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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to confirm a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was released due to the improper release of information from Equifax servers. That information included my name, Social Security number, birth date, addresses, drivers license number, and might include credit card numbers. I have requested Equifax put a fraud alert on my account.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original creditors as requested. I'm demanding that this account be removed immediately : ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I emailed Shellpoint Mortgage Servicing/New Rez LLC of outstanding property tax bills I received that were due in XXXX. This was for the loan portfolio XXXX XXXX, XXXX. This email went to the loan servicing email which they recommend using as well as my assigned contact XXXX XXXX, and XXXX XXXX a supervisor who has helped me in the past with other issues I have had. 

On XX/XX/XXXX I emailed the same people as well as managers, XXXX XXXX and XXXX XXXX to notify them of property tax bills that were imminently due. I also emailed XXXX XXXX and XXXX XXXX, my contacts at XXXX XXXX XXXX who hold the loan and are responsible for transferring the servicing of my loans ( even though everything was perfectly fine with XXXX ) regarding my concerns. To give a little background, I have had a number of issues since Shellpoint took over the servicing of my loans last year and have been emailing them for continued assistance as you will see in the email chain I have attached. 
Communications regarding these outstanding property taxes have been ongoing with all parties since XX/XX/XXXX when the last email I received stated the issue was being escalated. Needless to say, nothing was done and I received a " Statement of Delinquent Taxes '' this week for two of my properties ( attached ) which now includes hundreds of dollars in late fees. I have also not received refunds for the late fees they paid out of my escrow account for other property tax bills they paid late. I can't imagine this is legal! 
This whole process has been very stressful for me and I need a resolution to ensure this will not be an ongoing problem. I can not keep spending my time trying to get Shellpoint to do their job.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX my husband and I got XXXX spark XXXX from XXXX XXXX XXXX and it wasn't a vehicle that we necessary wanted because it is too expensive with monthly payments and lower interest rate with being on fixed income and XXXX XXXX not that great. They said in 6 months we would be able to trade it in at lower monthly and interest rate as long as we make payments on time. If we didn't want to trade it in 6 months we would be guaranteed to refinance, and we have tried XXXX different refinancing and have been denied the first one was Ally and The second was Santander where we finance now at and the last one was Tresl which the underwriter was XXXX and the reason we are being denied according to XXXX XXXX XXXX from XXXX XXXX he said that because XXXX has cap on interest rates and it is 12 % and that state of VA XXXX on interested rate is 12 % that is why we can't get refinanced because our interest rate at this time is 29.99 % and XXXX XXXX and XXXX XXXX both told us from Easterns at the XXXX VA location, that in 6 months if we make our payments on time that we would have no problem with refi or trade and we are having problems getting it trade in or refi. we can't afford to keep paying {$530.00} a month and Easterns knew that because I verbally discuss this with them, and we submitted our rent lease and bank account and social security income. they prey on the poor and low income, and they LIE all time. I have contacted XXXX and XXXX to trade and they had us come out and look at another vehicle to trade and then they said it wouldn't be a trade it would be XXXX vehicle payments and I have been talking and going over everything with XXXX XXXX from Easterns and he advised us to come out and we have been approved for a trade in and then when we get there XX/XX/XXXX it isn't a trade in it is another vehicle and we declined because we can't afford another vehicle. We also put down our old vehicle and {$500.00} down.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 XXXX years. 
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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXXXX/XX/XXXX XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX {$97.00} XXXX XXXX - XXXXXX/XX/XXXX XXXX {$2000.00} XX/XX/XXXXXXXX - XXXX Accounts : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX - XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony/Care Credit is a paid account. They have not updated the account as a XXXX balance to any of the credit bureaus. The representative stated I had to call on XX/XX/2022 to have it manually reported to the bureas. XXXX XXXX does not report the account as a XXXX balance themselves. 

I explained to the representative, on XX/XX/2022, when the account was initially paid, that I am trying to get a home loan. The money was paid from my debit card, I received a confirmation number, and the money was debited within minutes of my authorization. 

I explained time was of the essence. I am a recent widow and XXXX XXXX. The representative promised me the balance would be reported immediately, given my circumstances. It appears that the promise was a false statement and that the company representative was making promises just to get a payment from me. 

I called again on XX/XX/2022. The representative informed me I have to wait a 21 day XXXX  waiting period and will not receive a letter that it is a zero balance until after that time. I explained about applying for a home loan and what the other representative stated, that the zero balance would be reported immediately and I would receive a letter confirming payment. 

The company misrepresented the facts to me. Interest rates are going up, and the company is costing me thousands of dollars. Given that I am a recent widow, and a recent XXXX XXXX, I would have hoped Synchrony/Care Credit would have had compassion for my case, and not misrepresent their payment arrangements. 

Synchrony/CareCredit also stated it was my responsbility to call them and request the zero balance be reported. This should be something the company automatically, as part of the reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with XXXX XXXX which was opened XX/XX/2012 the account was paid off XX/XX/2012 XXXX  XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete
Product: Debt collection

I received a debt collection letter and I am requesting Debt Validation Contract For Debt and assignments according to Fair Debt Collection Practice laws
Product: Consumer Loan

WELL FARGO REPOSSESSED MY CAR FOR FALSE REASON OF INSURANCE THAT HAS BEEN CLEARED BY MY INSURANCE COMPANY. WHEN THE CAR WAS RELEASED AFTER FEW DAYS, THE CAR WAS DAMAGED AND THE WHEELS WERE REPLACED TO THE BAD ONES, INCLUDING SPARE TYRE. MY PERSONAL BELONGING IN THE CAR WAS ALSO STOLEN. MY LOSS SUBMITTED WAS $ XXXX.WELL FARGO DENIED RESPONSIBILITY AND ASKED THE CLAIM SHOULD GO TO THE RECOVERY AGENT. THE RECOVERY AGENT DENIED. ANY CLAIM SHOULD GO TO WELLFARGO.
Product: Checking or savings account

On XX/XX/year>, I noticed suspicious unauthorized activity involving my checking and retirement accounts. I promptly informed both XXXX and Bank of America. After numerous calls ( over XXXX hours ) since the incident, XXXX still refuses to release the funds in the checking account ( {$5100.00} ) because they have a restriction on that checking account. A savings account of {$.00} also has a similar restriction. 

On XX/XX/year>, again via numerous calls, Bank of America told me to go to an onsite location in order to have the funds in the restricted checking account released. I went that same day and the onsite representative spent about an hour and half on XXXX phone calls. The end result was the same. XXXX wealth refusing to remove the restriction or allow me to move the funds elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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

This is XXXX XXXX and I am submitting yet another CFPB Complaint requesting the deletion of the fraudulent items off of my Credit File. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX  Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. Also, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me any documents to support such claims.
Product: Credit card

I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.
Product: Checking or savings account

On XX/XX/XXXX I submitted dispute for card company and was told I have to wait 20 business days since I'm a new customer but I have been with netspend for 3-4 months now so I don't understand why it's the 12 business day now and my provisional credit it's not in my account
Product: Debt collection

I get a daily automated call on my cell phone and home phone number from XXXX XXXX XXXX. I don't know what this is for as I don't have any debt. I used to get a call from a guy name XXXX but that is not me. I don't know who this person is but someone keeps calling me and harassing everyday.
Product: Debt collection

Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to both XXXX  and XXXX. They are stating that the original amount of the debt is {$93.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to the bureaus. The amount of this debt also continues to grow with interest being tacked on and now sits at {$200.00}. I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/ i did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XXXX XXXX XXXX XXXX XXXX XXXX XXXX its showing that im late on my payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with my credit report regarding my XXXX XXXX account ( Account XXXX : XXXX ). Despite making a payment to settle the balance, which was confirmed by a correspondence from XXXX XXXX, my credit report still reflects an incorrect balance and late payment remarks. 

Details : Incorrect Balance : My credit report shows a balance of {$3400.00} ( TransUnion and XXXX ) and {$3300.00} ( XXXX ). However, the payment I made has cleared this balance, and the correct balance should be {$0.00}. 
Incorrect Payment Status : My credit report indicates a status of Late 60 Days ( TransUnion and XXXX ) and Late 30 Days ( XXXX ). This is inaccurate because the payment was supposed to be covered by my insurance company, and the correct status should be " Paid. '' Steps Taken : I have received a payment confirmation from XXXX XXXX, verifying that the account has been settled and should reflect a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a different date of last activity from the other bureaus. They are reporting the date as XX/XX/XXXX while XXXX reports it as XX/XX/XXXX and XXXX reports that the date is XX/XX/XXXX. Obviously, all three bureaus are reporting incorrect information. 

Based on the date of last activity, it is apparent that Equifax illegally re-aged this account. 

Also, Equifax failed to validate this account as the last reported date is listed as XX/XX/XXXX.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$0.00} account # XXXX 30 days in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Bank of America has begun charging a 3 % service fees on transactions I have made with online retailers. The transactions all take place on US websites and are conducted in US dollars -- no foreign currencies are involved at all. When I inquired about the charges with BofA I was told these retailers are using foreign banks to process their transactions. When I pressed them on what additional costs BofA is incurring versus a U.S. bank  the customer reps said they did not know. However, when I asked the retailers about this the retailers claim they use US banks for US transactions not foreign banks for transactions in the US. This has now happened with at least 3 different retailers/vendors that I use. When I used other credit/debit cards for these transactions I am not charged any service fee.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy with Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX  account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} Equifax : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00}