23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late
Product: Credit reporting or other personal consumer reports

I have old things under wrong names on my name is XXXX XXXX XXXX and it is coming up with XXXX XXXX is coming up with all kinds of different names that are not my name and I want to get it all cleared up so I can clean up my credit
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find that inaccurate accounts had appeared on my credit report, and I have no explanation for how this happened. I regularly check my report, and everythings been fineuntil today when these discrepancies popped up out of nowhere. Thinking it might just be a technical glitch, I refreshed my browser, but to my dismay, the false information was still there. Im now asking for a thorough review of the documents I sent so I can avoid ever worrying about this issue in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid True Accord {$450.00} for a collection balance that was already settled on behalf of XXXX XXXXXXXX XXXX. 

I received an email from them stating that I could settle my debit. 

The balance was similar to another debt that I owe to another creditor, and I was the impression that I was take care of that debt. 

I do believe that was fraudulent activity committed by TrueAccord, and I'm unable to recover my {$450.00} back and need outside mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX with Social Security XXXX XXXX and XXXX XX/XX/XXXX. I am XXXX and need assistance with housing but the following information on my credit report is stopping me from getting loans. I need the highest credit scores possible from ALL 3 Credit Reporting Agencies. Can you please assist in removing the following within 14 business days? 
Respectfully, Please remove- XXXX XXXX  XXXX Please remove the following EMPLOYMENT INFO : This is incorrect XXXX XXXX XXXX XXXX XXXX XXXX Please Remove the following : ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please remove Hard Inquiries : XXXX, XXXX Inquiry : XXXX XXXX, XXXXXXXX + Miscellaneous Reptg. Agencies EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX OF XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX Please remove CLOSED ACCOUNTS from Loans and Inaccurate Account from XXXX ( This is not my account- Ive never had XXXX ) OTHER LOANS XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$73.00} Needs Attention
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries 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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Checking or savings account

Someone opened an account in my name and address with Comerica Bank. I received XXXX statements with a XXXX balance. Knowing I had not tried to open any bank accounts I thought it was a mistake but when I received a second statement still with a XXXX balance, I called Comerica and the rep, XXXX, told me it was opened on XX/XX/22 and closed on XX/XX/22 after they discovered it was a fraud attempt. They suggested I report the fraud incident.
Product: Debt collection

Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$550.00} Last Payment Date Whose Account Individual Account. 

Letter sent to XXXX, and their collection representatives now AT LEAST 4 times. 

I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sent Via USPS TRACKING XXXX ADDITIONALLY : HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of XXXX THAT THE ACCOUNT USED TO WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. 

XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX or Experian. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states 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. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On EXPERIAN! 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME, NEVER LATE as they should be as I was NEVER Lat
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

.
Product: Credit card

Filed a dispute with XXXXXXXX XXXX  for a defective dishwasher. Case # XXXX in the amount of {$850.00} on XX/XX/year>. XXXX 's issued a credit but when company sent in proof of purchase, it added the charge back to my account. I am not disputing the purchase, but the fact that the dishwasher does not dry at all and I have repeatedly tried to work with company. They sent replacements which were damaged and I have returned them and provided proof of return to XXXX XXXX  The merchant has violated the terms and conditions of the sales agreement by first sending a defective dishwasher that does not perform basic functions and then again by sending damaged replacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : COMENITYCB/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And XXXX  XXXX XXXX XXXX Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX  XXXX XXXX  ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with XXXX XXXX XXXX. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 GXXXX Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all XXXX XXXX XXXX  is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days.

Transunion is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ, XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Fraudulent Information on My Credit Report Due to Data Breach Dear Equifax Customer Service , I am writing to formally dispute inaccuracies on my credit report resulting from the data breach that occurred in XXXX. I believe that some of the information currently on my credit report is a result of fraudulent activity, and I request that these inaccuracies be investigated and corrected as soon as possible.

Specifically, I noticed the following items on my credit report that I believe may have been affected by the Equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items may have been created as a result of identity theft or unauthorized activity due to the breach. I ask that you review my credit report and take the necessary steps to investigate these discrepancies.

I request that you take the following actions : Review the listed accounts and remove any fraudulent items resulting from the breach.

Provide me with the outcome of your investigation and a corrected copy of my credit report.

Enclosed are copies of my identification documents ( e.g., drivers license, Social Security card, and proof of address ) to verify my identity. Additionally, I have included any relevant documentation supporting my claim ( e.g., a copy of the data breach notification, police reports, or fraud alerts ). 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have a duty to investigate my dispute within 30 days. Please notify me in writing regarding the status of your investigation. 

If you need any additional information to process this dispute, please let me know. 

Thank you for your prompt attention to this matter. 

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

In XX/XX/2021 I initiated a dispute with TransUnion credit bureau regarding incorrect balance information being reported on my credit report. The balance information they are reporting is from the month of XXXX and it is inaccurate and affecting my credit score in a negative way. I contacted the credit union, XXXX XXXX in XXXX and advised them to contact TransUnion directly and make them fix this error before XXXX. I was told by the Director of Consumer Lending at XXXX XXXX  that their credit reporting updates occur every month on the XXXX. TransUnion refuses to update my credit card balance and when I issued a dispute with them directly, I was sent a deceitful letter dated XX/XX/2021 explaining that no update is necessary!! My new credit card statement date is XX/XX/2021 and it clearly shows that my balance is {$40.00}. These facts make it clear that TransUnion is not working on behalf of the American Consumer and this bureau needs to be shut down!! Their investigations unit NEVER DISPUTES CONSUMER COMPLAINTS PROPERLY OR ACCURATELY. TransUnion remains in violation of FTC regulations. TransUnion refuses to update my new credit balance and increase my credit score which will be the next course of action to take place in XX/XX/2021.
Product: Credit card or prepaid card

On XX/XX/2022 I made a purchase at XXXX. The purchases were. 
XX/XX/2022. XXXX. {$8.00} XXXX XX/XX/2022. XXXX. {$110.00} When I write home and my card was unable to be used I went online and found the additional XXXX charges on my account, that were not made by me. I did not make these charges they are fraudulent. I have tried every way I know to make the bank understand that they are fraudulent, and I know this because I did not make them. And the card was always in my position. I have no idea how it happened, I can not explain it. But I categorically deny making these charges, and as a matter of fact, can state that they are indeed fraudulent. They were as follows : XX/XX/2022. XXXX. {$100.00} XX/XX/2022. XXXX. {$100.00} I have tried every way I know to make the bank, ALBERT BANK, operating under a license of XXXXXXXX XXXX  OHIO, understand this. In the many many many emails back and forth, Albert Bank reported to me that in their opinion they were not fraudulent, they were not going to refund me my {$200.00}, and that they're findings were binding. After contacting XXXX XXXX, XXXX said that they were wrong, Albert Bank is in violation of XXXX XXXX XXXX agreement, and I should contact MasterCards fraud department. I did as well as the Consumer Financial Protection Bureau, the banking Regulators in Ohio, and others. This is outrageous, it is wrong, and Albert Bank should be treated as a rogue company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX
Product: Credit reporting

I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2024 MOHELA informed me my account was being forced into forebearance despite not wanting this. Letter stated interest was 0 %. 

On XX/XX/2024 MOHELA now informed me my account HAS been accruing interest
Product: Mortgage

I lost my job due to the COVID-19 pandemic. XXXX XXXX County and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are XXXX people in our family me my wife and our XXXX kids. we have no money and our mortgage company harassing us regards monthly payment, they are loan sharks and don't care about anyone beside money. We asked forbearance they give only 6 months after that they ask us to pay upfront fee {$8400.00} and monthly additional {$1500.00}. which we don't have. we get {$700.00} monthly food stamp and {$230.00} unemployment almost over. i am trying to find a job but no luck.
Product: Credit reporting or other personal consumer reports

Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by Experian. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with XXXX and XXXX. 
- FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. 
- Date discrepancies : Opened XX/XX/2021, and XX/XX/2021.

- FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. 
- FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. 
- FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ). 

Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. 
- Remove or correct all errors within 30 days, as mandated under FCRA 611. 
- Provide a written summary of the investigation results and verification sources. 
- Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ). 

I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. 

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

Saw on a recent pull of my credit report that there was XXXX late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since XXXX. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. I filed a dispute with all 3 reporting agencies. Equifax 's investigation was finished two weeks later, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. ID Theft Report from the FTC is attached. 

Equifax didn't even acknowledge my ID Theft Report from the FTC during the original dispute.