23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Months after receiving service at a local ER, I paid the bills and moved on. I was then contacted by the business mentioned in this complaint, who stated that the hospital had never received the payments. 

I provided the collection agency with multiple copies of proof of the payments, including faxed copies of the check images from my bank, but they refused to close the case and instead attached a collection notice to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Ad XXXX of XXXX Description 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 XXXX XXXX XXXX XXXXXXXX, 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 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 1681c. ( a ) ( 5 ) Section 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 XXXXXXXX XXXX 
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: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an inaccurate account that they are reporting on my credit report. XXXX and XXXX are not reporting this as an account on my report, so I am not sure where Experian is getting this information. I have already contacted Experian in regard to identity theft. Experian has not sent any relevant or supporting documentation with my name or signature on any contract with this company. Please have this company looked into for reporting negative items on consumer reports. The account that should be removed from my credit report is ACCOUNT # XXXX XXXX XXXX XXXX {$910.00}. I will be seeking {$1000.00} per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tryed numerous times to get ( Experian ) to remove an address Im not associated with ( XXXX XXXX XXXX, XXXX Virginia XXXX ) I disputed this multiple times and all I keep getting told is its verified/This is illegal because according to consumer law, 15 U.S.C
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

AMEX contacted me on or about XXXX to verify two charges of {$2800.00} and {$2800.00}. I told them no, the charges were not mine nor had I ever ordered anything from the vendor they referenced ( I later determined this vendor sells gold and silver coins ). 

AMEX reversed one of the charges in my XXXX statement and the second in my XXXX statement. I thought that was the end of this. 

Then in XXXX AMEX informed me that they determined that I gave the vendor my card number and the charges were valid. They did this without any further information from me. I have called them many times and have been repeatedly told that this decision is final and to pay the bill. I HAVE REPEATEDLY TOLD THEM THESE ARE NOT MY CHARGES, AND IF THEY ARE PLEASE PRODUCE THE INFORMATION VERIFYING THAT I ORDERED AND RECIEVED WHATEVER MERCHANDISE THEY ALLEDGE I PURCHASED. I know they can not as this was a fraud! 

The charges now again appear on my bill in XX/XX/year>.
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. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX  Account XXXX XXXX, Account name : XXXXXXXX XXXX  Account XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account # XXXX XXXX Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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 general, 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.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

XXXX XXXX XXXX XXXX  I've requested information that I've done business with this company and have yet to received anything. I have never done business with XXXX XXXX XXXX XXXX and they should not be reported on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and that there were 3 inquiries on my credit report for INFORMATIVE RESEARCH I Inquiry Date XX/XX/XXXX. On XX/XX/XXXX, I mailed out letter advising the company that I never submitted an application or applied for any of their products. I have not received a response from the company and the inquiry is still listed on my credit report. I contacted INFORMATIVE RESEARCH and they said that could not assist with this issue.
Product: Mortgage

I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I lost my job around XXXXXXXX XXXX XXXX  and I needed to pay for some unexpected home repairs so I pulled out a personal line of credit with NetCredit. 

NetCredit failed to disclosure the real XXXX for this line of credit, they only provided a fee schedule. They also failed to inform me that this would be paid bi-weekly rather than monthly. I've paid an ungodly amount of fees and I fear that I will never be able to pay this off. I do believe they are practicing predatory lending by not disclosing the interest rate and true repayment terms. 

I called NetCredit to request to close the account and pay the account back in monthly installments versus biweekly, the company is unwilling to work with me and is giving me zero options. 

NetCredit should be illegal and not allowed to practice business, please investigate and probe this company as I do believe you'll find that many other people are having this issue. 

I am please requesting them to close my account so I can pay this account back in monthly installments and stop paying the 98 % APR that was NOT disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, Innovis is reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Product: Credit reporting

I have been disputing with the Experian company for months now regarding the Validation of an account with XXXX XXXX. I am disputing that this account is being reported inaccurately and on those ground I would like experian to immediately stop reporting this account. when I have ask to reinvestigate Experian advises the account is correct and tells me not my inquiry is frivolous. Here the issues, that I am disputing which according to the credit act if information is not complete, inaccurate, or proof cant be provide it should be remove. On all three credit reports there are discrepencies, The dates that the account is open some reports say XXXX/XXXX/98 others say XXXX/XXXX/98. None of the credit bureaus have matching reporting dates while XXXX XXXX has no reporting dates. I reached out to the creditor and they advised that they were not able to provide me with the original date of a sign contract proving that i sign up for this account. So how was Experian able to validate this account with all these missing pieces. I also have file claims regarding identity theft and still Experian is not looking into just sending me a form letter stating they wo n't review it. i have sent them numerous correspondences with return receipts. My request is for Experian and all other credit Bureaus to immediately stop reporting this account due to the inaccuracy of reporting that is causing me not to get approve for credit,
Product: Debt collection

XXXX XXXX I received an email from my XX/XX/XXXX advising that my credit score had gone down 40 pts, I have great credit and stay on top of all bills. I log into my credit account and find out that it was Wayfair. My wayfair account is paid off, I owe them nothing. I call wayfair and found out that someone by mistake credited my account {$3.00} on XX/XX/XXXX on an old order # XXXX from XX/XX/XXXX by mistake. I had no knowledge of this but I paid off my account. On XXXX XXXX, wayfair reversed the {$3.00} credit, leaving me with a balance of {$3.00} that I was never aware of, they never sent me any letters or emails. That balance spiraled to {$45.00} which included 2 late fees and interest fees. I contacted wayfair and in the meantime paid the {$45.00} in order to not further affect my credit but not only do I want a refund, I want them to fix this error, I want a letter to present to the credit bureau as well owning up to their mistake. I spoke to a manager XXXX XXXX on XX/XX/XXXX who claimed to be shocked when she looked at my account and saw what occurred, she emailed me stating to give her a few days to get this resolved. Today is now XX/XX/XXXX and I have not heard back from her, I left several messages on her line and have E-mailed her 4 times, all e-mails going ignored. I called XX/XX/XXXX and spoke to a supervisor XXXX who claimed " we did our part, we credited by mistake but we reversed it ''. Never acknowledging that a credit should have never been placed on my account, the reversal of the credit after my account was paid off has caused late fees and my credit to be dropped. I asked for his manager ( XXXX XXXX, who advised that we had to call Comenity on 3 way to get this resolved. Comenity wanted XXXX off the line, I advised XXXX that Comenity was going to say, it is wayfair that needs to fix the error and of course when XXXX left the phone, the rep XXXX ID # XXXX stated that wayfair needs to fix it. I am getting nowhere with the resolution of a clear WAYFAIR XXXX up.
Product: Checking or savings account

On XX/XX/XXXX a scheduled payment of XXXX was charged on my account and was covered by overdraft protection. 

On XX/XX/XXXX I submitted the amount of XXXX covering the transaction on the following day, ( within the added grace period.. ) later that night on XX/XX/XXXX my account was charged a overdraft fee.. 

Also similar XXXX XXXX $ overdraft fee charge for transaction posted on XX/XX/XXXX also called in attempt to cleared transaction within the time and was denied clearance of any charges within the grace period on or before XX/XX/XXXX.
Product: Debt collection

m writing because Im beyond frustrated with Experian 's failure to fix the incorrect and fraudulent information on my credit report. Ive been dealing with this for years, and despite submitting proof multiple times, nothing has been done. 

Im a victim of identity theft and have also been affected by data breaches from major companies like XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX. My personal informationaddress, name, Social Security number, and emailwas exposed. Im not someone who constantly checks my credit report, so I didnt even realize how bad the situation was until years later. 

When I discovered the issue, I submitted everything I had, including a police report. However, the initial report didnt include a complete list of all the fraudulent accounts and addresses. Despite this, Experian still hasnt provided me with any proofno signed agreements, no documentationtying these accounts to me. 

On top of that, these fraudulent accounts were charged off, yet no IRS Form XXXX was ever provided. If these accounts were written off, creditors likely received credits from the IRS. So why is this still on my report? 

Let me make this crystal clear : My only valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only valid name is : XXXX XXXX My only valid contact number is : XXXX All other names, combinations of my name, addresses, phone numbers, and accounts on my credit report are fraudulent and need to be removed immediately. Ive even noticed completely fake phone numbers attached to my credit file. 

Im asking the CFPB to step in and make sure Experian complies with the Fair Credit Reporting Act ( FCRA ) and removes these fraudulent entries from my credit report without further delay.

Thank you for your time and attention. Im looking forward to seeing real action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Experian concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at Experian they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when Experian went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points???

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent Business Loan Application may be in jeopardy, along with other business interests.
Product: Credit reporting or other personal consumer reports

I had disputed several items on my credit report & they claim to have investigated however once I submitted the claim it came back instantly stating company says its valid & they did not investigate at all. 

XXXXXXXX XXXX  {$1400.00}, {$760.00}, {$600.00} XXXX XXXX  {$5100.00} XXXX XXXX {$1200.00}
Product: Mortgage

I was unemployed due toXX/XX/XXXXsince XXXX, XXXX. I was placed in a forebearnce program with PennyMac. I am now employed and have been since XXXX, XXXX. I submitted an application for a modification to see if the missed payments can be applied to the end of my loan and was denied because i have a previous modification in XXXX and i will not qualify until XXXX, XXXX. I asked if i can move the missed 14 payments to the end of my loan and they said that is not option.. I have to pay the $ XXXX or consider a short sale. I called XXXX at Neighborhood housing and he referred me to you. They are not willing to give me other options. I need help. 

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

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

So, my husband and I have two vehicle loans through Toyota Financial and one of the loans was being reported as late for XXXX and XX/XX/2021 when they payments were never late. Proof was not only sent to Toyota Financial but all three of the credit bureaus by the way of bank statements showing dates payments were made. Our credit was destroyed by what happened. Toyota is refusing to correct the error with the bureaus and get our scores corrected. We were stopped from buying a house because of what Toyota did.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.