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

Subject : Request for Investigation, Rectification, and Compensation for Financial Hardship, Emotional Distress, and Mental Anguish Dear CFPB, I am writing to urgently bring to your attention a pressing issue concerning my credit report maintained by Experian. Despite my efforts to dispute and rectify inaccuracies, Experian has persistently refused to take appropriate action. This situation has not only caused financial hardship but has also inflicted significant emotional distress and mental anguish upon me. 
The inaccurate information in question " XXXX, '' has resulted in severe financial consequences, including the denial of credit, increased interest rates, and missed opportunities. I possess an adverse action letter confirming that I was denied credit due to Experian 's inaccurate information, which has had cascading effects. 
Specifically, I have been unable to obtain loans, secure a credit card, purchase a car, and realize my dream of homeownershipall due to Experian 's refusal to rectify these inaccuracies. 
Moreover, the ongoing ordeal has taken a considerable toll on my emotional well-being, causing me substantial distress and XXXX. The frustration and uncertainty associated with these inaccuracies have led to mental anguish that affects my overall quality of life. 
In addition to requesting that the CFPB investigate this matter and compel Experian to investigate and remove the inaccuracies as mandated by the Fair Credit Reporting Act ( FCRA ), I humbly request compensation for the financial hardship, emotional distress, and mental anguish I have endured as a result of Experian 's refusal to rectify the situation. 
I believe that a fair resolution should include appropriate compensation to help mitigate the adverse effects this has had on my life. I have attached copies of relevant documents and correspondence with Experian, including the adverse action letter, for your reference. 
Please let me know if any additional information is needed to facilitate this investigation and compensation request. Your prompt attention to this matter is greatly appreciated, and I trust that the CFPB will uphold its commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX Enclosures : CREDIT REPORT ADVERSE ACTION LETTERS NOTICE OF DISPUTE DEBT VALIDATION LETTER PRE ARBITRATION SETTLEMENT DEMAND OFFER INITIATION ARBITRATION LETTER REQUEST FOR ARBITRATION COST LETTER AFFIDAVIT OF TRUTH
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts stated above 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

My identity was stolen. These collections are due to accounts that were fraudulently opened in my name and are not mine. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Mortgage

Ive been having trouble with NewRez for the last past 2 years now. Back when interest rates were 2 % I went through a refi process for months just to be given the run around. A few months ago I had requested to manage my escrow account & they requested proof of my insurance in order to relinquish it as well as a written request. I submitted both & received a letter stating that I couldnt manage my account because it hasnt been active for 12 months though Ive owned my home for nearly 6 years now. After giving up on that process I now am dealing with PMI issues. Before my payment on XX/XX/XXXX I had called to verify that if I made an additional payment of $ XXXX onto just my principal ( which will give me above 20 % equity ) would PMI automatically be removed. The agent confirmed that it would so i proceeded with the payment just to see PMI still being charged to my account. I called again on XX/XX/10 & this agent stated that I needed to submit a request in order to remove PMI & that she would process that for me. While on the phone with her, I also addressed that I received a letter in the mail stating that if I dont provide proof of insurance one will be provided & charged at my expense. As stated above, I provided that when trying to get control of my escrow! She was able to provide me with the information needed to navigate but in all honesty Im tired of battling this company. NewRez agents in the past had no idea what they were doing or talking about & are trying to extract every XXXX out of me. Every time I try to save money or move in a direction thats in my benefit, they hinder me in order to continue to steal from me. Im aggressively trying to pay off my loan to escape this dumpster fire of a company.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector refuses to provide validation to verify this debt is owed by me. They are negatively reporting to credit bureaus but have failed to prove I am legally obligated and responsible for the debt they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a report # XXXX. The complaint was that they have not updated my income. They are using {$2200.00} per month to calculate my loan to income. The correct amoiunt is {$3700.00} per month as submitted in the previous complaint. 

They responded with a completeely irelevant item that had nothing to do with the income. 

I responded to your email stating the above but never received acknowledgement. I don't know why. Thus I am submitting the dispute again. Please make sure they respond to the income problem and not some irrelevent item. Please see a copy from my checking account below. Note the SS deposits of {$1700.00} and {$2400.00} for a total of {$3700.00}. 

XX/XX/2022 Electronic Deposit XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} {$8300.00} XX/XX/2022 Electronic XXXX XXXX XXXX/ XXXX - XXXX XXXX {$2400.00} {$7000.00}
Product: Credit reporting

I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses, and failure to adequately notify consumers of dispute outcomes. These failures align with my experience. Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around the XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now the XX/XX/XXXX and we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.
Product: Credit reporting or other personal consumer reports

I have just learned that my information was involved in various data breaches over the past 10 years, and more recently my identity was stolen from my friends vehicle in XXXX, which has resulted in various inaccurate addresses and phone numbers being attached to my report. I have attached a copy of the police report in this regard. 

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. No information was mailed to me at all and specifically no information was mailed to me within 21 days. 

The reporting of these late payments are not only a violation of various federal protection laws but they also have severely abused and harmed my reputation and ability to obtain credit from various lenders which has caused me to injury in various ways. 

Please remove this account from all of my reports. I have written to all XXXX credit reporting agencies multiple times stating that I do not recognize how the XXXX XXXX XXXX XXXX  account is reporting on my credit reports, I do not recognize the account number, the account status, the account high balance, nor do I recognize the late payments associated with it, everything reported here does not meet the FCRA. Please remove this account from all of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had and account with XXXX XXXX that was opened on XX/XX/XXXX I have satisfied and closed on XX/XX/XXXX. I have called to have them remove a late payment that is posting on all three credit bureaus.
Product: Debt collection

I have received several letters in regards to a collection from XXXX XXXX XXXX XXXX XXXX XXXX ). I noticed a few inaccuracies in these letters. This is addressed to XXXX XXXX XXXX but the original account belongs to XXXX XXXX. My name is XXXX XXXX XXXX Not the name listed on the account/letter. I am also disputing this because my consumer rights have been violated. I was informed that collectors can not contact consumers, 15 USC 1692c ( a ) - Communication in connection with debt collectors. I have received MULTIPLE letters in regards to this inaccurate account which leads me to the next violation. I feel as I have been harassed, 15 USC 1692d states that collectors are not to harass consumers. I currently reside in XXXX, TN. This collection agency is in XXXX, IL. This is considered another violation, 15 USC 1692b ( 2 ) acquisition of location. PLEASE remove this account so I will stop being harassed.
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. XXXX and TransUnion 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am XXXX, behind on my mortgage, and so requested a modification in XX/XX/XXXX. I have completed the package and tried numerous times to send it in via XXXX XXXX XXXX ( Provided by Mortgage Company Ocwen ) for the last 2 days. All attempts failed. 

Last night I sent it in via my XXXX account. I have called Ocwen ( XXXX ) and can not as of Friday ( XX/XX/XXXX ) XXXX XXXX. CONFIRM RECEIPT. I spoke to XXXX ( Em # : XXXX ) and she advised me that she sent an e-mail to my " Loan Modification Specialist. " In calling today, I was for the first time alerted to the fact that my house is to be auctioned on XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed this account and Experian keeps stating this account has been verified. If it has been verified by the Social Security Administration please provide all documents proving how the supposed Derogatory Account has been verified by the Social Security Administration. I am also attaching the proof this matter had been addressed by the Social Security Administration back in XX/XX/2019 and resolved. 
Listed CFPB Complaints Filed XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX** Balance : {$210.00}
Product: Credit card

on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.
Product: Mortgage

BACK IN XXXX OF 2021 I SUBMITTED A CONDITIONAL ACCEPTANCE FOR VALUE AND COUNTER-OFFER/CLAIM FOR PROOF OF CLAIM and TENDER OF PAYMENT OFFERING, TO THE LOAN SERVICING COMPANY WHO WAS HANDLING THE ALLEGED DEBT. THIS WAS DONE VIA CERTIFIED MAIL. NO RESPONSE. REPEATED THE PROCESS WITH THE LOAN SERVICER AND AGAIN NO RESPONSE. WAS LOOKING TO HAVE THE DEBT VALIDATED. THEN IN XXXX OF 2021 THE LOAN SERVICER ASSIGNED THE ALLEGED DEBT TO ANOTHER LOAN SERVICER. ONCE I FIND OUT THIS HAPPENS. I PUT TOGETHER ANOTHER PACKET WITH DETAILED INFORMATION ADVISING HOW THE ORIGINAL LOAN SERVICER DID NOT RESPOND TO MY INQUIRY IN A TIMELY FASHION IN XXXX OF 2021 INVOKING MY RIGHTS UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT. NO RESPONSE. SENT A SECOND PACKET ADVISING THAT LOAN SERVICER RESPONDS AND THEY HAVE NOT. THIS IS THE THIRD MOVEMENT OF THE ALLEGED DEBT. IM LOOKING FOR VALIDATION OF THE DEBT POINT BY POINT UNDER PENALTY OF PERJURY. THEY HAVE NOT RESPONDED TO MY INQUIRIES AND SILENCE IS ADMISSION OF GUILT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 
XXXX XXXX Account number : XXXX Opened Date : XXXX   XXXX. 
Opened Date : Experian XXXX. 
Inaccurate Open Date must be deleted inmidiatly. 

Account status : XXXX reports : OPEN Experian reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : XXXX reports : no payments Experian reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 
Theres a picture of the deletion of this account from XXXX as proof of they are using the right method of verification
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Order two of the same gaming systems and I only received one. They said someone sign for it and nobody with that name lives in my home so I never received it and they said I still had to pay for it. The cost was XXXX Im not paying for something I never received. Called them several times sent them a police report not seems to help. The company name is Best Buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

Thank for your help. I am making a complaint in hopes of speeding up the process so that I may move on to informing my mortgage bank about this error on my file being removed. Detail reasons of this error is explained in attached files but in short I believe said debt is not mine and I was not provided absolute proof the debt is mine. Thank you
Product: Credit card or prepaid card

i bought a paypal prepaid debit master card at a XXXX and loaded the card for a hundred dollars. i get home to set up the paypal prepaid card online but once it asked for he last 4 of social, it says to call and XXXX XXXX number. there had me on hold for an hour and XXXX minutes transfering me from XXXX deart to another.First it was the fraud department, then the card specailist and after that they didnt even bother playing the " wait to be transffered to the next representative chessy music ''. they said that i have an account with netspend that has been blocked or a resstricition on it with my name and socical i just dont know understand if its a paypal prepaid card what netspend has to do with it? and they said they are going to mail me a check and its been 10 days and still no check or no paypal card i loadded the card for XXXX XXXX so im calling everyday to see if and what is gunna happen but they keep putting me on hold
Product: Credit reporting or other personal consumer reports

I have recently initiated a dispute regarding the items in question, and I am concerned that a thorough investigation was not conducted. It appears that there has been a lack of proper investigation and a failure to provide validated proof substantiating the claim of a late payment on this account. In accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request that these accounts be promptly updated to accurately reflect the investigation 's findings or lack thereof. Your compliance with FCRA provisions is essential in resolving this matter satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting From XX/XX/2020, this company named XXXX/XXXX/XXXX  has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is Experian. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to Experian. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is Experian. At this point, I am being harassed.
Product: Credit card

I had communicated with your customer service representative regarding my account, specifically related to CAPITAL ONE XXXX Date opened : XX/XX/2018 Balance : {$630.00}. During a recent phone conversation with one of your representatives, I was grateful to receive their verbal agreement to removal of the late dates and negative status of the aforementioned account. While I deeply appreciate this understanding, I understand that a formal goodwill letter is required for the agreement to be officially recognized and implemented. I am writing this letter to formally request a goodwill adjustment based on the agreed-upon terms. The commitment made over the phone has a significant impact on my financial situation, and I believe that formalizing this arrangement will contribute positively to my credit history.