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 re-investigation 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 disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite 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.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint with the dates. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I'm looking for itemized breakdown of bills. Due to the fact, it looks like they are double billing me for procedures. 
Also, now getting bills going back to @ 1 and 1/2 to 2 years old. 
Also, before procedure in XX/XX/2021, they told me if I paid in full of what I owe they would give me a {$100000.00} discount, then get a bill months later for {$1000.00}.
Product: Credit card

Fraudulent charges were made to two Synchrony home cards from XXXX XXXX in XXXX, NY. Both cards originate from the Synchrony company and were used to make large purchases at the XXXX XXXX store over two months. Once I closed one card they then used another card to make further purchases. These two cards have never been out of my possession or used physically at any store location to make any purchases.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report below information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$580.00} Account Name : XXXXXXXX XXXX Account number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1800.00} Hard Inquiries Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXXXXXX  Inquiry Date : XX/XX/XXXX My current home address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I received a letter dated XX/XX/2024 - that my loans were IN forbearance, my payment would be {$0.00}, and that no interest would accrue while in forbearance. Since date of receipt of this letter, my account has in fact, been made for {$0.00} payment, but interest is still accruing. When I called today ( XXXX ) I spoke with XXXX and XXXX ( they would not provide last names ) about the verbiage used in the letter. XXXX explained that the {$0.00} payment, and {$0.00} interest would not go into effect until XX/XX/XXXX, however, the verbiage used in the letter indicates the account is currently in forbearance. NO where in the document does the date XX/XX/2024 show up. How would one know this would not go into effect then? when I spoke with XXXX, she also agreed the verbiage is misleading and that the date XX/XX/2024 is no where in the document. For anyone who diligently watches their loan, this could be incredibly misleading/false information provided.
Product: Debt collection

I have never signed any agreement with any debt collector. They have attempted to contact me multiple times and placed a judgement of my name under county court. They have violated multiple counts of my consumer rights. They need to stop all communication efforts and recover judgement as soon as possible.
Product: Student loan

I made a payment of {$490.00} to cover my {$380.00} payment and {$110.00} in late charges. The next month when I paid on time it said I still owed a late charge. While on the phone going over my transaction history they explained that out of my {$490.00} payment, {$410.00} went to principal and interest, which is over my monthly payment amount and left the remaining go towards late fees which still left {$30.00} in late fees which was then accruing interest. I pointed out the payment was not allocated properly to which they denied and just waived my late charge. My concern is if my payments have been misapplied in relation to P & I and any fees throughout the entire repayment term.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV AND XXXX are reporting that a have a collections account from XXXX XXXX that belong to me. I DO NOT have a XXXX  XXXX account that is negative. I have an open and active account with XXXX XXXX. My son XXXX XXXX XXXX had an account with them. Please verify this account with documents proving it belongs to me. XXXX shows this account was opened in XXXX of XXXX, I have been living at XXXX XXXX XXXX XXXX, PA since XXXX, so I know for a fact this is my son 's account. 

Please remove this account as it is unverified and not belonging to XXXX XXXX XXXX. 
XXXX has already explained to me that me and my son had combined profiles..
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against Experian and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 

Experian is inaccurately reporting late payments on my XXXX Account info Account number XXXX. Despite disputing this information on XXXX, the errors remain unresolved. Experian has failed to conduct a reasonable investigation ( 15 U.S.C. 1681i ) and ensure accurate reporting ( 15 U.S.C. 1681e ( b ) ). XXXX XXXX has further violated 15 U.S.C. 1681s-2 ( a ) by furnishing false information.

This misinformation has caused undue stress and hindered my ability to secure financing for a mortgage. I request the CFPB investigate these violations and require the removal of the inaccuracies from my credit report. 

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

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. 

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Product: Payday loan, title loan, or personal loan

Regarding response to original complaint # XXXX. Information is not accurate. Response is generic and doesnt help with the accuracy of my issue. My complaint is payment and interest reflection is incorrect. Ive made all my payments on time and most always before the due date for the full amount. In the companies response its stated that I didnt always make full payment/ and or consistently is incorrect. How is that statement correct when they acknowledge Ive never missed a payment? and stating my payment were not in full payment so more of my payment is applied to interest is incorrect. Again, my account has never missed a payment. My due date is the XXXX of every month and all my payments are made all before that date most of the time a week in advance, and in full + more {$50.00} more on almost all payment. Please again look into this matter which is urgent and time sensitive. I am still making payment on this account and having the same issue of more of my payment is going to interest instead of principal. Ive had this account for more than a year and as payment is made over time less of my payment should be going to interest and more toward my principal. I feel I am be robbed and not receiving an accurate response and information. This account is has been taking my money and not applying my payments correctly. Also the contact information provided to call is sent directly to a voicemail. No one answer the phone and are told someone will respond in 24hrs. Im confused an Executive line is a voicemail. Please again I am not happy with the service I am being provided and with this loan in it entirety. Again I am aware of the loan type but also know my payments are not being processed correctly as they should. I look forward to my account being corrected and incorrect payment funds be reimbursed to me and applied correctly to my principal. If possible I do not wish to do any further business with OneMain financial and would like exit this account immediately. Please let me any options. If need I will contact legal services to continue me in this matter. Thank you in advance and hope to have this issue resolved as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I conducted a balance transfer of an entire balance from Capital One to a no interest XXXX card. I was told that the processing time is 5-7 days. On XX/XX/2019, I phoned Capital One to apprise them of the transfer and ask if the account had been paid off. I was told it was not. I once again phoned on XX/XX/2019 to inquire and was told that it was not. I was told by the Capital One representatives on both days that notes would be made on my account that the payoff was going to be forthcoming. No other action was asked of me and no payment was requested or demanded. No warning of negative activity was made. 
One XX/XX/2019, the expiration of the 7th day for processing time, I received an email from XXXX letting me know that a 30 day late reporting was made by Capital One. The reporting decreased my score by 44 points. I then contacted Capital One to ask why this reporting was made without warning during the multiple conversations I had with them letting them know of earnest intentions. They responded that I should dispute it as there was nothing they could do for me. Had they warned me, I could've protected my credit history by making any payment that they needed to avoid a negative reporting. 
My accounts have always been healthy. This is the first late reporting on my credit history. Please help me.
Product: Debt collection

Jefferson Capital Systems has violated my federally protected rights under the FDCPA. I never received dispute notice. Jefferson Capital is using my consumer report with extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. You are also collecting on an time barred debt. I am not paying the alleged debt and I am putting you on notice to Cease all communications from me from all mediums including my consumer report within 15 days or I will proceed with legal matters or all violations and damages this injury caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in smartcredit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$350000.00}
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report from XXXX, which have significantly impacted my credit score and financial health. These errors need to be rectified immediately to prevent further damage. Here are the details of the disputed items : XXXX. XXXX XXXX Credit Card Account ( Opened on XX/XX/XXXX ) : The account shows a series of late payments, which are incorrect. Payments were made on time, but due to administrative errors, they were reported late. Despite multiple attempts to contact XXXX XXXX to correct this, the errors persist. 
XXXX. XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is incorrectly reported as in collection. I have never had an account with XXXX XXXXXXXX XXXX, and this appears to be a case of mistaken identity or fraudulent activity. 
XXXX. XXXX XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is reported in error as in collection. I have never opened an account with XXXX XXXX XXXX XXXX, indicating potential identity theft or clerical error. 
4. Public Record - Bankruptcy ( Reported on XX/XX/XXXX ) : The public record for bankruptcy is inaccurately reported on my credit report. I have a letter from the court stating that they do not report bankruptcies to credit bureaus. 

These inaccuracies have had a profound negative effect on my financial health, including my ability to secure loans and other credit. Given the severity of the impact, I am requesting an immediate and comprehensive review and removal of these erroneous entries from my credit report within XXXX hours.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account 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 account below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This complaint is related to PayPal claim XXXX. I purchased an item from XXXX XXXX and did not receive the item. 

This purchase was for a XXXX vacuum and I did not receive this item. I obtained an email from XXXX which states that the item was not delivered to the address indicated in the shipping label.
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 XXXX : 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 : 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 inquiries in my report and Equifax 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, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On XX/XX/21 I received an escrow analysis showing escrow shortage because Selene Finance DOUBLE paid my property tax bill, and is now asking for a higher payment. They were refunded the double payment, and I am asking for a new accurate payment, and have waited several weeks, to no avail. Sitting on hold for an hour gets me nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, blockthe noteworthy of any information in my credit record that came about due to an allegedfraud or extortion. XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$210.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$120.00} ; XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXC XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOLD TO XXXX XXXXL THE XXXX XXXX  ON XX/XX/XXXX XXXX DELINQUENCY WAS XX/XX/XXXX SEE EQUIFAX REPORT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and these fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report numbers XXXX and XXXX.