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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Retired XXXX XXXX of 27 years XXXX XXXX. Attempting to purchase a home and when looking at my credits reports found a few negative items that have caused myvloan Aplication to be denied. I have paid those items however the still dont allow me to be approved for any type of laon. I have disputed thro the credit bureS and the companies directly to no end. This unfair and im am requesting that these items all be permanently removed. 
Any assistance you can proved is greatly appreciated. 

Respectfully XXXX XXXX XXXX XXXX XXXX Retired XXXX XXXX
Product: Checking or savings account

On XX/XX/21 my card was used to take out {$400.00} at a casino in XXXX, Colorado as well as used for another charge. Wells Fargo had declined a claim submitted stating that someone close to me or I had authorized this charge when that is completely false. I did not ever authorize these charges. After escalating for 2 weeks and never receiving a call back from their Executive Office, i called and they said a letter detailing what information was used in determining their decision was being mailed to me. This Executive Office did nothing to help the situation. I am now out {$450.00} dollars due to their incompetence to conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the mishandling of credit disputes by Experian and XXXX. These disputes concern inaccurate charge-off information reported by XXXX XXXX XXXX XXXX Despite providing substantial evidence contradicting the reported information, the credit bureaus concluded their investigations by simply verifying the data provided by XXXX XXXX XXXX without adequately considering my provided evidence. 

Detailed Account of Dispute and Responses : Initial Discovery and Dispute Submission : XX/XX/year> : Identified discrepancies in credit reports from Experian and XXXX regarding an auto loan marked as a charge-off with an outstanding balance of {$10000.00}, reported by XXXX XXXX XXXX XXXX 
Submitted detailed disputes to both bureaus with supporting documents, including payment records and correspondence with XXXX XXXX XXXX that disputed the charge-off status. 
Credit Bureaus ' Responses : XX/XX/year> : Received responses from both Experian and XXXX. Each bureau stated that after their investigations, they found the information provided by XXXX XXXX XXXX to be accurate and made no changes to the charge-off entry on my credit reports. 
Actions Taken and Documentation Provided : Provided payment histories and detailed chronological correspondences with XXXX XXXX XXXX, attempting to correct the financial records. 
Highlighted discrepancies in the reported balance and status directly to the credit bureaus through formal dispute letters. 
Impact of Inaccurate Reporting : The erroneous charge-off on my credit reports has severely affected my credit score, leading to credit application rejections and potential financial harm due to increased interest rates on new credit applications. 
Concerns Over Investigation Adequacy : The responses from the credit bureaus suggest a lack of a thorough investigation into the disputes, as they did not address the substantive evidence I provided that contradicts XXXX XXXX XXXX reporting. 
Request for CFPB Intervention : I am requesting the CFPB 's assistance to ensure a thorough re-investigation of these disputed entries. I believe the credit bureaus have not fulfilled their obligation under the Fair Credit Reporting Act to perform a proper investigation and to maintain accurate and verified information on my credit reports. I seek the CFPBs support to rectify these inaccuracies that have resulted in significant personal and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquires I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital 1 reported a late payment in XX/XX/2020, I've never been late on this account before or since they reported this. 

Acct number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX regarding their handling of multiple disputes I have submitted concerning inaccurate information reported by the consumer, American Credit Acceptance. Despite advising XXXX several times that the information they are reporting is inaccurate, they have failed to update the information accordingly. 

Over the course of these disputes, XXXX has acknowledged receipt but has not taken appropriate action to correct the inaccuracies. Additionally, I currently have an active dispute open, but I am unable to access or review this pending dispute. When I reached out to XXXX for assistance, they confirmed the dispute was open but did not provide any means for me to view its status or attach supporting documents to substantiate my claim. 

Due to the number of disputes I have filed and XXXX continued failure to report the information correctly, this has caused me significant life challenges. I am being denied housing opportunities based on inaccurate credit information and have limited access to essential resources. These inaccuracies are creating an ongoing crisis in my life, making it difficult for me to secure stable living conditions and move forward. 



Disputed XXXX XXXX XXXX information as accurate when it was not accurate which caused my score to drop Disputed XXXX XXXX denied dispute and kept information as accurate Disputed XX/XX/year> - XXXX denied dispute and kept information as accurate Disputed XX/XX/year> - XXXX denied dispute and kept information as accurate Disput Called American Credit acceptance to update information to credit beauras on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then reversed update and it effected credit neg XXXX American Credit Acceptance Adjusted my balance from XXXX to XXXX when the was incorrect the company recieved a bulk check of XXXX due to the car being totaled. 

The company has also stated in a attached letter of complaint my accurate amounts but still submitted false information about payments and how many payments have been made XXXX or American credit acceptance is NOT updating information, the last reports from XXXX from the company was in XX/XX/year> and they have not updated since.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been in contact with Experian and transferred from department to department to resolve this. They have informed me they can't fix it on their side even though they control it. The following is what happened. 

I applied for a refinance on my mortgage. My mortgage company came back with my credit score. They informed me what adversely affects my credit score. The values were XXXX, XXXX, XXXX, XXXX. They informed me that a couple of those values mean " To many accounts with balances ''. Another means that I'm using to much credit. 

I tried to dispute this will Experian because # 1. I am only using 5 % or less of my available credit. 
# 2. I have 1 out of 9 or 10 credit cards that have a balance. 

So there is no way i can have to many accounts with balances. Also there is no way I'm using too much credit when I am only using 5 % of my available credit. I have 2 car loans, 1 of which is almost paid off. The other car loan is around XXXX. Then I have 1 credit card that carries a balance. What they reported to my mortgage company is false. I paid Experian {$4.00} on their website for my mortgage score and it shows exactly what my mortgage company pulled. I understand mortgage scores can be a little different BUT THEY SHOULD NOT HAVE FALSE INFORMATION. 

When speaking with Experian reps, I received the " run-around ''. They kept switching me from dept to dept. They informed me there is no way to internally investigate. They informed me there is no way to dispute that information. Then i was informed that maybe my mortgage company pulled a " XXXX : score. I informed them mortgage companies do not pull XXXX scores. They do not use those for mortgage loans. My loan disclosure clearly state that experian was used. Do to Experian 's lack of updating my reports I will suffer from higher interest rate over the life of my loan. 

The day I was on the phone with Multiple Experian Reps was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXXXXXX XXXX account XXXX, XXXXL XXXX account XXXX, XXXX XXXX account XXXX, XXXX CARD account XXXX, XXXX account XXXX, XXXX account XXXX, XXXXL XXXX account XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed the documentation related to the aforementioned account, and it has come to my attention that the charge-off entry is incorrect. I have never received any written validation notice as mandated by USC 1692g. Furthermore, the accuracy of the charge-off entry itself is questionable and could potentially be a violation of 15 U.S.C. 6801, as there has been no prior notification of any charge-off proceedings. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 


I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My phone numbers XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have four days from the date of receiving those letters to remove those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Product: Student loan

On XX/XX/XXXX, I received an email from several student loan companies telling me it was time to re-certify for Income-Based Repayment. On XX/XX/XXXX, I filed re-certification paperwork with www.studentloans.gov -- copy of email verification attached. On XX/XX/XXXX, I received notification from American Education Services that the student loan re-payment paperwork was received from www.studentloans.gov -- copy of email attached. On XX/XX/XXXX, I received an email from American Educational Services that I was denied the request for income-based repayment, with no explanation given, and told to see an upcoming letter for the reasons -- copy of email attached. I recently received TWO letters on XX/XX/XXXX from American Educational Services, both arrived on the same day and both dated XX/XX/XXXX. The first letter stated that I was denied because " I applied too early '', the second letter once again stated I need to re-certify for Income Based Repayment given a due date of XX/XX/XXXX. Then rejected for " too early '' and told to reapply again with deadline. I called the company today on XX/XX/XXXX to discuss the issue. The customer service representative told me I should consider re-applying in XX/XX/XXXX!!!, because of some XX/XX/XXXX date in their system, despite the fact that the letter has a deadline of XX/XX/XXXX. I told the rep about the XX/XX/XXXX date and the rep said " try applying again end of XX/XX/XXXX and see if that works ''. Terrible! I have not had this kind of problem with ANY other student loan company. All my other student loan companies have received the same info from studentloans.gov at the same exact time in response to annual re-certification and approved my request with no hassles. I am greatly dissatisfied. People should not be treated this way and have to be at the mercy of random games played by a student loan company, when you have no clue what you actually need to do to satisfy their rules for Income-Based Repayment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). I previously disputed the following items on my credit report with Equifaxbecause I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : TXXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) . My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.