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

Ive been working hard to fix my credit, but Experian keeps disregarding crucial legal regulations like 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ) and more. With the recent CFPB lawsuit against Experian for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

1. ) XXXX XXXX XXXXXXXX [ **** ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 2. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 3. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 4. ) XXXX XXXXXXXX XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS 5. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, DIDN'T AUTHORIZE THIS TRANSACTION 6. ) XXXX  [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, SQUATTER MOVED IN UNIT AFTER I HAD TURNED IN KEYS AND DAMAGED IT 7. ) XXXX XXXX XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, ALL EQUIPMENT HAS BEEN RETURNED - SHOULDN'T BE A CHARGE Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of : 1. ) XXXX XXXX XX/XX/XXXX Experian 2. ) XXXX XXXX XXXX XX/XX/XXXX Experian 3. ) XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 4. ) XXXX XXXX XXXX XX/XX/XXXX Experian 5. ) XXXXXXXX XXXX XX/XX/XXXX Experian 6. ) XXXX XXXX XXXX XX/XX/XXXX Experian 7. ) XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian 8. ) XXXX XXXX XXXX XX/XX/XXXX Experian 9. ) XXXX XXXX XX/XX/XXXX Experian 10. ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian 11. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 12. ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian 13. ) XXXX XXXX XXXX  XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Nissan lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this Nissan account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted Nissan for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. Nissan is acknowledging that the account is closed but nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00}
Product: Credit reporting or other personal consumer reports

I have a few old addressees that need to be removed from my credit reports as I no longer live there and they were addresses from my time in college & senior year of high school. They all now belong to other residents and are no longer attached to me. 

The following addresses need to be removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please update as soon as possible XXXX
Product: Debt collection

XX/XX/, I received an initial debt collection notice from Radius Global Solutions LLC. The notice stated i had until XX/XX/XXXX  to respond/dispute and once i dispute within 30 days, they will stop trying to collect the debt until they can show verification of the debt. 

XX/XX/, i replied to the notice about this alleged debt. Informing them, that i do not deal with debt collectors and request they cease and desist all communication and collection activity, in accordance with 15 USC 1692c ( c ). 

According to the United States Postal Service, mail delivery from XXXX, CA to XXXX, MN is 2.5 days up to 5 days. I was told my letter would arrive between XX/XX/XXXX - XX/XX/XXXX. Which is within the 30 day timeframe. 

After receiving my Cease and Desist request, this company continued to attempt to collect the alleged debt. They did not provide any documentation to verify that i owe this debt. Instead of submitting verification, i was mailed a settlement offer to resolve the account. 

As the consumer, I assert that Radius Global Solutions has violated my rights under the FCRA and are in violation of several FCRA status, as follows : VIOLATION 15 USC 1692c ( c ) VIOLATION 15 USC 1692b ( 2 ) VIOLATION 15 USC 1692b ( 5 ) VIOLATION 15 USC 1692c ( a ) VIOLATION 15 USC 1692d ( 2 ) VIOLATION 15 USC 1692g ( a ) ( 4 ) I wrote Radius Global Solutions another letter on XX/XX/XXXX, demanding they stop disregarding my rights and cease all communication as once. They have not provided any notice they will be ceasing all communication.
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report concerning my XXXX  account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/year> and XX/XX/year>, which are incorrect. 

Below are the specific laws protecting my rights as a consumer, which have been violated in this case : 1. 15 U.S. Code 1681i Dispute Investigation Law : This statute requires credit bureaus to conduct a timely and thorough investigation of any disputes submitted by a consumer regarding inaccuracies in their credit report.

2. 15 U.S. Code 1637 ( b ) Requires creditors to provide accurate billing statements to consumers. There are discrepancies in the billing statements issued by XXXX for the months of XXXX and XX/XX/year>. 
XXXX. XXXX XXXX XXXX XXXX This section obligates information furnishers to ensure that the data they report to credit bureaus is accurate. XXXX has failed in this responsibility by reporting incorrect information, and thus the late payments must be corrected or removed. 

I have attempted to resolve this dispute directly with the credit bureaus and the creditor but have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to investigate and assist in correcting this inaccurate information in compliance with consumer protection laws. 

Attached is a copy of my credit report highlighting the late payments in question, along with any supporting documentation that XXXX assist in your investigation. 

Thank you for your prompt attention to this matter, and I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called two weeks ago to check on why my XXXX XXXX XXXX  ( there are XXXX total ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report.

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by XXXX. This is an egregious error and it is preventing me from buying a house! 

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed there is fraudulent activity I called and spoke to a representative they told me to fill out an FTC Report and it will be removed immedietely.
Product: Debt collection

I XXXX XXXX checked my credit report and noticed some fraudulent an inaccurate accounts on my credit report, i then proceeded to reach out to the credit reporting agencies to seek remedy of the situations but no one would help me correct these fraudulent and inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a mobile deposit was made to Citibank for XXXX. I have called every day since to find out when funds would be available as this has NEVER happened before!!. 
Today is XX/XX/XXXX and they said they do not have a date for when my funds will be released. 
No XXXX! This institution has caused financial stress and my family that worked so hard for our money will not be able to purchase XXXX dinner. 

How is this legal? 
Its my money, the check is not fake, its not hand signed it a printed check from a well established local company.
Product: Credit card

CHASE VISA CREDIT CARD XXXX Bought items from a vendor for {$290.00}. Vendor did not ship as promised so I canceled the order. Items came anyway and I returned them XX/XX/XXXX Opened dispute with Chase. Credit given. 

XX/XX/XXXX Chase called saying Vendor challenged dispute. I submitted info showing I returned the merchandise. 
XX/XX/XXXX Called Chase and inquired about the charges. Rep said I wouldn't be billed. 
XX/XX/XXXX Chase rebilled by card for over {$290.00} twice for a total of {$590.00}. 

So my XXXX statement shows these additional charges. A phone call to Chase service center yesterday ( XX/XX/XXXX ) did not remove the charges. I'm supposed to call the disputes group again tomorrow to resolve. I am frustrated that Chase is billing again for an item I demonstrated that I returned and Chase billed me twice saying I owe the additional charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is ignoring my many requests to investigate, verify and remove one account from my credit report that does not belong to me.
Product: Credit reporting

I called the credit reporting agency Equifax to request that a public record be deleted off of my credit report. Upon looking at their website, it clearly states that my credit score is being negatively impacted by this public record and will improve once this has been vacated. When I ask a human being if this is true they all say, there are many more factors which influence your score which they vaguely refer to but which they will not give you any access to. So if my credit score is low, who knows what I can do to improve it but the website clearly says by getting rid of said public record my score will improve. I am looking for consistent information on how to improve my score that is parallel to what both the website and human being at Equifax are saying. The only way to get anything done, in their minds, is to pay for credit reports and useless credit information that has no bearing on anything.
Product: Vehicle loan or lease

After losing a personal business, I filed chapter XXXX and entered into a payment plan with capial one auto finance. As of XX/XX/2019 I paid off the auto as agreed. According to Capital one an additional {$940.00} was added to the loan, but I was never notified. Finally, more than 6 months after the chapter XXXX has ended capital one has added an additional {$10000.00} dollars to the loan
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is also in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Experian Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT and not in METRO 2 COMPLIANCE.

A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. 

According to the law referenced, EXPERIAN must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately : Person XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/2024 Person : XXXX  XXXX XXXX Date Of Inquiry : XX/XX/2024 Person : XXXX XXXX XXXX  Date Of Inquiry : XX/XX/2024 Person : XXXX XXXX XXXX Date Of XXXX XXXX XX/XX/2024 Person : XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/2024 According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization I gave them to obtain a copy of my report.

THIS UNAUTHORIZED DATA IS A DIRECT RESULT OF IDENTITY THEFT PURSUANT TO 18USC1028 ( A ).

According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Provide the original consumer agreement with my signature that gave you written authorization. 
Please update my personal information on my Experian Consumer Report to the following immediately : Update Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Update Employment : CEO of XXXX XXXX XXXX Please REMOVE THE FOLLOWING PERSONAL DATA FROM MY CREDIT PROFILE : INACCURATE NAMES : XXXX XXXX XXXX, XXXX XXXX INACCURATE EMPLOYMENT : XXXX XXXX XXXX  ( SELF EMPLOYED ), XXXX INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

auto dealer supposed to get soft credit check to see if I'm prequalified, but ran multiple time hard pulls without my permission! 
XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I do not recognize who is it/could n't find it XXXX XXXX  - XX/XX/XXXX promised soft check - ran hard instead XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report the other day and was thrown into a XXXX XXXX when saw the number of inaccuracies being reported on my credit. These errors are affecting my life far too much all because the baseless and unauthenticated items and information that is being reported on my credit report without any proof. I need this information investigated and these errors corrected.
Product: Mortgage

Just a little perspective for you : * It has been approximately 1530 days since my last mortgage payment on the property. 
* It has been approximately 1220 days since I informed the mortgage company ( GMAC, now bankrupt, then transferred to XXXX Bank ) of my intention to relinquish the property. 
* It has been approximately 1120 days since I moved out of the property. 
* It has been approximately 1020 days since I filed for bankruptcy and stated in my petition that my intention was to relinquish the property to the new mortgage company ( XXXX ). 
* It has been approximately 945 days since my bankruptcy was finalized and all of my debts were officially discharged including the mortgage on the property. 
* It has been approximately 640 days since the property was " winterized '' by the new mortgage holder. At this time, they changed the locks and I no longer had any access to the property. 
* It is my assertion that on the date the bank changed the locks, they effectively took over the maintenance, care, and responsibility for the property. Prior to that time, I had continued to maintain the property. After this time, I have done no maintenance or maintained the property as it is not accessible to me. I understand that the mortgage holder and/or HOA has been maintaining the property since the locks were changed. It is my assertion that this was on behalf of the mortgage company who took responsibility for the property back in XXXX of 2013. 
My frustration at the length of time it is taking for me to officially relinquish the property continues to grow. I believe the excessive length of this process has caused me undue stress and emotional damage not to mention the continued negative hit to my credit. It has affected my emotional and physical health negatively and impacted my work, my family, my self image and my relationships. The excessive length of time is cruel and unusual exceeding industry standards of acceptable practice. This current situation due to the length of this process is unjust and punitive. I have done all within my power to remedy the situation. What is my recourse? What do I need to do to resolve this and be given an opportunity to move on with my life?
Product: Student loan

This complaint is regarding the {$25000.00} Education loan application, which has been canceled due to Discover service issues. This is causing me serious financial trouble since I have been told to re-apply for another loan, resulting in higher interest rates. 

I had applied for 2 Education loans of {$25000.00} each ( A total of {$50000.00} ) with different co-signers for the same loan period. My college certified/approved both of these loans, and they would be disbursed half in XXXX  XXXX and the remaining in XXXX XXXX. However, Discover cancelled one of the loans marking it as Duplicate.

Of the two loans I applied for, the cancelled loan was a lower fixed rate loan with fixed interest rate of 4.590 % while keeping the higher fixed loan open at 7.240 %. This deliberate action has been taken outside my interests and is selective and biased, to serve the bank 's interest.
Product: Debt collection

Accounts were closed by original creditors and sent to collections. Accounts were fraud and wasnt notified about any of this regarding the account altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple inquiries made on my credit about an auto loan. I did not authorize all of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing or correcting items on my XXXX credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXXXXXX XXXX XXXXXXXX dispute in progress ( added XX/XX/2021 ) to be deleted.

They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.
Product: Mortgage

I sold my condo in XXXX MA in XXXX 2012 in a short sale. Nationstar Mortgage was the servicer on my 1st mortgage which was paid in full at the time of the sale. 
Three and a half years later Nationstar is showing up as XXXX separate dings on my credit report. XXXX dated XXXX indicated start of foreclosure although I was never notified of any such action and never received any paperwork upon sale of the property. The other item is dated XXXX is fraudulent. 
I want these items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Saturday, XX/XX/22 I logged in to see my credit score with TransUnion and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! 

I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am disabled and a widow, I am being discriminated against.