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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Inaccurate Credit Report and Failure to Conduct Thorough Investigation Experian Dear Sir/Madam, I am writing to formally request your immediate intervention regarding a matter of inaccurate reporting on my credit report by Experian. Despite my diligent efforts to dispute erroneous entries on my credit report, Experian has failed to conduct a thorough and accurate investigation into the validity of the accounts in question. As a result, these inaccuracies have remained unresolved and continue to negatively impact my credit. 

The inaccurate information on my Experian credit report does not reflect the true status of my accounts, and its continued presence is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that all information reported must be accurate and verifiable. Furthermore, under FCRA Section 611 ( a ) ( 1 ), upon receiving a dispute, Experian is required to conduct a reasonable investigation and correct any inaccuracies within a reasonable time frame, typically 30 days. Experian 's failure to do so constitutes a violation of my rights as a consumer. 

Additionally, under FCRA Section 605, any negative information that can not be verified as accurate must be removed from a consumer 's credit report. Since Experian has failed to properly investigate and verify the accounts in question, I am requesting that you assist in ensuring that Experian immediately removes these inaccuracies from my credit report, as they are not substantiated by factual evidence. 

I am aware that Experian is currently facing legal action for their failure to comply with these very requirements. Given this, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to enforce my rights under the law and ensure that Experian corrects these errors, as I am entitled to a credit report that accurately reflects my financial history. 

Please take action to compel Experian to comply with the Fair Credit Reporting Act and remove the incorrect entries from my credit report. I trust that the CFPB will hold Experian accountable for their failure to conduct a proper investigation, as outlined in the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX
Product: Debt collection

This already happened back in XXXX from the company XXXX  where someone open an alarm system under my name in XXXX XXXX nevada under my social security number but in a different address i do not live or own and under a different phone number. I requested all information on the contract which the company at that time provided and the signature on the contract does not match mine, i reported it to the police and I received a file number under XXXX with officer XXXX. Now that i check again my credit report some company showed up under collection from XXXX  smart home care from zion debt holdings which i do not recognize and not authorize for the amount of {$2500.00} this was reported since XX/XX/XXXX  from my credit report, there was no notice given or mail received regarding this debt. I would like to open an investigation regarding this alarm company XXXX  because they have been opening accounts and using other peoples name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Experian, XXXX and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXX Bank credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! XXXX!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all XXXX  credit agencies letters ....
Product: Checking or savings account

I deposited a check onXX/XX/XXXX for {$5900.00} and waited for Citizens Bank to clear the check before using those funds for any transactions. I specifically asked them when the check would clear, they replied " tomorrow at 3 ''. I checked my account online and the funds were still pending when I asked that question. I checked and the funds were no longer pending and were now shown in my regular funds that are available on XX/XX/XXXX so I went ahead with the transaction onXX/XX/XXXX. The check for {$5900.00} was withdrawn onXX/XX/XXXX The check was " recalled by the bank '' according to the teller and I was charged with an overdraft. Even though I had waited for the check to clear before making a transaction. I would have never had made that transaction if I knew there was even a remote possibility of that check being recalled and the funds no longer being available. Now I 'm out nearly {$1900.00} from that transaction and the bank will not accept responsibility for their actions. I also just received a statement back for my overdraft with a copy of the check that is stamped " Altered/Fictitious '' ... Why was the check cleared in the first place if that 's the case? And why was it moved from pending to funds available on my online account? And why was I told it was recalled by the other bank that obviously does n't even exist?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity was stolen and numerous cards were opened in my name fraudulently without my permission. I called Capital One to make them aware. I believe the day I called was on XX/XX/XXXX. At that time someone from the fraud dept told me the accounts were being closed and they were sending me some information w/in 7-10 days. 14 days had passed and I still had not received anything in the mail. I called again and the mngr in the fraud dept told me someone forgot to mail the info out. The next day I received a call from a manager who claimed to be assigned to my case. I could not answer the call and he left a voice msg stating " the act has been reviewed and they have reached a desiscion '' ( I still have the voicemail ) At that point I immediately called them to complain because they had not sent me 1 letter regarding the fraud and I still had not sent them my police report along with other important information. I spoke to supervisor XXXX in the fraud dept who told me that no one should have contacted me stating that because the acts were still under investigation. I stressed to her that this is ridiculous that someone would call me to tell me this without having any information that I have in my hands. At that time she said that it would take 30-90 days before someone might be assigned to my case and she also stated to not do anything with the act. A few days later I received a notice from XXXX  that my credit score had dropped 81 pts due to being late on a Capital One act. This should not even be on my credit report due to fraud and now it dropped my score 81 pts. I have reached out to Capital One 3 times after this and as of today XX/XX/XXXX I have not heard back. I have attached police report that I have mailed into the XXXX  as well as Capital One.
Product: Credit card

I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.
Product: Credit card or prepaid card

I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity. 
I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved.
Product: Credit reporting or other personal consumer reports

The presence of a negative rating on my account is a source of great XXXX for me. I'm extremely concerned about how it may affect my credit standing. This rating has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until the matter is resolved.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by TransUnion, XXXX XXXX XXXX concerning XXXX  XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Complaint XXXX ; Chrysler Capital responded to my complaint however the problem still remains they attached a copy of the contract however which did not state that the loan would not be re-amortized after GAP by not doing so they changed the date of payoff as set forth in the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX  XXXX, XXXX/XXXX  XXXX and XXXX  XXXX
Product: Debt collection

My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove a fraudulent XXXX card from my credit. I have tried several times to inform them of the false information. Ive never had that account it is fraud and not mine, also a XXXX account is on my report that is fraud and not mine they refuse to remove it I have also only ever lived at XXXX XXXX XXXX XXXX tax and XXXXXXXX XXXX  XXXX XXXX XXXX since XXXX  all other addresses or not correct
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a victim of the Equifax data breach and also a victim of Identity Theft, my personal information has been compromised and used without my consent to create or modify accounts fraudulently. The details of the fraudulent accounts are as follows : Account Name/Number 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: Debt collection

I had received numerous calls, received a letter but was not sure of the process, I then received a writ of summons but never received actual verification of debt. Account was closed with out my permission, it was reported charged off, creating an adverse effect on my credit worthiness.
Product: Credit card

I am writing to formally address a significant issue I have encountered with my account, which has been a source of frustration and inconvenience. I have been a loyal customer for over 12 years, and throughout this time, I have maintained a positive relationship with your institution. 

However, my account has been blocked since XX/XX/year>, following an attempt to purchase appliances at a XXXX XXXX XXXX store. Despite numerous phone calls and considerable time spent attempting to resolve the bank 's concerns, I was instructed to provide additional documentation. 

I initially sent the requested documentsmy ID, Social Security card, and a utility billvia fax on XX/XX/year>. Upon being informed that the images were unclear, I resubmitted the documents on XX/XX/year>. Despite this, I was again told that the images were not satisfactory, leading me to mail the documents on XX/XX/year>. 

Despite these efforts, I continue to face issues with my account and have been unable to receive clear responses or resolutions to my concerns. Additionally, my inability to access my account online prevents me from making a full payment on the current balance, which is accruing interest charges. 

This situation is unacceptable and requires immediate attention. I request prompt resolution of this matter, including restoration of my account access and clarification on the status of my documentation. Furthermore, I urge you to address the interest charges that have accumulated due to this issue.
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX XXXX XX/XX/2023 - XXXX
Product: Mortgage

i got help from XXXX who started paying are morgatge payment XX/XX/23 still inside the grace period. they ( amerisave ) say thier not getting them I showed them proof and still started forclosure on us and reported this lie to the credit breuros credit went from XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U. S. C. 1681C-2 ) that you Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate, and false information consist of personal loans, credit cards and collection accounts, which are the following : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account # ( XXXX ) $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, account # ( XXXX ) {$9900.00} |XXXX  XXXX opened XX/XX/XXXX, account # ( XXXX ) $ XXXX XXXX XXXX opened XX/XX/XXXX, account # ( XXXX ) $ XXXX XXXX XXXX  opened XX/XX/XXXX, account # ( XXXX ) {$120.00} IVE SENT dispute letters, called, even online disputes. these accounts are not only invalid, but I've tried to receive help multiple times, and this isn't Fair! it's against the law, I never gave anyone permission to submit anything onto my personal credit report therefore it needs to be removed immediately! I do not recognize aforementioned accounts, collections, and or hand inquires are the result of identity theft and fraud. i have attached a copy of FTC identity theft criminal complaint # ( XXXX ) as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I request that you remove these fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Student loan

I have private student loans with discover. There are a number of loans and I have been struggling to pay and get a lower payment. They charged off several of them on XX/XX/2019. They claimed that they called me but I never received the call and they did not leave message. They called on XX/XX/2019 and I spoke to them. I asked about reversing the charged off loans and was advised that they have a great reversal department. When I called that department after bringing the remaining loans current they advised that they would not reverse but would settle for 70 % of the amount owed but that I would have to make a down payment of over {$7000.00}, and that the loans would have to be paid off in 5 years instead of 10. I advised that that was quite obviously impossible to which they responded there were no other options. I am trying to pay the loans and work with them but they make it such that even with their so-called options it is still impossible to pay. So essentially the only option is to have mine and my father 's credit forever ruined. They are worse than loan sharks.
Product: Mortgage

I was recently notified by mail that there was a new sale date set for XX/XX/2022, not giving me enough time to try to do anything about it. I am working with XXXX to stop the foreclosure and complete a loss mitigation application. Every time I have received an application in the mail from Rushmore, I have completed it and sent it with requested documents and never hear anything back. XXXX sent a package to Rushmore on XX/XX/2022 with no response. I gave Rushmore written and verbal permission to speak with my XXXX representative. I am willing to restart my mortgage payments with the exception they allow me to pay the Home Owners insurance an taxes separately, thus lowering my monthly mortgage payment. I started a new job at the beginning of XXXX and I'm doing well there. I have not received any more loss mitigation applications from Rushmore after giving permission to speak with the XXXX representatives. There's no communication what-so-ever. It would be mutually financially conducive for Rushmore and myself if they would consider lowering my monthly payment and allow me to pay the taxes and insurance separate. I do not think it's too much to ask. I would have happily downloaded the application from their website but they have blocked me from logging in, therefore I also can not access any previous documents regarding my account. Please advise as soon as possible, as this is EXTREMELY time sensitive at this point. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information on my credit report, which I previously reported to TransUnion on XX/XX/XXXX. However, I have not received any response from them to date. I kindly request your assistance in addressing this matter. 
Below, I have outlined the details of the inaccurate information on my credit report, along with the required corrections : 1. Inaccurate Account Information Account Number : XXXX Company Name : XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$370.00} Issue : The late payment reported on this account is incorrect. This account was never late, and I request that the late payment be removed from my credit report. 


XXXX. Account Not Mine Account Number : XXXX, XXXX Company Name : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3600.00} Date Opened : XX/XX/XXXX Issue : This account does not belong to me, and I request that it be removed from my credit report. 


XXXX. Account Not Mine Account Number : XXXX Company Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account does not belong to me, and I request that it be removed from my credit report.