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

Experian has failed to fulfill its legal obligations under the Fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed in formation on my credit report, leaving inaccurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, 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 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

1. Starting about XX/XX/XXXX Rushmore has commenced to calculate interest payment portion amount at a non daily siple imnterest loan ( XXXX ) contrary to Note Agreement. I have contacted servicer about this & they claim there using the amortization schedule instead to their advantage. This is their attempt to slow me down & continue to collect higher interest amounts. 
2. This mortgage is paid thru current next payment due date XX/XX/XXXX. 
3. Im attaching a letter from servicer stating the above as well a payment history showing starting XX/XX/XXXX how they are calculating interest at a NON daily simple interest ( XXXX ) method that is contrary to the Original Note Agreement dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear TransUnion/ XXXX/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted TransUnion/ XXXX  XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX regarding several discrepancies and issues that have negatively impacted my credit report. The details of my complaint are as follows : 1. **Multiple Accounts Reported on Credit Report** : I have discovered a total of 3 accounts reported on my credit report from different variations of this comapays name or affiliated companied ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ). Some these accounts appear to have been initiated by XXXX XXXX XXXX XXXX without my consent . 

I am unable o provide account numbers and specific information about these accounts due o the fact that they have limited information listed on my credit profile 2. **Credit Builder Account** : I am aware of one account, a Credit Builder Account , which I opened and have since paid in full and closed. During the tenure of this account, I was offered a secured credit card. 

XXXX. **XXXX XXXX XXXX  XXXX : The secured credit card was funded by pulling money from my Credit Builder Account . Over time, as I made payments, I chose to have the funds moved to the secured credit card fund. Upon paying off the Credit Builder Account in full, all the funds were transferred to the secured credit card. I was informed by a XXXX XXXX associate that I would not receive a payout because the money would be applied to my secured credit card.

4. **Late Payment Reporting** : Despite the funds being applied to my secured credit card and my Credit Builder Account being paid in full and closed, I am still receiving late payment notices for this secured card in which i was also told was closed. This is highly confusing and unjust, considering I was led to believe that all payments were up to date and correctly managed. 

I am requesting an immediate investigation into these matters. The incorrect reporting of multiple accounts that I did not open is a serious issue that requires rectification. Additionally, the mishandling of my secured credit card funds and the erroneous late payment reports are damaging my credit score and financial reputation. 

Furthermore this company has also violated my rights under the FCRA. 
15 US Code 1681 section 602 15 US Code 1681 section 604 section 2 15 US Code 1666b I would like the late payments removed and account agrees to Paid as agreed, never late
Product: Credit card or prepaid card

On XX/XX/XXXX I called during business hours early in the day to get a new debit card because my old one was lost I also lost another card the same day and called for replacement. The one card netspend when I called they said no problem to the replacement but if I wanted it in the next 5 days they would have to XXXX for a price of {$50.00} I declined it so they said my card would come within 7-10 business days. On XX/XX/XXXX they texted me to say my card is on it's way. Today it is the XXXX and still no card I called to find out what happened they said that if I don't get my card by XXXX XXXX I should call back. My complaint is they force you to get your card XXXX XXXX   because they don't make any money on mailing you out a new card through regular mail. I have prescriptions to be filled and rent to be paid my monthly pension check comes on this card so I have no money until I get the new card. I called Social Security right after I called netspend and XXXX XXXX told me the card should be to me in 7-10 business days I received the card on XXXX. I know the FTC has won a settlement against netspend but it seems like they did not learn any lessons from that nor did they change any practices. I am not sure what can be done but I am trying to find an alternative from my pension plan but I know I am not alone. As charging extreme amounts to get your card sooner and make you suffer to get your card by mail take super long. Right now they are holding my pension hostage until I get my card.
Product: Credit reporting or other personal consumer reports

NCA is reporting fraudulent inaccurate information on my credit report. Ive requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me. Also NCA collection company isnt authorized or have a license to conduct business in the state of Florida.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ran my credit and found an error in my credit report I filed a dispute in the beginning of XXXX. Stating that the information is incorrect there is a wrong address for the said collection charge off of XXXX XXXX   XXXX XXXX XXXX. I sent a letter however the address that they have on my credit report and it is incorrect. So the letter was not deliverable. I have a stamp copy from the United States postal service indicating the address is not a good address. Also they do not have any account numbers and other information. They have multiple incorrect items on my credit report. I also sent a copy of the validation letter in that envelope two trans union. And I have copies of the stamped envelope that was addressed back to me By the United States. Post office. Trans Union still refuses to remove this incorrect item. Please help. They must remove this off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX this address is incorrect. How can I send them a letter to validate this issue if they put the wrong address on the credit report. Again they are missing the account number the correct address and many other things they must remove this out of my credit report. How can I send them a validation letter, if the address is not deliverable.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

Equifax is reporting an account as being a credit card/ charge account, when in fact it is a revolving account. I have reached out to Equifax and I also have several complaints that I have expressed, but I have yet to hear from Equifax. The account that needs correction is XXXX, XXXX XXXX. Date opened : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. 

Also the credit bureaus took more then 30 days.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the presence of an account listed under your name on my credit report, identified by the account number. This account does not belong to me, and I have no knowledge of it. I have never opened, applied for, nor authorized any loan or credit with your company, and I request that you immediately investigate and remove this erroneous information from my credit report. 

To date, I have made multiple attempts to resolve this issue, including contacting both your company and the credit bureaus. Despite my repeated efforts to verify the validity of this account, it continues to appear on my credit report, causing significant harm to my credit standing. I have never had any dealings with your company and do not recognize this account in any capacity. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate or incomplete on my credit report. As this account is not mine and I have no knowledge of it, I am disputing it as inaccurate.

In accordance with 15 U.S.C. 1681s-2 ( b ), I ask that you conduct a thorough investigation into the legitimacy of this account and provide proof that this account is indeed tied to my identity. If you can not provide evidence that this account is mine, I request that you promptly remove it from my credit report. 

Despite my previous attempts to resolve this, the account continues to appear. I believe this is a clear violation of your obligations under 15 U.S.C. 1681e ( b ) to ensure the accuracy and integrity of the information you report to credit reporting agencies.

I request the following actions from your company : Immediate removal of this account from my credit report if you can not provide proof that it is mine. 
Written confirmation that the account has been removed. 
A guarantee that this account will not reappear on my credit report in the future. 
If this matter is not resolved promptly, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the relevant state authorities. 

Please treat this letter as my formal dispute and request for resolution. I expect a response within 30 days, as required by law. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Lviv account number XXXX XXXX date XXXX XXXX XXXX XXXX XXXX account XXXX XXXX date XX/XX/XXXX two joint account Im single wrong debt on my credit scoring with XXXX XXXX XXXX account number XXXX date XX/XX/XXXX XXXX date all three equal XXXX XXXX in bad debt on credit scoring not mine dispute with XXXX   has negative items on credit til XX/XX/XXXXXXXX XXXX account XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX
Product: Checking or savings account

Unauthorized Card Transaction : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and noticed transaction ( s ) that I did not make. I had my debit card in my possession and did not authorize anyone to use my card or my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee Total {$11000.00} + {$100.00} wire fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent 1 week And I called again they said the claim is denied. Chase says they are not at fault and it's my fault. I didn't even get any calls and email for confirm this transaction. 
This is chase security issue. 
They even told me to contact the person who sent the money. 
Of course I don't know who they are. 
I think it's something I made up. 
I asked chase supervisor what to do. 
She told me report the police so I did.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Dear Equifax This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX  XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt
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 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 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 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 have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As far back as XX/XX/2021, I've been writing to XXXX XXXX for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian I am writing to inform you that there is information on my credit report that has resulted in identity theft. I have not provided written permissions or instructions for the identified transaction to be reported on my consumer report. Therefore, I kindly request that the reporting of this information be blocked and deleted. 

I want to emphasize that my request to block is not being made in error. Additionally, my request to block is not based on a material misrepresentation of fact by me that is relevant to blocking the identified transactions. It is important to note that the identified transactions do not pertain to any transaction made by me as the consumer. The transactions in question are as follows : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX no third party involved According to the Fair Debt Collection Practices Act ( FDCPA ), upon the consumer 's request, you are obligated to block all transactions reporting to my consumer report within 4 days from the date of receipt of this notice. I am eagerly awaiting your prompt response. 

Thank you for your attention to this matter. 

XXXX XXXX