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

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligation under the Fair Credit Reporting Act ( FCRA ) : Specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 

I became aware of the lawsuit filed by the CFPB against Experian regarding investigations of Credit Report Errors, and according to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 

Experian 's failure to comply with these laws has caused harm to my credit worthiness, my access to credit, as well as housing opportunities.
Product: Credit reporting or other personal consumer reports

Trans union XXXX XXXX XXXX all reporting inaccurate information on my credit report for XXXX XXXX  XXXX XXXX ARE NOT REPORTING ACCURATE, SUCH AS TRANS UNION XXXX XXXX XX/XX/2018 / XXXX  reporting XXXX XXXX reporting XX/XX/2018 XXXX THIS ACCOUNT IS ALSO SHOWING A PASS " DUE BALANCE OF OF XXXX FROM XXXX AND XXXX XXXX FROM TRANS UNION AND XXXX XXXX! ALSO THE INCORRECT CHARGE / OFF DATES ARE INCORRECT LAST REPORTED DATES ARE DIFFERENT AND ALL THE DATES OF LAST ACTIVITY ARE ALL DIFFERENT PLEASE REMOVE INACCURATE REPORTING
Product: Credit reporting

XX/XX/2017 XXXX XXXX XXXX. XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Re : XXXX File No. XXXX Dear XXXX, The purpose of this letter is to request full restitution for my personal loss. I believe that I was XXXX of the affected consumers who was : '' Deceived of the value of credit scores TransUnion and its affiliates sold '' - ( CFPB, XX/XX/2017 ) '' Deceived into enrolling in subscription programs '' - ( CFPB, XX/XX/2017 ) The total value of the items that were deemed a total loss is {$270.00}. I have enclosed a total of XXXX receipts justifying the requested amount. 

I look forward to your timely response. Thank you for your anticipated cooperation in this matter. 

Sincerely, XXXX enclosed : hard copy of the above and receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and Experian both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).
Product: Debt collection

I am writing to dispute the inaccurate reporting of a fraudulent account on my credit report, which is a clear failure to comply with the law. Upon contacting the respective banks, it was confirmed that an error occurred. Additionally, assurances were given over the phone that the account would be promptly removed. 
JXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found errors/things that don't belong to me on it. I disputed the errors, but they did not remove them from my credit report. 

XXXX XXXX XXXX for {$5400.00} does NOT belong to me and I want it removed from my credit report. 

XXXX XXXX XXXX XXXX for {$48.00} does NOT belong to me and I want it removed from my credit report. 

How is it that credit reporting agencies can put whatever they want on my credit report?
Product: Student loan

I have XXXX loans with Mohela. Due to a lump sum payment made on XX/XX/XXXX, loans XXXX and XXXX are in " prepayment status '' and do not have a due date until XXXX/XXXX/XXXX. I want to set up a customized automatic debit for the current balance due for loans XXXX and XXXX, with an automatic debit for only the interest due on loans and XXXX and XXXX. On XX/XX/XXXX I tried to set up the auto debit on Mohela 's website but they set it for the current balance due on ALL XXXX loans. This caused my payment to be greater than it has to be and more than I want to pay, so I had to cancel the auto payment. The only way to resolve this was to write a letter specifying the payment instructions and mailing it to the company. I wrote and sent this letter on XX/XX/XXXX and it was not reviewed by Mohela until XX/XX/XXXX. The auto debit is still not processed and this has significantly delayed the XXXX % reduction on my interest rates that I would like to receive. This caused XXXX  months of interest to be charged at the higher rates since I have not been able to receive the auto pay interest rate reduction and inconvenienced me greatly. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. Experian has {$170000.00}, which is inaccurate. Please have them fix my report. 

Experian also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years. 

Not one item on my XXXX  report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by XXXX points and then XXXX points there after. 

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by XXXX points and XXXX points. 

I have not missed payment with any creditor in the last 12 months. 

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My Experian score is tied to XXXX, and XXXX on my membership with Experian. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.
Product: Credit reporting or other personal consumer reports

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureau. Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding inaccurate information XXXX has reported on my credit report. Specifically, the data provided by XXXX is incorrect and does not accurately reflect my account status. 

I have attempted to address this issue directly with XXXX and/or the credit bureaus, but the inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act, which requires accurate and complete information. 

I request that the CFPB investigate this matter and ensure that XXXX corrects or removes the inaccurate information promptly. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}, DPT EDXXXX XXXX Balance : {$0.00}
Product: Debt collection

This is very frustrating XXXX  XXXX and TransUnion have been reporting false report on my credit since 2019 Everything I highlight are wrong and need to be remove from my credit profile ASAP I'm writing to you regarding discrepancies I have found on my credit report. 
Those collections are being reported with late payments. A collection is by default late. Delete account from my credit report immediately Once you have finished my request please send me an updated credit report reflecting my request. 
I will submit my complaint to XXXX  XXXX headquarters
Product: Credit reporting

There is incorrect personal information on my Experian credit report that needs to be deleted. 

Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of M & T BANK XXXX Open Date XX/XX/XXXX Balance : {$0.00} I believe it was reporting in error.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX 2017 60 days late as of XXXX 2017 90 days late as of XXXX 2017 90 days late as of XXXX 2017 I am not sure how this happened. I believe that I had made my payments to you when I received my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I submitted the original complaint  XXXX , the egregious error have tripled with over {$170000.00} of credit removed from my report. Below is the letter sent to Equifax in great detail.
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I am a authorized user on several of my husbands accounts. During the month of  XXXX , Equifax has removed every account that I am a authorized user. Before the month of  XXXX , Equifax reported all authorized accounts correctly. My accounts are being correctly reported on   XXXX   and   XXXX   XXXX  .
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In an effort to correct this error with Equifax, I called several times over the last couple of weeks and spoke to numerous people at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. In the 20 hours on the phone with Equifax some representatives were unwilling to listen or help. I called EVERY creditor impacted and they assured me that I was being reported to all   XXXX   bureaus every month.  XXXX  and   XXXX   sent mid month updates which was reflected on my husbands credit report but not on mine. The accounts that were removed on my credit report for the month of   XXXX   are :   XXXX   XXXX   XXXX   Credit Limit   XXXX      XXXX   XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit.  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX   XXXX  Credit Limit  XXXX    XXXX   XXXX   XXXX   XXXX  . Credit Limit   XXXX    XXXX . Credit Limit  XXXX    XXXX   XXXX   Credit Limit   XXXX   In total Equifax has removed {$170000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when at least 12 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. This has impacted my ability to apply for credit for a car I am purchasing. I live in  XXXX  Georgia and many lenders pull credit with Equifax since we are both located here.
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Your immediate attention is needed to resolve this horrendous error made by Equifax. I have been unable to dispute this issue via your system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and would like all items selected to be deleted and or blocked from my credit report within 4 days under law FCRA 605 ( b ) ( 15 U.S.C 1681c-2 ).
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX MXXXX  XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I attempted to reach out to experian again spoke with a rude representative by the name of XXXX who advised me that I didnt like what she was saying which all I told her was that I dont recall the addresses verbatim. If I provide you with my current and previous address common sense would tell you to remove everything else. I would like the agent reprimanded and since everytime I submit a dispute it comes back in less then 2 weeks. Due to this I reached out to one of the creditors they advised me that they would send me a packet then reach out to creditor to advise with experian they just say its yours so why do I get a different outcome when I attempt to call. I have received several letters about my information being breached but they never seem to address that. 

XXXX XXXX : XXXX XXXX never lived there or attempted to stay there I used an apartment locator XXXX XXXX because I have an eviction XXXX XXXX XXXX same as above XXXX XXXX- {$360.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I already had a place and moved into my new place XX/XX/year>. 

Information listed below is for XXXX : I sent several letters to update my address due to constantly receiving notice of data breach letters information was never updated Inquiry : XXXX XXXX- should have been removed XX/XX/year> still on my report Disputes : XXXX XXXX XXXX not aware of account requested information never received it XXXX- XXXX not aware requested account information never received XXXX- XXXX not aware of account requested information never received account verification information XXXX- XXXX- XXXX not aware of account requested information never received account verification information XXXX XXXX XXXXXXXX not aware of account requested information never received account verification information XXXX- XXXX not aware of account requested information never received account verification information It is very upsetting that you send several letters to the bureaus but they dont even investigate they wait 14 days then send letters saying the disputes are complete. However when the consumer reaches out to the creditor its a different outcome. This is a huge inconvenience because I need a car but first I have to clear these discrepancies with the bureaus who are not consumer friendly.
Product: Credit reporting or other personal consumer reports

I have disputes more then one account do to neglect of proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023 I contacted Capital One credit card customer service and requested to have my credit report updated as a courtesy due to late payment reported. I advised them I was out of the country due to a death in the family and was unable to make my payment, they asked that I mail a letter to them explaining the same and it would be removed but to avail. I then disputed this via credit bureaus and no help. At this point I want to validate the credit card account in question.

Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

GLS-GAP Policy/Global Lending Services LLC states if your car is totaled pays off auto loan balance, this never happen. GAP policy for Global Lending Services LLC - ( dealership funding checklist ) GAP Policy provider has not honored it contract, this GAP insurance provider Global Lending Services LLC never applied this monies to totaled loss deficiency loss balance {$28000.00}. Please apply this GAP policy contract and remove my Global Garnishment off my credit report at the 3 major reporting agencies and remove garnishment off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX this garnishment in error PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

This account is reporting as a collection on my report despite not having monthly historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Debt collection

On XX/XX/2022 and again on XX/XX/2022 I sent a validation letter to LVNV to validate a false collection and on 2 occasions they sent back a false and misleading form which is violation of my consumer rights. 15 U.S. Code 1692j
Product: Mortgage

Bay View loan bought my loan From XXXX on XXXX 2015. 
I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. 

They are scan..stealing my money.. I do n't know what to do. 

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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

In the beginning of XX/XX/XXXX I received a letter from XXXX XXXX, a debt collection company for three separate medical debts originating from XXXX XXXX XXXX. The letter sent to me, by XXXX XXXX was dated XX/XX/XXXX. To my knowledge these accounts had previously been resolved by insurance with XXXX XXXX XXXX, if they were not covered by insurance I never received a phone call or a letter indicating that I had an outstanding balance. This is the first Ive heard of these debts that are supposedly from the years XX/XX/XXXX and XX/XX/XXXX. When I contacted the XXXX XXXX  they stated that they received these debts on XX/XX/XXXX and I had 30-45 days to set up resolution with them before they reported the debts to the credit reporting agencies. Mid XX/XX/XXXX I sent XXXX XXXXCarpio Partners LLC a debt validation letter, to which they state they never received. After contacting them twice to see if they have received the letter, which they had not I decided to set up resolution. I will be closing on a mortgage in the beginning of XX/XX/XXXX and can not afford to lose my home to an unverified debt being placed on my credit report. After being assured this debt has not been sent to the credit reporting agencies yet but will be any day now, I paid XXXX XXXX a down payment of {$850.00} today XX/XX/XXXX, and set up a {$25.00} a month payment plan in fear of this debt being placed on my credit report. Paying the {$850.00} has put me in a hardship with my other bills, all while not knowing if this was a valid debt or not.