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

I am filing this complaint against Experian for their ongoing refusal to remove fraudulent and inaccurate addresses from my credit report, despite multiple disputes over the past six months. I have provided Experian with all necessary documentation, including government-issued identification, to verify my correct personal information. Despite this, Experian has ignored my requests, failed to conduct a reasonable investigation, and continues to report the following fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are tied to identity theft and fraudulent activity, and they are not associated with me in any way. Experians refusal to act demonstrates blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to : Conduct a reasonable and thorough investigation of disputes. 
Remove unverifiable or inaccurate information promptly. 
I have provided evidence, including screenshots, showing that Experian has repeatedly marked my disputes as verified without conducting a proper investigation. Their inaction has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue emotional and financial distress. 

Experian has had more than six months to address this matter, yet they continue to ignore my disputes. Their negligence is unacceptable and has left me with no choice but to escalate this matter.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting or other personal consumer reports

I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts
Product: Vehicle loan or lease

XXXX XXXX on XX/XX/2022, was in a XXXX XXXX and XXXX XXXX vehicle. Is the leaseholder. My complaint is against XXXX XXXX and XXXX XXXX and all its Dealerships. XXXX XXXX and all their Franchises have colluded together to charge a market correction invoice charging {$5000.00} over XXXX of {$25000.00} {$31000.00} Sometimes even {$10000.00} per car. All the Dealerships say it's a supply and demand they have a shortage of cars and more demand because of chips and XXXX XXXX. They're slow walking the inventory to market. Not only XXXX but all the car makers are doing the same to overcharge on these vehicles. You don't have an option to buy at a fair price. You have an XXXX problem with the XXXX XXXX. They have a XXXX on the price. They will not negotiate the price. This is not a fair market in XXXX. The Insurance company appraised my vehicle at XXXX XXXX we had a payoff of {$26000.00}, If I wanted to buy the car I would pay XXXX plus tax. XXXX came up with a different amount charging XXXX Stealing from me over {$5000.00}. They told me it was their car they just leased it to me. That didn't matter because I would be paying XXXX if I wanted to buy my lease car. This is a banking fraud Nothing on their website nothing in any of the lease documents. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681.

Equifax is governed by 15 U.S.C 1681, equifax has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.0XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of the Equifax data breach, which compromised my personal information and has raised concerns about potentially fraudulent accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting detailed information on the method of verification used to confirm the legitimacy of the following accounts appearing on my report : ACCOUNTS : XXXX XXXX Inquiries : 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

XXXX XXXX XXXX I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Checking or savings account

Sent a XXXX in the amount of {$100.00} that ended up being fraud. Was told that there is nothing they can do about it. 

Wellsfargo
Product: Mortgage

I have an agreement with my mortgage company ( Pennymac ) for them to pay my real estate taxes out of an escrow account. I recently ( XXXX ) received a notice of delinquent real estate taxes from my county advising me my home will be put up for sale on XX/XX/XXXX if payment is not received. The payment was due XX/XX/XXXX. 
Pennymac is notoriously difficult to deal with on the phone ( hard to get through to an agent, agent is not knowledgeable ), so I sent a message to them through their internal Website messaging system. I am waiting to hear an explanation for how this could be and that they will be paying the past due amount immediately and will include payment ( out of their own pocket ) for late charges and interest fees.
Product: Debt collection

I went to close a safe deposit box a t Wells Fargo in      2013.  I physically went to  Wells Fargo location  on  XXXX   XXXX  in  XXXX , Tx to close it again and pay the rekey fee which was {$120.00}. Now 4 years later I received a certified letter on  XXXX   XXXX  stating that I owe {$400.00} as well as {$120.00} rekey fee. I visited the location a second time as tried to pay the {$120.00} rekey fee to close it out but not the {$400.00} accumulation charge because I already tried to close it out i n 2013 and  they  were aware of this. This is a deceptive practice for Wells Fargo to hold the box 4 years to purposely accumulate more charges as i have been stated and attempted two time s to close out this box. Post offices as well as other local banks and companies close out boxes if they are not renewed in an alotted time period and the box ower is charged a rekeying fee. This was not the case wit h Wells Fargo  as there was a lack of communication on their behalf to notify me until 4 years later that I received and continue to receive this absurd {$400.00} charge.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Inaccurate Credit Reporting Dear CFPB, I am writing to file a complaint against Experian regarding the inaccurate information being reported on my credit report. 

Today, I spoke with XXXX XXXX XXXX at XXXX PM, and they confirmed that the loan I settled with them on XX/XX/2023, is not a charge-off account. They received their payment on XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), any inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. A charge-off occurs when a creditor determines that a borrower is unlikely to repay several months of missed payments and subsequently writes off the unpaid debt as a loss. Such negative marksincluding missed payments, charge-offs, and collectionscan significantly harm a consumers creditworthiness. 

Given that XXXX XXXX XXXX has confirmed the status of my account, I respectfully request that you compel Experian to remove this account from my credit report due to inaccurate reporting. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

The account that was opened was fraudulent and I have tried to show the The police report and I'd theft .gov papers and the photo of me and my address and they still say it mine and it's not... I'm disappointed in all this to correct something that isn't mine and never was and was never in California
Product: Mortgage

XX/XX/XXXX I got behind in my mortgage payments. My mortgage is a Texas Fixed Rare Mortgage. XXXX XXXX XXXX transferred it to Nationstar and I returned it to status. I did not sign a Modification at any time increasing my interest rate at any time, XXXX it was increased to 5 %, which put a burden on me and my granddaughter, we are on food stamps and Tanf. It is illegal to do this without written authorization.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$8000.00} to handle some debt. I agreed on a 3 year term to payback {$300.00} every month. I have 10 months left to finish. They gave me an option to change my due date because the way I get paid has change and this was a year ago. I never had a problem paying and I'm always on time. I even have an option to pay the XXXX earlier than the due date. This is where the problem happen on XX/XX/XXXX I paid the XXXX and it was deducted from my account. On XX/XX/XXXX, they sent an email stating there was an error on their end and my amount was not drafted correctly so they went and drafted the amount themselves. The way I handle my finances I did not have the amount to cover it which left my account negative. On top of that I have rent of XXXX that was coming out of my account on XX/XX/XXXX with a paycheck of XXXXand my lights and phone was suppose to be paid with that check. Which left my account XXXX on top of the over draft fee my bank charge which was {$35.00} and I do not have the funds to cover the next over draft fee. The lending company agreed to refund me the amount on XX/XX/XXXX but it will take 5 business days. For each day my bank account is negative I will have occurred an overdraft fee. This has left me in a messed situation and my bank can not overturn the amount either. I setup my payments accordingly and without warning or care they felt its ok to draft the money because their system was hacked or something. I should not be held responsible since I did my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Collection Accounts : # XXXX # XXXX I am sending this letter to you in response to you reporting the above referenced accounts. Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card has been paid off in full since XXXX and my credit card is still reporting the balance thats been on the card since XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Fraudulent Accounts and Inquiries Due to XXXX Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Experian Consumer Services, I am writing to formally request the removal of multiple fraudulent accounts and inquiries from my credit report, as I am a victim of the XXXX data breach. Due to the breach, my personal information was compromised, and unauthorized accounts were opened in my name. In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I am requesting that Experian block and delete all fraudulent accounts and inquiries listed below from my credit file. 
Accounts to Be Deleted 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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX  and XXXX all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit
Product: Debt collection

This is not my debt, I don't owe XXXX XXXX XXXX any amount. This debt continues to be reported to the credit bureau. This is the XXXX time that I have had to report this inaccurate collection to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to the credit via mail to attempt to resolve a creditor reporting on my credit as UNKNOWN. How can a debt be verified if it is unknown furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 business days, per FCRA Section 605B which are allowed for fraud cases, experian has failed to remove XXXX/XXXX and inquiry. 

They have responded that they will work on it trough XX/XX/2018 violation the above regulation
Product: Credit card

On XXXX I entered into an agreement with XXXX XXXX XXXX XXXX to install quartz countertops the total cost was XXXX to include material and labor. The contract included a 3 day right to cancel. Now fast forward to XXXX we received another quote from another contractor for the same exact quartz but this quote included backsplash, this quote came in at XXXX material and labor. I called XXXX XXXX and they cancelled my order and initiated the refund, but now XXXX XXXX XXXX wants to charge me a 35 % cancelation fee because the fabrication was started. I will not be charged a fee for the start of fabrication, because that fee was not disclosed, in my opinion a XXXX XXXX  business is taking advantage of me. I would like a full refund and no cancellation fee charged. I am sure that XXXX sq feet of quartz can be used in another job, it has not been cut my specifications as that part of the process was not completed. When I spoke the XXXX the customer service manager at XXXX XXXX In XXXX XXXX the XXXX location on XXXX she assured me that a full refund would be issued of XXXX. Now they are saying that they can not over ride XXXX XXXX XXXX, who works for XXXX XXXX. Please help me to resolve this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from ALLY Bank saying that XXXX XXXX XXXX reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from equifax on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX of XXXX and XXXX is XXXX but they lied about this score however they obtained it.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to request evidence of my signature in the loans shown on my credit report as I never applied for any and I have never gotten a copies. Instead I been harassed and called daily. I want evidence of my supposedly purchase with my signature in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I want validated that seem to be not accurate and one account that is in collection that should not be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Shut down as a company and sold the original contract. This debt has been charged off, this debt is not mine. Please forward original contract
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXXe XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXXe XXXXb - 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.