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

Inability to remove incorrect address Address ID : XXXX Report number : XXXX It is not a multifamily home at XXXX XXXX XXXX XXXX Washington , DC XXXX. The correct address should be ( with the XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX ( which appears to exist on the Experian credit report as Address ID : XXXX ; Report number : XXXX ) The phone and portal prompts both went in circles, not allowing for dispute filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, EXPERIAN & XXXX ).

Thank you in advance for you help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year as of XX/XX/2022, I have notified XXXX that 2 bankruptcies that XXXX continues to report as accurate and verified is still being reported on my report. Fact is since XXXX of XXXX  XXXX of which XXXX has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that XXXX persists to be accurate and verified. Turns out that XXXX has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to XXXX 's unconscionable and illegal business practices of which they XXXX  DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.
Product: Mortgage

There has been issues with our mortgage company paying things for our escrow account that they shouldn't have like our XXXX  XXXX  insurance policy and paying other insurance policies without our consent. However, this is not my main concern. Our escrow account was in a deficit until XX/XX/2023, we paid it off and it was positive. At the beginning of XX/XX/2023, we notified them of our property tax exemption. On XX/XX/XXXX, Cross Country Mortgage advanced funds for our personal insurance for the amount of {$2200.00}. Upon doing this federal law states that they are required to conduct an escrow analysis before recouping the funds, this was not done. Cross Country Mortgage continues to charge us {$1000.00} a month, even though the escrow account is paid off again and positive {$1500.00}, with no other items to be paid. They are charging us more than XXXX of our annual escrow payment and are holding more than XXXX of a cushion. It is against the law for them to do so. They refuse to do anything and continue to charge us late fees and inspection fees because I am now refusing to pay them the {$1000.00} extra for the escrow account which is not owed and illegal for them to collect. We have contacted Cross Country Mortgage numerous times and all employees refuse to do anything, they deny all violations, and continue to charge us, until they decide to do an annual escrow analysis.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXXXXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Debt collection

Tri-State adjustments is trying to collect a debt that is past my state statute of limitations so I no longer ordered that plus they are reporting it to the credit bureaus and it is negatively impacting my score. I also believe that there may be more than one account related to a single debt reported to my credit agency which is making my turn off balance of amount of money old go up inaccurately
Product: Debt collection

Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Debt collection

I told them I didnt sign up to pay for Experian I was told it was free and it said it online and it credit it me and now made my bank in the negative and I am not paying something I didnt sign up for. If someone could please fix this.
Product: Checking or savings account

I deposited a XXXX check and was told it would be available next day and theyve put a 7 day hold on it. I have no XXXX my XXXX will be shut off tomorrrow and I have people calling about job interviews. They cant keep putting holds on certified bank draft checks. Its my money and they told me itd be available next day and its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've sent out two letters to Experian regarding a collection on my credit report. The account still remain and not have been fully validated. This collection is shown up as a " joint '' on my report and this debt is not mine. I've sent out a letter on XX/XX/XXXX and another as well XXXX  month later on XX/XX/XXXX. 

Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX Amount : {$900.00}
Product: Money transfer, virtual currency, or money service

My complaint is about the bank allowing international scammers to launder the proceeds of crime through the bank. My bank in the XXXX has informed me the bank are aware these people are using these accounts to steal peoples money and yet still allowed this to happen. The bank in question here is : Wells Fargo XXXX XXXX CT XXXX XXXX California CA XXXX. 

2 fraudulent transactions were processed through this bank/ a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my report that I did not authorize from XXXX XXXX  XXXX XXXX dated XX/XX/2017.
Product: Vehicle loan or lease

Applied for loan with American acceptance credit abd was denied but they are reporting that I have loan. I have denial letter
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, this XXXX XXXX dispute belongs to my XXXX father, XXXX XXXX XXXX XXXX but is wrongly being associated with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Product: Credit card or prepaid card

Capital One has locked my account so I have to pay extra fee over the phone and has not kept their promises, On or around XX/XX/2020 I made a {$35.00} payment for my card with a {$530.00} balance and was told that if I made another minimum payment ( {$25.00} ) on XX/XX/XXXX or XXXX ( can not remember which ) they would report me as being current and they would not report me before then. 3 days ago I got a report from XXXX and XXXX  that Capital One reported me as being 90 days late going against everything they had promised me on or around XX/XX/XXXX. This is not the first time they did not go by their policies nor their promises made to me. This is the 4th time I have had to file a complaint with you and XXXX against them for fraudulent practices and/or false promises. This is causing me more money and since closing my account has dropped my credit score over 100 points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). I have attempted to resolve these issues multiple times, yet you have failed to conduct a proper investigation and correct the errors.

I recently became aware of the CFPBs lawsuit against Experian, which alleges that Experian engages in sham investigations of credit report disputes. The lawsuit highlights Experians systematic failure to properly investigate disputes and correct inaccuracies, as well as the practice of reinserting erroneous information into consumer credit reports. These actions are clear violations of federal law, and I believe my case reflects this pattern of non-compliance. 


Disputed Items XXXX Account XXXX XXXX Reason for Dispute : Date Last Active is incorrect XXXX XXXX XXXX XXXXXXXX Account : XXXX Reason for Dispute : Date Last Active is incorrect XXXX XXXX XXXXXXXX Reason for Dispute : This inquiry was not authorized FCRA Violations and CFPB Lawsuit Reference Experians refusal or failure to properly investigate and resolve these disputes constitutes a violation of : 15 U.S.C. 1681e ( b ) : The obligation to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i : The requirement to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681c ( c ) : The requirement to remove outdated and obsolete information.

Furthermore, the CFPB lawsuit confirms a disturbing pattern of non-compliance by Experian, which includes neglecting to properly investigate disputes and causing harm to consumers by perpetuating inaccuracies in their credit reports. 



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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I paid sunrise credit services {$260.00} on XX/XX/year> and another {$260.00} on XX/XX/year>. The company made a settlement that if I paid this amount twice my debt would be resolved in 24-48 hours.
Product: Debt collection

According to FCRA section it is illegal to report information on my credit report without permission. Thank you please remove this off of my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and ive noticed. I have some fraudulent accounts along with some inaccurate information in my report. Please removed them they are affecting my ability to obtain credit.
Product: Payday loan, title loan, personal loan, or advance loan

One Main loan. XXXX. Charge off. {$12000.00}. High interest rate do to add-on 's.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax credit reporting agencies both refuse to remove chapter XXXX bankruptcy that was dismissed and no longer legally held against. They continue to respond that it was verified by a third party vendor which is not accurante and XXXX XXXX  is providing false information. However XXXX has already deleted from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Debt collection

I am extremely upset and confused that this was included information below in my credit profile. These items are not reporting 100 % accurately. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 
is affecting my credit and also my life. 

Please delete this misleading information and supply a corrected credit profile to all. This collection account only appear under XXXX Bureau. please compare with other Bureaus. 
Thank you and I sincerely look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge of over {$1500.00} from Jefferson Capital Systems for XXXX phones that I never ordered. I never owned XXXX of those phones, and I'm assuming that someone used my personal info without my permission. I want something done as I shouldn't have to jump through hoops to get this fixed.