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

I am writing to file a formal complaint against Experian for its failure to conduct a thorough investigation into inaccurate items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I diligently submitted a dispute letter to Experian via USPS certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took great care to include a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. Despite these efforts, Experian refused to conduct an investigation. 

Subsequently, I received a response from Experian, dated XX/XX/2024, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. This failed to acknowledge the substance of my dispute and provide a resolution. The response lacked clarity and did not address the evidence provided to verify my identity and address. 

Experian 's failure to conduct a reasonable investigation into the disputed items on my credit report is a direct violation of my consumer rights under the FCRA. As per the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. It seems evident that Experian has infringed upon my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as mandated by the Fair Credit Reporting Act. 

Enclosed, you will find a copy of the dispute letter I sent to Experian, along with proof of USPS certified mail delivery and Experian 's subsequent response. This documentation serves as irrefutable evidence of my efforts to rectify inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the practices XXXX/CONTFIN, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Upon reviewing my credit report provided, I discovered several inaccuracies and discrepancies that have had a detrimental impact on my financial standing and personal well-being. These discrepancies include inaccuracies, such as erroneous account information, incorrect payment history, and unauthorized inquiries. 

I would like to draw your attention to the following sections of the FCRA, which I believe XXXXCONTFIN has violated : 15 U.S.C. 1681e - Accuracy of Information : XXXXCONTFIN is required to maintain reasonable procedures to ensure the accuracy of consumer information in your files. The inaccuracies present in my credit report demonstrate a failure to fulfill this obligation, resulting in adverse consequences for me. 
15 U.S.C. 1681i - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute regarding the accuracy of information provided by a consumer reporting agency, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my previous attempts to dispute the inaccuracies in my credit report, XXXXCONTFIN has failed to conduct a thorough investigation and correct the errors. 
15 U.S.C. 1681g - Disclosures to Consumers : XXXXCONTFIN is required to provide consumers with access to their credit reports and disclose the information contained therein. However, the inaccuracies in my credit report suggest that XXXX/CONTFIN has failed to provide me with complete and accurate disclosures as mandated by the FCRA. 
I demanded that XXXXCONTFIN take immediate action to rectify the inaccuracies in my credit report in accordance with the FCRA. This includes conducting a thorough investigation into the disputed information, correcting any inaccuracies, and providing me with a revised credit report reflecting the accurate information. 

Furthermore, I requested that XXXX/CONTFIN provide me with a written explanation detailing the steps taken to address my complaint and prevent similar issues from occurring in the future. 

Failure to comply with the provisions of the FCRA may result in legal action being taken against XXXX/CONTFIN I trust that they will take this matter seriously and promptly address my concerns.
Product: Credit reporting or other personal consumer reports

I looked at my report recently and notice an account wasnt reporting accurately. I had teo late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached screenshots of each bureau reporting the inaccuracies im complaining about, to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting on my credit history as derogatory. I am now aware of the account that is fraudulent. I would like further details & requesting a removal at this time. The following inquires showing were not applied by me as well Im demanding removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  Two  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Early Warning Services XXXX XXXX XXXX XXXX XXXX AZ XXXX RE : Consumer ID # XXXX Ref # XXXX Dear Early Warning Services : I have received your recent response to my initial inquiry and request for verification of Account Abuse/unpaid ( {$150.00} ) from XXXX XXXX XXXXXXXX XXXX Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from XXXX XXXX XXXXXXXX. 
Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by XXXX XXXXXXXX XXXX. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. 
The full names, addresses, and direct telephone numbers for each of the individuals at XXXX  XXXX XXXX that you contacted in the course of your investigation Please also be advised that a verbal confirmation from XXXX XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 
Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of [ State ] Attorney Generals office, if the matter is not satisfactorily resolved. 
If you are unable to furnish the validation specifics listed above, and the Account Abuse/unpaid ( {$150.00} ) is not removed from my Early Warning Services file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. 
To facilitate the swift correction of this matter, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX XXXX Fl XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Rent Recovery Solutions - XXXX XXXX XXXX XXXX, XXXX, GA XXXX Account : XXXX XXXX XXXX XXXX  This was found on my report this week. I was never contacted by the original company ( XXXX XXXX XXXXXXXX XXXX ) or the collection agency with a bill. The original company has fabricated multiple reasons that I allegedly owe them money for. Each one was documented in emails with them, each one was proven to be false. Finally they removed my ability to see if they added or removed any billing items form my account by removing account access to view the billing. 

The next time this resurfaced was when I noted it on my credit reports on Monday XX/XX/XXXX. I contacted the collections agency immediately and spoke to a csr named XXXX. I asked why i had not received any billing form them or the original company, named above. She acknowledged that no bill had been sent out claiming that they had just received the debt. The derogatory remark on my credit report was placed on it XX/XX/XXXX and no attempt to contact me was made. I believe they were parking the debt on my report, knowing it to be fraudulent. The last contact I had with XXXX XXXX XXXX XXXX was on XX/XX/XXXX when they claimed I owed XXXX for replacing the rugs do to wear and tear. I furnished them pictures of the unit showing the unit had no rugs and was all new vinyl flooring that was put in in XXXX and in excellent condition. 

When I responded with the proof they ceased communications and removed my ability to see if they rectified the false billing. The next time I saw any notice was when XXXX XXXX alerted me of the negative comment, the amount they were claiming was now {$6500.00}. I was never billed for this amount, never given any valid reason for this bil and there for would like to report both the collections agency for unfair debt practice as well as the original company XXXX XXXX  XXXX XXXX.
Product: Debt collection

I was looking over my credit report and I saw this negative collection item of {$340.00} or something I do not recognized from a company called PENN CREDIT CORP the report shows the account was openXXXX XXXX 2019 and the original creditor was XXXX XXXX XXXX XXXX  I would like this to be permanently removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC [ XXXX ] To whom it my concern, The Fair Credit Reporting Act I have learned that your Consumer Reporting Agency has assumed a vital role in providing accurate and fair information to the banking system 15 U.S.Code 1681 ( a ) ( 1 ) the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report15 U.S.Code 1681a ( 2 ) ( A ) ( i ).

I the consumer have the right to privacy pursu 15 U.S.Code 1681b ( a ) ( 2 ). Your agency has violated my right to privacy by furnishing private information about me without any lawful author. my written consent.

or I the consumer understand that " investigative consumer report '' Means that your agency has the obligation to hold personal interviews with neighbors, friends, or associates that may have knowledge about any such items in question, However, Your agencies only go off the word of the creditor which is a violation pursuant to 15 U.S.Code 1681a ( e ) Debtor Collectors have practiced abusive practices as stated in code 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I duly request that all collections be closed as they are listed as open. Account can not be validated by original contract or proof that I owe them debt with a signed agreement between myself and debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to retrieve my credit score or report from Transunion. It is causing me frustration, with understanding where my credit score stands.
Product: Debt collection

I have ask XXXX for Valdation of Debt that I owe the collection Agency
Product: Mortgage

i had a mortgage funded by RP funding. I wanted to refinance to consolidate debt. i provided all docs and everything was fine and i was told oi would not have to pay mortgage for like 2 months. Obviously, i had to pay the pre-paid interest for one of the months and that was fine. The refinance loan closed on XX/XX/XXXX and on XXXX XXXX RP funding did the auto withdraw from my bank account leaving my bank account temporarily short for upcoming other auto withdrawals for things like water bill and electric bill. I attempted to get RP to immediately cancel the auto withdraw and nothing happened. Was forced to threaten legal action if not refunded within 24 hours. Their chief of customer service finally called me and told me i was at fault for not stopping the auto withdrawal. WOW WHAT A TERRIBLE THING TO DO. The old mortgage and teh refinanced mortgage are both under RP FUNDING. Totally unprofessional.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , , block information appearing on my consumer credit 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 consists of person credit cards and other accounts. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies involved is XXXX, Equifax and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Product: Money transfers

i ordered computer parts and payed with my paypal account. when i clicked the summit button it said thank you for using pay pal credit. i know i did n't sign up for paypal credit the money was taken out of my regular paypal account they are duping people into believing they signed up for it by mistake.i have ordered many times from paypal and i know i filled out the forms correctly. and when i clicked the summit button to transfer money from paypal to XXXX it magically turned up saying thank you for using paypal credit ... .if i used paypal credit why was the money taken out of my regular paypal account?
Product: Credit card or prepaid card

I made a purchase at Apple.com, signing up for their Apple Card ( Goldman Sachs ) for a financing offer on XX/XX/XXXX. Part of the order was not due to ship for a month ( manufacturing backlog ) and part of it shipped immediately. 

On XX/XX/XXXX, I decided I would buy the items locally and cancelled the order with Apple. I immediately shipped back for the part of the order I received and shortly after receiving the return, Apple refunded  me for that, however the part of the order that hadn't shipped yet was still " pending '' on my card and the card was still showing a balance. 

I contacted Goldman Sachs ( who backs the Apple Card ) and explained the situation. They told me Apple had to release the pending charge and then transferred me to Apple. The Apple rep told me it was Goldman Sachs who is holding the pending charge and told me to contact them again. 

I give it some time to hopefully allow the pending charge to fall off and 2 weeks later, on XX/XX/XXXX, contact Goldman Sachs again, who proceeds to tell me it's Apple issue. In the meantime, Apple support had already emailed me a Credit Memo, showing the credit of the returned merchandise but absolved itself of the pending charges as they are not the bank. They insist there is nothing they can do about this. 

After a quick XXXX search, I'm seeing other Apple ( Goldman Sachs ) cardholders are having this exact same issue and are stuck in this infinite loop of being tossed between merchant and bank support.
Product: Mortgage

Bank of America has repeatedly engaged in unfair, poor, and deceptive practices. 

During the time when XXXX was assigned as the Customer Relationship Manager ( CRM ) /dedicated single point of contact ( SPOC ) between XX/XX/2013 and XX/XX/2013, Bank of America committed multiple acts of fraud by misrepresentation and omission. Specifically, XXXX issued multiple MHA HAMP denial letters on appeal contradicting the XX/XX/2013 Appeal Report. 

It appears whenever the Appeals Department issued an update regarding the appeal review indicating more time is needed before a determination can be issued, XXXX would issue a MHA HAMP denial letter representing to me l had been denied MHA HAMP on appeal. A classic tit-for-tat move designed to mislead and deceive. 

XXXX, as the SPOC, is prohibited from conducting appeal reviews on this account. Furthermore, it is not the duty or responsibility of the SPOC to issue determinations on appeal. 

Also previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to XXXX XXXX AND TRANSUNION only Transunion fixed the issues XXXX and XXXX refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.
Product: Credit card

I'm really worried about seeing this late payment on my account because I've always paid on time. It's XXXX  me out a lot, so I'm asking you to fix it by removing it as soon as possible.
Product: Debt collection

I fell behind on payments with Synchrony Bank due to a family medical emergency.I contacted the company regarding phone calls and I was told that in order for them to stop, I had to begin payment on my account. I agreed to post dated checks for 6 months at about {$250.00} ( last one being for the month of XXXX XXXX XXXX THE SAME DAY MY LAST CHECK POSTED XXXX/XXXX/XXXX I started getting the harassing calls again. They call every single day multiple times a day including weekends. Most of the time they hang up and never leave voicemails. My next Payment is not due until XXXX.