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

I am writing to file a formal complaint against Experian concerning inaccuracies in my credit report. Despite my efforts to resolve these issues directly with Experian, the following problems persist : 1. **Incorrect Addresses** : My credit report lists addresses that are not associated with me. I have provided Experian with the correct information, yet the erroneous addresses remain. 

2. **Obsolete Accounts** : There are accounts on my report that are older than seven years, which should have been removed in accordance with the Fair Credit Reporting Act. Despite my disputes, these outdated accounts continue to appear. 

3. The Company is not sharing the methods that were used to confirm these addresses being reported. This is similar to other complaints i have seen reported where this type of information is not being reported with consumers.

4. The company will not allow me dispute addresses because of a " security risk '' but will not disclose what the security risk is. which is UNFAIR! How can I resolve an issue when they will not disclose the security issue.

These inaccuracies have adversely affected my credit standing and have not been corrected despite my direct communications with Experian. I am seeking your assistance to ensure that Experian complies with federal regulations by correcting these errors promptly. 

Thank you for your attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ Your Phone Number ] [ Your Email Address ] XX/XX/year> To Whom It May Concern at the CFPB, I am submitting this formal dispute regarding inaccuracies in my personal information on my credit reports as provided by XXXX. These inaccuracies have negatively impacted the accuracy of my credit profile, and I am seeking your assistance in resolving these issues promptly.

Details of Disputed Information : 1. Incorrect Name : My name is incorrectly reported. 
Correct Name : XXXX XXXX XXXX XXXX. Incorrect Address : My current address is incorrectly reflected or missing. 
Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Steps I Have Taken : I have contacted the credit reporting agency, XXXX, to address this issue but have not received an adequate resolution. The inaccuracies persist, and I am unable to confirm whether the appropriate steps are being taken to update and reflect the correct information. 

Impact of Inaccurate Information : Having incorrect personal information on my credit report poses significant challenges, including potential misidentification, adverse credit decisions, and improper reporting of accounts. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring XXXX : 1. Updates my name to reflect XXXX XXXX XXXX consistently on my report. 
2. Corrects my address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX and removes any outdated or incorrect addresses. 
3. Notifies any creditors or organizations that access my credit reports of the updates to avoid further miscommunication.

Supporting Documentation : I have attached the following to verify my identity and address : A copy of my government-issued ID. 
Proof of address ( utility bill or bank statement ). 
A copy of the credit report showing the disputed information highlighted. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Failure to do so can result in financial and reputational harm to consumers like myself. I trust that the CFPB will assist in enforcing compliance with these standards. 

Please let me know if further information or documentation is required. I appreciate your prompt attention to this matter and look forward to a resolution. 

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

I've spoken to numerous reps at this company about this account. This account was included in a XXXX XXXX XXXX  that was filed and ordered by the court in XXXX. In addition to that this same account was added to another XXXX XXXX XXXX that was filed on XX/XX/XXXX. When the account was initially listed in the first case it showed as " pays as agreed '' As of today the account is listed as " charged off profit loss ''. This is incorrect. 

The company name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consum
er to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!
Product: Credit reporting or other personal consumer reports

I disputed all the information that didnt belong to me and it has the wrong spelling of my name and address that does nto belong to me.
Product: Credit reporting or other personal consumer reports

This is regarding an issue from XX/XX/year>2023 and the amount in question is {$640.00} and the incident was there was a missed payment to a mortgage company named XXXX and they have me in their system as a cosigner since it's a joint mortgage, however, after speaking to a representative of their company and explaining that I am not the primary payer towards the mortgage that any missed payments should not reflect on my credit report because it's out of my jurisdiction and I also let them know since I'm not able to make independent decisions regarding this mortgage as if I'm on it by myself they shouldn't penalize me because the primary repair missed aamonthly payment. I've explained this to them, as well as, take credit bureau agency Experian of the entire scope of the situation and defending myself not being in fault of this action.
Product: Credit reporting or other personal consumer reports

hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The company Cain and Warren a collection agency had sent me bills on behalf of progressive ins company to collect a old bill from XXXX.I did pay this bill and I will have a trace put on the money order I sent them .They also sent me a letter and changed the amount which was to be odd.I paid them.I recently am trying to change my insurance to progressive  and I received a new quote # XXXX.Also number for Cain & Warren XXXX Progressive is saying I owe them {$51.00} this is the frist time I have heard thus from either one of them. This is blackmailed and frude at its best.Cain and Warren where harassing me so I ask them to stop calling my phone but I did state to them to send my info in the mail. Know since I am trying to start a new policy with Progressive this just all of a sudden came up something is really wrong with this.it us XXXX and I have not heard anything from Progressive  or Cain and Warren on this issue until now.The money order company is XXXX XXXX XXXX XXXX XXXX XXXX in which I paid them. They would only have my old address and a money order for Cain and Warren for XX/XX/XXXX is when I paid them from my notes. My phone number is ( XXXX ) XXXX my email is XXXX. I can be reached anytime.
Product: Credit card

In approximately XX/XX/2023, I purchased a XXXX XXXX from XXXX I was offered a credit card through TD Bank with low payments and no fees or interest if payments were made on time. I did not receive any statements or emails. I received a call in, I believe XXXX. I asked for statements and fees to be removed. I was told, " we don't mail statements that we already mailed. '' I was told if I paid approx {$36.00}, the fees would be removed. I paid the amount. I received a statement and tried to log in to account. A message came on screen no such account exists. I've called and can't get anyone to talk to me. I am now getting emails saying I need to make a payment, I had no way to login and no address was provided for me to mail a payment. I have email ( s ), but am unable to attach to this complaint. Can forward if need be.
Product: Credit reporting or other personal consumer reports

Experian claimed they needed documents from me in order to remove an account that was created via identity theft. I sent the documents in and continued to receive these unusual emails from them. After I'd call and ask to talk to a supervisor and only received being transferred around and hung up on. Today XXXX of their agents began to get aggressive so I asked him to transfer me to a supervisor and he became more aggressive. 


Its at a point now that their behavior is without doubt unprofessional, almost in a childlike way. They are damaging my credit personal reputation and are not adhering the the fair credit laws. 

Something is most definitely wrong with the way they are behaving, which can be seen in the emails they have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Transunion. I was recently denied a HELOC loan based on my Transunion score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The Transunion representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of Transunion, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.
Product: Debt collection

Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a XXXX has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX  and everything then a year later XXXX makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either sycnbn or JCPenney removed if one exist. So for 6 years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Additionally, I am referencing the recent CFPB lawsuit against Experian as further evidence of a pattern of non-compliance with federal consumer protection laws. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian demonstrates that Experian has a well-documented pattern of improper handling of consumer disputes and non-compliance with federal law. This case supports my claim of Experians ongoing negligence in investigating and resolving consumer disputes. I am now putting you on notice that failure to address this dispute promptly and adequately will result in escalation to other regulatory bodies.

I sent multiple dispute letters to Experian requesting corrections and investigations regarding inaccuracies on my credit report.

Despite my efforts, Experian failed to : Conduct reasonable investigations of disputes ( 15 USC 1681i ( 5 ) ).

Maintain the accuracy of consumer credit information ( 15 USC 1681e ( b ) ).

Properly handle information provided by creditors ( 15 USC 1681s-2 ).

Remove outdated information from my credit file ( 15 USC 1681c ( c ) ).

Experians failure to comply with the FCRA has caused Denial of credit applications. 
Higher interest rates on financial products. 
Emotional and financial distress due to unresolved inaccuracies on my credit report. 

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. I am now putting you on notice that failure to address this dispute promptly and adequately will result in escalation to other regulatory bodies.
Product: Credit reporting or other personal consumer reports

I disputed with Transunions website that this account is not reporting accurately. It was updated to what I have not idea. My last payment and payment history is not the same. I want this account deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY FCRA RIGHTS HAVE BEEN VIOLATED. 
These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Trans Union XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Dear Experian Consumer Relations Department, I am writing to formally request that Experian block and delete any and all accounts in my name that were associated with the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this data breach, I am concerned about the potential for fraudulent accounts or identity theft associated with my personal information.

According to 15 U.S.C. 1681c-2 ( a ), I have the right to request that Experian block and delete accounts and information resulting from identity theft. This includes the credit card account from A charged off credit card from XXXX XXXX Account Number XXXX for the amount of {$1400.00} ; a charged off credit card from XXXX  XXXX account number XXXX for the amount of {$10000.00} written off but {$10000.00} past due ; a charged off credit card from XXXX XXXX  account number XXXX for the amount of {$830.00} ; a charged off credit card from XXXX XXXX XXXX  account number XXXX for {$19000.00} ; an charged off unsecured loan from XXXX XXXX XXXX XXXX account number XXXX for the amount of {$27000.00} ; a charged off unsecured loan from XXXX XXXX XXXX XXXX account number XXXX for {$39000.00} and a hard inquiry from XXXX XXXX XXXX XXXXXX/XX/year>. Please initiate the blocking and deletion process for any fraudulent accounts or information that may have resulted from this breach.

I kindly request written confirmation that this request has been fulfilled and that the affected accounts and information have been removed. I am including my official Federal Trade Commission Report # XXXX. 
Please feel free to contact me via the information provided above if you require any additional documentation or have questions regarding this request. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX  , XXXX XXXX
Product: Debt collection

BANK OF AMERICA , NATIONAL ASSOCIATION has for over the last three years done every conceivable thing one could do to insist that the debt IT is attempting to collect derives from a promissory Note secured by a Mortgage that was executed by XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) on XX/XX/2006. 
Go to XXXX. 
The Note identified the lender as XXXX. The Mortgage stated the lender was XXXX., a corporation originated, and existing under the laws of California . 
Again, go to First Attachment. 
The disturbing issue here is the loan number that is displayed on both the mortgage, and the note is Loan Number : XXXX, with a Mortgage Identification Number registered with XXXX as : XXXX. 
Again, go to First Attachment. 
The loan number that is displaying from COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS that provides residential loans in the UNITED STATES is : XXXX??? 
Go to Second Attachment. 
COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS has never contracted, nor provided any kind of residential loan to the Consumer, as evidenced by the XXXX distinct, independent, and separate loan numbers as proven above.