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

To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Experian is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Experian has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers.

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Experian s failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete.

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Experian has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Experian conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

If Experian continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Experian to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

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

On XX/XX/XXXX I filed a complaint to CFPB on the credit bureaus not accurately investing an account that has been reporting on my credit for the last 3 years incorrectly with the incorrect amount. On XX/XX/XXXX I received a email from Experian stating that yet again based on there investigation that it was verified and accurate. I sent a certified letter originally dated XX/XX/XXXX to let them know of the inconsistencies between all the bureaus to get this account resolved, where no one seem to care. With all of the different amounts I have been unable to verify who is honest so that the account could be resolved. Recently on XX/XX/XXXX I was contacted back by the lawyer in regards to the account in question. I questioned the amount and he guaranteed that his amount was accurate even after I told him that it was reporting an opposite amount on my credit. He then sent me the dated judgment filled and dated XX/XX/XXXX that showed the amount it should be {$4600.00} with lawyer fees added {$5300.00}. My credit report from Experian shows {$4500.00} charged off with a balance of {$5200.00}. Of course his amount is different from what is being reported like I have been saying for the last 3 years of my disputes. How was this account investigated? It seems no proof was provided for this account to be reported or investigated. If this account was verified by the creditor and the bureaus multiple times, why is the balance off, who is correct? I had faith that based off the FCRA laws that it would have been took more seriously. If this information was verified and correct then why do I have proof otherwise? Is the lawyer reporting it one amount and telling me a different amount for more? How is this ok? Better yet how are you allowing this and not protecting the consumer?
Product: Debt collection

this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.
Product: Bank account or service

I have noticed an inquiry on my credit report from Consumer Portfolio Services, CPS, I called the number provided asking them to remove the inquiry since I have never applied for a loan through them nor have I given them a permission to pull or check my credit, after few minutes of questions they assured me that it will be removed, it has been almost a year and nothing was done, I called a couple of weeks ago the same number & was told that they have no record that the inquiry was supposed to be removed but this time it will be taken care of ... .... I honestly do not trust these guys and need help with this issue. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from Credit Acceptance Co. mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my XXXX credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for XXXX XXXX XXXX the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Product: Mortgage

XXXX XXXX is the holder of my loan. PHH Mortgage Services services that loan. I have been dealing with them for less than a year, and its been an absolute nightmare that only gets worse. I was unable to access my account via their website for the first 6 months. Anytime I would call I would be routed to an overseas call center, where no one knew how to help me. The one time I was able actually access my account was with the help of a customer service representative that was from the United States. Eventually, that problem got resolved. Since I have a VA loan, I requested a XXXX month forbearance of my payments, which I was approved for, but I would have to make a balloon payment when that expired. I opted out of the forbearance. However, they have twice sent correspondence to the VA telling them that I was behind in my payments. This is a complete lie. I have never fallen behind on my payments. 
I always make my payments usually a few days before the due date. I submitted my via their new and improved website. Their website said that the payment had been applied, yet it had not cleared my bank. When I rechecked the PHH website it said that I was late. When I called them, I was told that my bank rejected it as NSF. This is very surprising to me, because the money was there. I started a three-way call between my bank and PHH.  I have a recording of that call. The gentleman at my bank, XXXX XXXX, verified that the funds were there and no payment for mortgage ever came through. I resubmitted the payment during this conversation. The website, again said that the payment was applied, as of today, it says the same thing. Yet, the funds are still in my bank account waiting for them to take the payment. They are trying to force late fees, or worse, foreclosure. Why are they allowed to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XXXX and Southwest Credit still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX
Product: Checking or savings account

Overdraft fee from wells Fargo. Not enough money in account
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$3800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with transunion. this has been an issue that needs to be resolved to clear my file. ive listed all invalid data please delete an review all information that needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am in total disagreement with the investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following account is not mine XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am lodging a complaint today to report that I have been the victim of fraudulent activity. Upon researching the process to remove these fraudulent items from my credit reports, I discovered that I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that do not belong to me or were opened without my authorization : ***********EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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  As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Product: Vehicle loan or lease

3 years ago, I financed my vehicle with Capital One Auto Finance, and last month, I refinanced my vehicle with XXXX XXXX. 

After the vehicle was paid off, I called Capital One to confirm if the XXXX for Texas customers was applied to my payoff. Their agent stated that a credit for my remaining GAP insurance wasnt applied to my payoff. 

Since that was the case, I contacted the Refunds Coordinator with XXXX XXXX XXXX, and submitted a cancellation request for my remaining GAP insurance. 

They were able to confer with XXXX, and they generated a {$470.00} GAP cancellation refund for my cancelled policy. 

I asked if I could pick up my check from the Dealership, and the Accountant for XXXX XXXX XXXX stated that Capital One wasnt responding to their inquiry via a secured channel, nor via email. 

When I called Capital One to follow up, I asked for a Supervisor to call me to advise why they were delaying the release of my check. 

They never returned my call. 

And when I called back again, another Agent stated that Capital One would have to obtain the check and hold it for 30 days, and then send it to me. 

They could not advise a logical reason why they were delaying the process, when my new lien holder paid off the vehicle on XX/XX/2022, and they -Capital One-actually sent me a {$48.00} overage check. 

Can you help me with contacting Capital One regarding this issue?
Product: Checking or savings account

XX/XX/XXXX I put my rent check in the mail, it was stolen out of the mailbox and washed. The Individual cashed the check on XX/XX/XXXX, but yet the check was post dated to XX/XX/XXXX and very easily noticeable that the check had been fraudulently messed with, but the bank still allowed it to go through. I contacted the bank on XXXX right away as soon as I figured it out that the check was cashed not the original party, I stopped payment and that the check was fraud. The bank keeps giving me the run around and I believe looking for ways not to give me my money back. 

The bank is wells Fargo amount {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am self employed : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I attempted to complete an Income-Driven Repayment play the Fed Loans for my student loan debts. Due to errors in communication between the lender and me, there was a delay in completing the application and I was late on a payment. 
The payment that I was late on was one amount. Ultimately, the application was completed and one, the monthly payment was again established at a lower rate based on the Income-Driven Repayment plan. Upon a recent review of my credit report, it came to my attention that I am reported by Fed Loan Services to have made 15 late payments. After further reviewing this reporting, I noted that rather than reporting one late payment, as I make one payment to Fed Loans servicing, Fed Loans reported that I made 15 late payments because I was late on the one amount that is paid to the lender each month. The lender does not ask me to make 15 different payments for each of my loans for which they serve, rather, one payment which the lender then distributes to the 15 individual loans.
Product: Payday loan, title loan, or personal loan

Attached you will find documentation filed against Upgrade Inc. I was an Upgrade customer and have been unable to access my online account for close to a year. I called multiple times, held for hours and finally on XX/XX/2021 I reached a representative who confirmed that the one account I had open with Upgrade was paid in full, I followed up with an email ( see attached ) and was told the same thing. I was also told by a representative that I could not access my account because I had a XXXX email which makes no sense as I was able to access it to set up the account and take draws and pay down/off my account. I requested that the account be closed, and Upgrade agreed HOWEVER, Upgrade continues to withdraw money from my account monthly on an account that has been paid off and closed. I have also reached to XXXX XXXXXXXX XXXX, the Bank that backs Upgrade and have not received any response. These lending practices are deceptive and I need resolution. 
My ask is the following : 1. Upgrade provide a refund to me for the funds they withdrew after confirming that my account balance was XXXX, funds should be refunded from XX/XX/2021 to present as they are STILL being withdrawn from my personal checking account monthly 2. Upgrade send confirmation to the credit reporting agencies that my account is paid in full and closed My expectation is that this is done immediately. I have engaged both the Minnesota Department of Commerce and the Minnesota Attorney Generals office for support, and both suggested I reach out to you as they have not had any success reaching Upgrade of their Parent Company, XXXX XXXX XXXX. All supporting documentation has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections account listed on our Equifax credit report through XXXX XXXX. It is also showing as past due. This account is NOT in collections and is NOT past due ; no other agency is reporting this as collections or as a past due account. 

This was a reaffirmation of debt when we went through our bankruptcy and have been making the payments on time as scheduled according to the agreement. The reaffirmation was for {$12000.00} and the current balance is {$8700.00}. We've tried several times to dispute this with Equifax and they are not taking care of it. It's effected my credit negatively and I need it fixed. 

Equifax will not allow me to dispute this online, it keeps telling me they can't find " me '' and I have to call. I've already written and called months ago and this is still showing up.
Product: Credit card or prepaid card

Multiple mailings from Discover for promotional APR which then do not match " their available offers '', very time consuming and misleading. Feel vulnerable as they now have my info and really can not explain anything about why. I applied via scan code, computer application, and phone. They are not going to give you what they have offered by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my social security number is XXXX my membership with XXXX XXXX XXXX is XXXX and my date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX i have XXXX XXXX in which i get a free credit score every month. my complaint is that theirs a system problem on my membership, when i see my credit score summary it keeps telling me that i have an account that 30 days late indicator but when i look at my credit report from experian or talk to a live rep in experian disputes department at consumer affairs department they tell me that theirs no negitive information on my credit report. i also address this to membership coustomer service several time along with experian consumer affairs department that their a problem with my XXXX XXXX membership number XXXX that every time i look at the summary of whats affecting my credit score it keeps giving me wrong information that i have an account thats past due. but when i look at my credit report it dosnet show any negitive account on file. also when other creditor putll my report through experian it also shows on their end that i have a past due account, then i have to have the creditor look at my creit report manully with out the score summary and they relized that they made a error and mannaully approve my appilcation, please take action against experian XXXX XXXX for damages, reason is that they havent fix the problem in their XXXX XXXX data base along with their core data base by removing that negitive indicator that show on my credit report in the XXXX XXXX  data base, im geting the run around with this XXXX XXXX XXXX  customer service tells me that experian disputes department consumer affair has to correct their data core main base that send the information to XXXX XXXX data base. but that not the case here, then when i call the other department at XXXX XXXX im going in circles here. this is affecting me when i appiled for credt, because when other companies pull my experian credit report it keeps telling them that i have negitive account, but i dont have any negitive account on file, and i should not have any at all. so please take action and have experian remove that negitive indicator thats showing in my score advantage summuray and XXXX XXXX summary too.
Product: Mortgage

We have a loan modification for {$4000.00} a month that is effective XXXX and they want to charge is an additional {$3000.00}. Never got this in writing and wasnt part of the agreement. 

XXXX, You have been approved for a XXXX XXXX 3 month trial plan ( TPP ) Details are as follows : - You have been approved for a 3 month trial plan from XX/XX/XXXX to XX/XX/XXXX - Your new payment is {$4000.00} - Your old payment was {$4500.00} - You saved {$520.00} per month on your mortgage payment - You new interest rate is 6.5 %, up from 6 % - Your new loan term has been extended to a 40 year term - All foreclosure activity has been suspended - Once the 3 month TPP is paid, you will receive final docs that will need to be signed, notarized and returned in the return envelope provided- Please make sure the notary states the verification of identification when signing, XXXX. if verified via driver 's license, it must be noted- Please be sure to make your payments on time. Should the final docs not arrive directly after the XXXX payment is made, be sure to continue making the above mortgage payment, as this will be your payment going forward - There will be a final escrow analysis and escrow XXXX go up or down. This will be the only variance in your payment- You must call M & T to let them know you accept this offer - The offer should be mailed out by tomorrow Please let me know that you've read this email and understand your responsibilities and let me know if you have any questions! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX Ext. XXXX Phone : XXXX Ext. XXXX Text Only : XXXX Fax : XXXX *Please confirm all doc requests, as they are time sensitive. All docs must be faxed or emailed in PDF format only. All other formats will be rejected. Delays in providing docs will result in a denial, thus adding time to the process. Please be proactive to ensure success.