate this matter, hold Experian accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. Please update me on the steps you will take to resolve this dispute promptly.
Product: Credit reporting or other personal consumer reports

Sofi is not providing me with documentation to support their alleged claims of the information they are reporting about me on my credit report. Anything reported about me has to be based on facts and I have yet to receive any documentation for this inaccurate account. They are damaging my credit score unfairly and causing me hardship due to me being denied for housing because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have 30 day late payments, I want all credit bureaus to verify & update my report deleting these late payments as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there. It seems there are accounts on my credit profile that does not belong there. I am a victim of identity theft. I'm contacting you so you can assist me with removing these accounts. I followed all the steps mentioned online. I have the identity theft affidavit as well as the two accounts I'm referring to attached.
Product: Credit reporting or other personal consumer reports

I am unable to access my Equifax account, I have never tried to log in and I am told over the phone that they can not find my information for my credit report. I am able to log into XXXX and XXXX XXXX, but not Equifax.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : XXXX. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or XXXX-party entities contacted during your verification process, as required by law. 
XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax & XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX, CALIFORNIA XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting

Experian is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Experian explaining to them that this collection account does not belong to me. Experian sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Experian needs to delete it from my credit report.
Product: Debt collection

Jefferson Capitol Systems LLC. Which is a debt collection company has repeatedly harassed me called me from blocked numbers all hours of the night. They never sent me any communication about a debt or gave me a chance to dispute it. The debt has been added to my credit report without my consent. They have threatened to share my personal information such as my social security number and my credit report. They have told me that I will be sued and, my wages garnished and put out on the street and that " they deal with people just like me everday and that I will be sorry for not paying them for a debt they say I owe ''. THE amount they are claiming is XXXX. Not to mention they put a extra XXXX admin fee on top of the XXXX bringing the total amount XXXX. Other comments they have made is they do not wan na have me arrested. This company has said that I just need to pay the money there is no need to know any other information and it is not there job to provide it. I reached out to them with returned receipt certified mail and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account open sky was charged and written off, and is still reporting late on my consumer report, witch is a violation of the fair credit reporting act law. 

Iv contacted the company asking to remove the incorrect information and they have not Iv also ask for a 1099, for proof that the debt was mine and that it had been written off and was never received 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.
Product: Debt collection

The company has been reporting a fraudulent collections account to my credit report. I told the company many times the account is in fact fraud and needs to be removed.
Product: Checking or savings account

I opened a checking account on XX/XX/. An account number was issued and I made two direct deposits from my employer. The direct deposits were returned to my employer and the account was closed without notice. Gateway offered a {$250.00} bonus for setting up a direct deposit but did not pay this amount. This caused a lot of problems for me as I was unable to access my paycheck funds that were returned to my employer.
Product: Mortgage

payment sent out on XXXX XXXX, 2015 not credited to my account.
Product: Credit reporting or other personal consumer reports

XXXX HAD allowed Ctedit Companies to run my credit Report Causing a Hard Inquirie and affecting my credit report and And they also are a Company who I had send my Legal Documents and proof arguing for the OPORTUN account with inaccurate information contained within my personal information contained, it's wrong, name, address, they only have XXXX XXXX, they are not providing any other identification or job, or any other sources of proof to identify my self as a responsible owner of the account.! 


XXXX AND XXXX ARE ILigaly Using their power to mess up the POOR PEOLPLE LIKE ME... Trying to make a decent life and wrongful acting as a XXXX, helping a Credit Company they get benefits daily, promoting their credit cards and getting commission, I get credit offers by 26 % or 36 % for credit or a loan. Just a sample I a get a card loan at a rate of 16 % for the amount of {$13000.00} dollars monthly the Loan company will get about {$240.00} on interest for a person like trying to build my credit after been " mess his identify '' so on that loan XXXX XXXX will get a percentage, for XXXX is no good to verify and fix the wrong information. 

Please CONSUMER FINANCIAL PROTECTION BAREAU REVIEW THE DOCUMENT. I JUST DONT UNDERSTAND IF " XXXX XXXX WITH the same Documents I provided to, Experian, XXXX and XXXX XXXX .only XXXX HAD FIX THE INACCURATE INFORMATION AGAINS ME. 

XXXX, Experian, and XXXX had even allowed car dealership companies to run my credit 2 times a day. It's Terrible seem this companies allowing This kind of inappropriate, inaccurate information.
Product: Credit card or prepaid card

Card was cancelled without warning or reason. Would like my pro-rated membership fee refunded as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still XXXX fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. XXXX continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue XXXX if they continue to report false info on my credit.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are being reported on my credit report that do not belong to me. I have attempted to contact the company directly and they are unresponsive but somehow refuse to remove the accounts from my credit report despite my countless letters, with documentation as proof. This is violating my rights and hurting my ability to get funding I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a late payment in XXXX of 2019. After disputing this, which was never late, Transunion stated that this information was verified by XXXX XXXX. However, XXXX XXXX verified to XXXX, which is attached, that I was NEVER late on payments to this account. A copy of this report is attached. I am very concerned that Transunion is continuing to report falsified verified information which is hindering and hurting my ability to acquire credit.
Product: Mortgage

WHAT SN SERVICING IS FAILING TO REALIZE IS THAT I AM XXXX YEARS OLD. MY HUSBANDS INCOME WAS THE ONLY SOURCE OF INCOME ALONG WITH MY DAUGHTERS INCOME. AT XXXX BECAUSE THE LOAN IS UNDER MY NAME I HAVE TO MAKE INCOME TO SAVE MY HOME OF MANY YEARS. AT XXXX YEARS OLD HERE I AM CLEANING HOUSES, WASHING CLOTHES, IRONING CLOTHES, ANYTHING TO GET BY. I AM JUST UNTIL NOW STARTING TO MAKE MONEY AND CAN MOVE FORWARD WITH MAKING MY MONTHLY MORTGAGE PAYMENTS. I HAVE NOT OPENED A BANK ACCOUNT AS I REFUSE TO PAY THE BANK {$15.00} A MONTH TO PROVE MY INCOME TO SN SERVICING. I CAN USE THOSE {$15.00} TOWARDS THE MORTGAGE PAYMENT.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. GM FINANCIAL XXXX.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I received a pre-approval letter from a company called mobiloans early in this month and accepted. I was asked to send in a voided check as well as an authorization form allowing them to make ACH transactions on my account. I sent all the info as requested and supposedly the information was updated as I got a confirmation email. So I requested funds on monday the XXXX of XXXX 2016 to give me enough time to receive it by the time I needed it ( XXXX XXXX 2016 ). They promise to have the funds in your account by the next business day but two days later ( today ) I hadnt recived the funds so I called their customer service line and recived the worst customer service ever! The people told me basically that the agent who made the update to my account did it wrong and because of this I had to wait till they received the money back before I could request it again pretty much leaving me to deal with my issues of not being able to handle my emergency in time which was the whole purpose of using the service to begin with.
Product: Debt collection

I contacted XXXX about a collection account on my credit report. I had no knowledge of this account and have never used XXXX. I have never lived at the service address on file with XXXX. I have never used XXXX and have never set up an account with them. I asked them to provide any documentation verifying I was the one who set up the account and they could not because I was not the one who set this account up. They have no lease, no picture ID, no signature, and did not have my permission to set up an account in my name.