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

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. 

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

Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX  accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

During training at XXXX XXXX  Virginia XX/XX/XXXX I paid {$510.00} which is two payments to update my account, then made a another payment XX/XX/XXXX ( have receipts from payment station and bank statement documenting the transactions ). In XX/XX/XXXX, I received a certified letter from Specialized Loan Servicing about my account being delinquent. I contacted the company via email and phone disputing the disclaimer. I was informed to email copies of my receipts and they would investigate. After several calls and three follow up emails later, it was only to submit another request for an investigation into the receipt of the funds in question. This was the first of the episodes while I ended up paying another {$510.00}. The second episode was getting another letter in the mail today ( XX/XX/XXXX ) dated XX/XX/XXXX informing me that my account was delinquent while I am yet again disputing it because I have a payment receipt and bank statement that indicates otherwise as of XX/XX/XXXX when it was paid. This company does not respond well when it comes to them having to pay back excess funds or investigate missing funds that should have posted the correct account. According to them, there was or is no way that they could have posted the funds to the wrong account ... ... very questionable after my payments have come up missing not once but twice.
Product: Credit card or prepaid card

I was billed on XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$13000.00}, and for {$38.00} on XX/XX/XXXX. total fees charged {$38000.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. All charges were indeed credited back between XXXX and XX/XX/XXXX, but American Express never credited me back for the interest fees and late fees associated with these charges. On XX/XX/XXXX after complaining about this, American Express did give me a small credit me {$8000.00}, but was still short {$30000.00} in fees that must be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original owner was XXXX XXXX sold to portfolio recovery associates XXXX. I settled and paid in full with portfolio recovery. I need portfolio recovery as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Product: Prepaid card

XXXX am mountain time bout XXXX prepaid cards from Netspend, spent XXXX hours emailing them ID information to verify my identity. At XXXX XXXX XXXX with ( XXXX ) XXXX for XXXX mins and very frustrating the rep starts to threaten to close me account and mail a check.he then said in XXXX more hour I will have my money, I still do not
Product: Mortgage

My wife and I paid off our mortgage of XX/XX/2020. As of today ( XX/XX/2020 ) neither the Maine XXXX County of Deeds or my wife and I have received a Release Deed that we can submit for recording. I have been in touch with the mortgage company almost weekly wanting to know why a Release Deed has not been sent. As it stands now should we decide to sell our home or seek another mortgage we would be prohibited as there is still an outstanding loan being show on our property record. Attached is a document showing the loan was paid in full. 

This loan is in the name of the XXXX XXXX XXXX, Trust. Both my wife and I are the Trustees of that Trust.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX Acct # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX 1. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Checking or savings account

On XX/XX/2022 I made two payments to pay for a camera ticket using my debit card from TD bank to pay for the following ticket : XXXX for {$290.00}. The first payment for {$290.00} ; I believe was not processed therefore I submitted another payment in the amount of {$290.00}. Both payments were withdrawn from checking account. I called TD bank in regarding this issue ; I was told to call the XXXX XXXX XXXX to have second payment dispute or I have to await until the payments was process because they were pending. I called XXXX XXXX XXXX office ; I was told only one payment was withdrawn from my checking account. I explained to them two payments were withdrawn from my checking account. I called TD bank and inform one of the accountant, XXXX XXXX XXXX XXXX will not refund me the second payment of {$290.00}. I was told by the accountant the transaction is still pending, I have to await until XX/XX/2022 for the transaction to process then I can dispute. On XX/XX/2022, the transaction was removed from my checking account however the funds of {$290.00} was not dispute or refunded to my account. The funds of {$290.00} vanished. The XXXX XXXX XXXX Clerk or TD bank would not refund me the funds.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

{$4000.00} wire transfer to coinbase.com my account.. they have not credited my acct with the funds. and the actually rejected it. and said they were sending back within 1 business day.. they have never sent it back as promised.. its been 2 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im Accordance with the Fair Credit Reporting Act Account as violates my Rights XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states. Consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting or other personal consumer reports

FCRA Section 605B it's illegal to report information on my credit report without my permission please remove these hard inquires from my credit, now! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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

I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

Equifax- 2 accounts {$130.00} and {$950.00} XXXX- XXXX account {$950.00} XXXX- XXXX account {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 have mailed the same requests several times to Experian to no avail.

To : Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if YOU are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. And dont continue to keep putting these back on my credit if you cant validate the legitimacy of these companies. I prepared to take this to court, if I continue to have problems. 


I demand the following accounts be verified with contracts and my signature or removed immediately. 

Name of Account Amount Provide Physical Verification Diversified {$110.00} Unverified Account Diversified {$990.00} Unverified Account Fair Collections {$920.00} Unverified Account * Requesting that you remove all non-account holding inquiries over 30 days old. 
* Requesting that you add a Promotional Suppression to my credit file. 
_______________________________________________________ I dont know the above accounts, nor have I ever had contracts, or business with the above. Out of the 3 agencies, Experian is the most difficult to deal with. They don't follow the federal laws. They have been contacted numerous times to no avail, only additional XXXX of additional paperwork, to which, documents have already been fully supplied to Experian. 

My next course will be to file suit for {$10000.00} in my county for failing to provide the required documents and protection of my consumer reporting file. 

I want them to send me SIGNED CONTRACTS for the above companies. I want my account blocked as requested. Im not sure what they don't understand. 

I send copies of my social security card, drivers license, banking information, police reports, police offer badge # and the discrepancies at hand in copies. 

Tired of playing games with Experian. COURT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, Experian, and ESPECIALLY XXXX ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized  user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. Experian, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from Experian - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
Product: Debt collection

XXXX XXXX XXXX opened two fraudulent collections accounts with XXXX XXXX in my name. 

Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : I was wrongfully evicted after management lied about not receiving funds. I have proof of management neglecting to deposit the funds in order to justify the eviction. 

Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) : I never lived here, but the account for the unit was still placed in my name. XXXX told Hunter Warfield I was evicted from a prior unit of theirs then reapplied. I was never evicted prior ; the unit I would eventually be wrongfully evicted from is my only eviction. 

I had every intention to continue my lease. XXXX XXXX XXXX engaged in fraudulent and unprofessional behavior to justify forcing me to be homeless. I have kept all correspondences, records and other evidence to support my claim. I only need to be heard fairly. 

I have been having slight technical issues with this website. Is there any way I can email you all my evidence? 

Thank you all for your help.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me and I never gave consent to any of these. I need this fraudulent information removed immediately.
Product: Mortgage

Select Portfolio Servicing is my Mortgage holder. I have been going through tough times financially for the past 6 Months. I own a XXXX XXXX, My business is gaining new accounts again. I have submitted documents to SPS to get help with mortgage assistance ... I feel that my requests have not reached the correct persons in order to Help my family in this serious situation. My Homestead is in Danger of Foreclosure ... I have enough equity to restructure my loan, However I need your Help to get the attention of SPS servicing. My Prayer is to keep my home. Thank you in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXXXXXX XXXX It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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

I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.
Product: Credit reporting or other personal consumer reports

In XX/XX/23 I paid off my car loan with Prestige Financial, the paperwork I got back from Prestige shows my account paid in full. All three of the major credit bureau show the account closed, which is not accurate. Prestige did not report my account correctly.