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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or 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 furnishers, 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 I provided, causing ongoing harm to my credit standing. 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. 
Accounts Impacted : Violation per 15 U.S. Code 1681 XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Unauthorized Inquiries : XXXX ( Inquiry Date : XX/XX/year> ) Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures.
Product: Checking or savings account

I applied for a savings account with PenFed Credit Union and I was denied access to opening my account due to my credit score that they apparently received from a consumer reporting agency. I received a letter dated XX/XX/2022, from PenFed Credit Union which is included in the attachment stating that my credit score at XXXX is XXXX. I do so believe that a consumer like myself can't have a credit score below XXXX which is included on their document. Consumer reporting agencies have a grave responsibility to report impartial, fair, and accurate information about a consumer to ensure the banking system continues to function properly. I understand that without me the Consumer, there is no credit or banking system. I demand that my account be opened.

Points of Authority 15 U.S. Code 1681 - Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been with American Express sence XXXX. America express has Destroyed my credit. By the COVID 19 program.. I enter in there program so I could catch up on my business loan. So I could pay down some bills ... they said they would consolidate all my payments into one payment for {$240.00}. They said it will report to the credit bureau 's as paid as agreed.This was a lie it's not true they report to the credit bureau 's as Partial payment. The credit bureaus perceives partial payment as late payment they gave me 30 day late and 70 late payment ... this is not true I payed my bills on time and never pay late ... American express drop my credit score from XXXX. To XXXX, that's not right and not fair I never been late paying my bills on time.
Product: Debt collection

I am a victim of identity theft, I dont know anything about it. The amount they say I owe is XXXX on XX/XX/2023 XXXX
Product: Debt collection

About one year ago, The Bureaus placed a collection on my credit report. This was originally a XXXX XXXX card, that was a XXXX store card. My father in law, XXXX XXXX opened the account soley, and only listed me as an authorized user. I did not sign for the card. 

My father in law passed away on XX/XX/XXXX. I was not notified of the balance on the account until this was placed on my account. I disputed this with XXXX, and XXXX XXXX and the company responded that the debt was valid. 

I called the number on my credit report associated with this debt. I did not reach the Bureaus, but reached XXXX XXXX. They stated they are a third party communicator for the Bureaus. I have 21 documented phone calls to this company requesting proof of signature to show I did not use this account. They stated on several occasions that they had requested this information from the Bureaus but it was never sent back. I then requested the original signature card to prove I didn't open the account or sign for anything. This has been requested twice, the last time being XX/XX/XXXX. I still have not received this, and XXXX XXXX is so frustrated with me calling that they gave me the number to the Bureaus. In the past, when you call the Bureaus, the phone loops you right back to XXXX XXXX. 

I have called the Bureaus 8 times in the last two weeks to obtain the signature card that was requested and never supplied, which violates the FCRA. They hung up on my twice, transferred me to XXXX XXXX twice, and never returned my calls. 

This invalid debt has stopped my refinance on my home. I have tried to resolve this several times under the law to no avail. I have requested proof of debt, and have requested the original paperwork when the account was opened even from XXXX XXXX. They stated they no longer have the documentation as the account was sold over 4 years ago. 

I have just disputed this with XXXX  again, in hopes to get this corrected. I have followed all the rules, and have asked for documentation under the law. I have requested transcripts of recorded calls from XXXX XXXX, and have been told that I they can not release those. 

I am desperate to have this resolved. I supplied my father in laws death certificate to both collection agencies, and XXXX XXXX acknowledged that my name NEVER appeared on any statements, but refuses to send me a transcript of that phone conversation. They also refuse to send me transcripts for the calls in which I requested information that was NOT supplied within the 30 day period under the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report. Upon reviewing my report, I have identified stark discrepancies in the reporting of negative items across the three major credit bureaus : TransUnion, XXXX, and XXXX. These inconsistencies have had a detrimental impact on my credit score, and I firmly believe that these items have been reported falsely. I request their immediate investigation and removal.
Product: Credit card or prepaid card

Wells Fargo is misrepresenting and contradicting attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Question : Why does the government allow Experian to charge for something called " file lock '' ( https : //www.experian.com/blogs/ask-experian/how-to-lock-your-credit/ )? It seems this company is intentionally ignoring the orders and laws of congress to provide identity protection through various means, i.e. credit monitoring, fraud alerts, and security freeze a responsibility of each of the three reporting agency. 

To the point, if you do not pay them $ XXXX {$29.00} a month Experian will leave your credit file unlocked and anyone ( including the hackers- hello, the bad guys!!!! ) who already have the a person ( s ) credit and identity information the result of previous credit bureau hacks can access your credit file information again. This is an outrage! How is this protecting people credit files??? 

It's quid pro quo, pay us or we release your credit file! This is very suspicious, please investigate!!! 

Thank you! 
A Taxpaying citizen, who has been repeatedly screwed over by my government officials who let these BIG companies go with a slap on the wrist!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fundingXXXX XXXX XXXX. XX/XX/XXXX says updated XX/XX/XXXX. XXXX $ on my credit report sent into collections and I have no idea what this is, yet its still being updated!
Product: Checking or savings account

On XX/XX/XXXX, I received an email that my card payment company Square Inc that supports my website and my all business payments deactivate my account for no reason. I used this company for almost 3 years without any issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They deactivated with more than XXXX on account, and now I can't pay for rent, material, and my living, XXXX XXXX XXXX XXXX XXXX XXXX XXXX kids. All my trust in this company is broken. We never had any issues, and that's why I had a trust to keep my hard-working money on a square account. I called but nobody helped me and now I am left with nothing. Please, I need help withy account. If you need me to provide any documents I will. 
I will, XXXX XXXX XXXX XXXX XXXXs, my rent store agreement and zoning documents. 
My account connected to my email My business never did anything illegal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX its a small business.
Product: Vehicle loan or lease

My daughter 's father passed away on XX/XX/2022 unexpectedly. She is his only heir and he had no estate, so there is no probate required. She is young and very, very upset. Since that time, she has tried to work with DriveTime/XXXX  to handle dealing with the car that is financed through them. They have been unprofessional and put her through all kinds of hoops to even get someone to speak with her. Today, she was told that in order to return the car, the car has to be put on the street instead of being kept in a gated, safe condo complex, and the repo people are third party and they will not communicate when they are coming. This car is now uninsured and if it's stolen off the street, they will undoubtedly come after her to pay the balance. This is a scam and a fraudulent practice. If they really wanted to protect their assets, they wouldn't respond in this irresponsible manner. Putting the car on the street is just asking for it to be stolen. The time is running out for my daughter to return the car and then they indicated that they will come after her, even though she has done everything right. They are dishonest and will do anything to make money, even when people are at the lowest point of their lives. They need to work with people to avoid putting them in an even worse position. I'm sure they would love for the car to be stolen so they have the chance to come after my daughter instead of taking responsibility for their assets in the manner they are obligated.
Product: Credit reporting or other personal consumer reports

I was looking over my credit profile and noticed an auto loan account that I did not authorize or give my permission to open under my credit profile. I reached out to creditor XXXX XXXX XXXX and they told me to dispute with credit bureaus which I did. The credit bureaus gave me instructions and document I would need which Ive obtain and mailed in certified mail. Since I completed all instructions, theres been no resolution. No communication. The information in their system so screwed up, when I call in to be updated on dispute, I cant access my credit profile due to inaccurate info on my credit profile when doing the verification questions.
Product: Debt collection

This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. 

DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX
Product: Debt collection

Receivables Perfom is currently reporting a paid Collection account on my most recent XXXX Credit Report. 

The debt was paid to the original creditor. It was not paid to third party. 
Written request for complete information concerning the debt have not been answered nor addressed as of today.
Product: Vehicle loan or lease

U.S Auto sales went out of business and sold the loans to Westlake portfolio the repossessed my car after payment and wanted me to pay my loan off in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I  Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!
Product: Credit card

I opened WF XXXX about XXXX months ago with 0 % int until XX/XX/XXXX. My avg balance of {$6000.00} was setup to auto pay IN FULL every month. This month 's min pay was {$68.00}. My XXXX bank account was temp halted for suspicious activity XX/XX/XXXX so the {$6700.00} PAYMENT IN FULL rejected. I logged in WF acct and paid {$3700.00} from BV and it was successful on XX/XX/XXXX well before due date of min payment due {$68.00}. I then logged in WF and paid the {$3000.00} remaining balance. It never posted so I called WF and had the rep request do another {$3000.00} payment. XXXX bank saw XXXX transactions as suspicious on XXXX and rejected. Since I paid {$3700.00} on XX/XX/XXXX well before due date and much more than minimum of {$68.00} all should be good. In the meantime a purchase of about {$190.00} on XXXX was declined. I logged into my WF account and was STUNNED a paid up to date NEVER LATE CC was canceled with no notice. WF customer service said closed for XXXX rejections. I paid off all new charges in full expecting they'd reconsider and reopen acct. Instead they kept my {$130.00} cashback rewards since acct is closed. Told me just reapply. I'll never do business with Wells Fargo again.
Product: Credit reporting or other personal consumer reports

identify you and your account. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or 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 furnishers, 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 I provided, causing ongoing harm to my credit standing. 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. 

The inaccurate accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to allow XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is over half a year difference. Due to reporting inaccurate information I want the account deleted. I am showing proof of the inaccuracy directly from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # 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.
Product: Mortgage

Follow up to Caliber Home loans complaint filed on XXXX Documents to support my in initial complaint. 
1. Letter from Caliber detailing my approval for forbearance deferral and increased mortgage amount and payment date. 
2. Proof of full increased mortgage payment and date from XXXXXXXX XXXX which caliber claims I did not make or they put it towards the forbearance amount. 
3. Letter from XXXX  XXXX XXXX closing my CC because of Caliber 's atrocious Credit Bureaus Reporting against me. 
4.Letter from Caliber demanding {$36000.00} on XXXX or face foreclosure. 
THIS IS WHAT I AM CURRENTLY FACING WITH CALIBER HOME LOANS AFTER BEING IN AN APPROVED FORBEARANCE PLAN AND PAID MY FULL INCREASED MORTGAGE MONTHLY PAYMENT AS REQUIRED ON XXXX WHICH CALIBER APPROVED AND ACCEPTED.!
Product: Debt collection

My last payment to XXXX XXXX was paid automatic though my checking on XXXX XXXX for {$24.00}. I went with a new insurance company in XXXX so would not opened them anything. 
I can send picture where it showed this clear my checking account.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Disputed unrecognizable inquiries but they are still there. There are a lot of companies inquiring my credit without my knowledge.
Product: Mortgage

Back on XXXX XXXX our loan modification was completed and filed ( attached ). We were having difficult times financially that led us to contact our lender for help with options. I was told about loss mitigation which would move our missing payments to the end of the loan. At the time to even qualify for loss mitigation we needed to be current which we were. We had to go delinquent to qualify for loss mitigation with only the goal to try and bring down the mortgage payment. We went delinquent for 3 months as required and then started our new trial payments. We missed no payments other than those to qualify. I believe I was mislead on the impact of what this process would do and what the $ XXXX was for on the deed of trust partial claim. Our mortgage when all said and down went down only around {$60.00} a month. The loan modification/loss mitigation process would essentially cost us $ XXXX for ultimately no real benefit. The amount was deceptively misrepresented and predetermined and not reflective of the situation we were in at the time which was only delinquent for 3 months to try and get the lower mortgage. We were never near foreclosure or not paying during these times. Now fast forward to XX/XX/XXXX we are selling and 2 days away from closing and see that we owe $ XXXX to HUD for a partial claim when we never needed any help close to this amount. 

At a minimum we would have expected 3 months worth of payments to be moved to the back of the loan ( $ XXXX ) and understood from the representative this $ XXXX number to be a max allowed to cover us if we did go deep into the need which again was never the case. Im essence 3 months of payments cost $ XXXX. There is again no mention of how this number was determined or why or the timeframe of consideration or current amounts due. 

I feel we were deceived snd mislead. Had I been told the full ramifications and impact that these minimal savings a month would cost us $ XXXX at any given time over the course of my loan I would never have done it. We are now one day from closing and have no choice but to proceed. Sadly I first received a letter from XXXX claiming to be our new serviced I assumed this was fraudulent as US Bank never notified us of anything. Then I received the same letter from ISN less than a week letter confirming in my mind the letter was a scam. When logging into my US Bank account for the past few years I see no mention anywhere of a second mortgage. Theres no indication of a second mortgage anywhere including my credit reports. Our investment in our home has essentially been stolen from us by US Bank in the way this was prepared and communicated. Our lifes financial investment gone in what we thought would be a our first real shot at a nest egg. We get very little. 

I hope that your offices can help us recover wherever we can after the fact. We close tomorrow with no other recourse as US Bank is claiming this is accurate but does not reflect an amount or time factor that was even close to our situation. Please help if possible. We have been stolen from. 

Thank you in advance for anything you can do. More details available if needed.