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

I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to correct these discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my XXXX attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 
The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistace to remove the following inaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX CO XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After finding out the XXXX  was going to costs over XXXX I immediately cancelled everything. I received all the refunds back to my credit cards except for the XXXX XXXX  I never attended. The XXXX  refuses to refund the money back to the lender and now it's on my credit report and Transunion will not provide me with any proof of it's validity that's on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

First American Title Insurance Company is providing false information on me, XXXX XXXX XXXX and my parents, XXXX and XXXX XXXX. They have concocted a written report stating that our home has several active liens/judgments- when it doesn't. We had two other companies perform title searches on our home and none are showing this false information. Moreover, even after providing documentation showing that these accounts do not belong to us, they are refusing to remove it from their report.
Product: Debt collection

I was in an ongoing dispute with XXXX over their criminal tactics. I was waiting for a final amount to resolve the outstanding amount I owe them. I never received verification that they agreed to the amount I was proposing, I had asked them, etc., and no communication. I was doing some other banking business the other day and was shown on my credit report that Allied Collection Services , Inc had " hit '' my credit report with the amount I owe XXXX. This certainly was a surprise, I did n't get a voicemail, e-mail or so much as a letter in the mail notifying me of their attempt to collect the debt, nor did I get an opportunity to dispute the debt. Since I found out they are illegally ruining my credit I have called and emailed them in an attempt to resolve the problem and nobody will contact me back. This is and should be criminal.
Product: Debt collection

I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off my Nordstrom card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, Nordstrom sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called Nordstrom on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of XXXX.
Product: Debt collection

XX/XX/2022 XXXX XXXX  I received a call from Midland credit.
Product: Credit card or prepaid card

I have 3 new hard inquiries on my credit report that I did not authorize. I am a victim of identity theft, please help me remove these accounts and put an alert on my credit. 

Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX/XXXX was added to your credit report. 

XXXX  XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX   XXXX XXXX, VA XXXX ( XXXX ) XXXX Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
This inquiry could stay on your report untilXXXX XXXX.
Product: Debt collection

It has come to my attention that a previously deleted fraudulent account has reappeared on my credit report, causing significant distress and concern. 
Account Information : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX -PLEASE DELETE!!! 
I am both shocked and frustrated to discover that the accounts, proven to be fraudulent and deleted from my credit report in the past, has somehow resurfaced. The implications of this reoccurrence are not only detrimental to my creditworthiness but also raise serious questions about the integrity of your bureau 's processes in handling fraudulent accounts. 
The fraudulent account in question was previously deleted from my credit report, indicating that it was recognized as fraudulent. I request an explanation as to how an account that was once confirmed as fraudulent and deleted has been allowed to reappear. I am deeply concerned about the efficacy of your bureau 's verification process. 
Given the established fraudulent nature of this account and its prior deletion, I insist on its immediate removal from my credit report. The reappearance of this account is causing unwarranted harm to my credit standing, and I expect swift corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The total debt reported on my Equifax and XXXX credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.
Product: Credit reporting or other personal consumer reports

I recently did an investigation into my credit and was horrified at the discrepancies that I saw. I am a man of business and work hard to maintain my credit and these false reportings are causing a riff with not only my business but with my personal life as well. The bureaus inability to put in the work to ensure what they are reporting is accurate is creating major issues for me and I need this corrected at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to investigate the following credit inquiries that don't belong to me, or did not authorized them, they told me over the phone that they will not be able to request investigation! They want me to start chasing these companies instead of them investigate them and delete them as they are the agency reporting these incorrect inquiries. 

Inquiries : XXXX XXXX ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Checking or savings account

I received an Comdata " debit '' card from XXXX XXXX This card was provided to me for donating XXXX. They advised me that there are ways to withdraw funds without fees and inside the envelope was a " list of all fees '' paper. This list is on the other side of the welcome sheet where the debit card is glued. I got this card because times are hard and donating was a way to help. The List Fee list " Bank teller withdrawal ( for banks participation in the XXXX XXXX ) '' as the ONLY was to avoid fees when withdrawing funds. I went to XXXX Bank on XX/XX/23 to withdraw {$200.00} for the last two donations. The teller at XXXX advised me that the transaction was declined. I currently have a {$200.00} balance on that card. I then called the customer service number listed on the card, XXXX, and asked where I can withdraw funds without fees. She told me that I can not avoid ATM fees. I explained to her the list fee sheet and read the relevant part verbatim and asked if that was a lie. She told me, " I am sorry, but yes. It is a lie ''. Anytime I withdraw funds, I am subject to Comdata charge of {$1.00} plus whatever the ATM 's owner charges, per withdrawal. I received this card and pamphlet six ( 6 ) days ago on XX/XX/23. The information that comes along with the card, should be accurate and current. I also believe that there should be ways for consumers to use their debit card, without having fees withdrawn, just to access their money. During the call with the customer service agent, she told me that I can go to a Regions Bank and avoid fees. That bank is located in Texas, and I am in XXXX. Comdata/XXXX  fees of {$1.00}, plus the ATM 's owner fee ranging from {$2.00} to {$3.00} per withdrawal is unreasonable. ComdataXXXX is also making it difficult to transfer the funds I have on their card, to my personal bank.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was looking at my credit profile and noticed there was inquiries that are not mine
Product: Student loan

My parents are co-signers on my private student Loan with Navient. I filed XXXX XXXX XXXX  in XX/XX/XXXX. My attorney included this loan on the discharge paperwork. Exactly one year later, my parents begin receiving harassing phone calls demanding payment ( 6-7 calls per day ). Not once have I received a phone call from them. When asked why they won't reach out to me, they simply state, " We can call whoever we want to call. '' Last week, my dad called and spoke to an XXXX. She stated that they would work with me and to have me call her. On Friday, XX/XX/XXXX, I called in and spoke to a XXXX who was anything but helpful. She was very condescending and told me they couldn't work out any type of payment plan with me. When I let her know that I could not afford the full payment and just needed them to work with me ( like they said they would ), she told me there was nothing I could do and it was, " probably because of the bankruptcy. '' I told her that I would pay what I can afford but it wouldn't be the full amount. She got nasty with me and condescendingly said, " Yeah. Ok. Ok then. Sure. '' What kind of people do they hire there? I have dealt with Navient over the years, and this is not my first complaint against them. I'm actually looking to see if there is a lawsuit that I can become a part of because this is absolutely ridiculous. Calling my parents numerous times per day is harassment, and it needs to stop now. Also, it's not lost on me that I have over the years paid off the amount that I actually borrowed. The remaining is all interest and profit for them. If they want any sort of payment, they can work it out with me and give me some sort of payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2019 FORD MOTOR CREDIT REPORTED ME TO XXXX  CONSUMER CREDIT AS BEING LATE I MADE A PHONE PMT BUT FOR SOME REASON FORD DID NOT CAPTURE MY PMT AND REPORTED ME AS 31-59 DAYS LATE THIS IS CLEARLY INCORRECT REPORTING AND FORD REFUSE TO FIX THE ISSUE.
Product: Checking or savings account

I have already made a complaint through CFPB regarding this issue ( see below ). I am not happy with their response because they stated that my phone number had been updated in XXXX ; this not true and, in reality, I received three emails on XX/XX/XXXX from Capital One stating that my phone number had been updated ( see one of the three emails attached ). The Capital One representative also stated that I had attempted to access my online account from overseas and that their 'website security features aren't designed to accommodate international sign-in attempts ' ; in reality, I was in XXXX , Ohio and able to access my account once phone number and login credentials were established. At the same time, in their letter the same representative stated that I was able to login several times successfully on XX/XX/XXXX ( which wouldn't be possible if I was overseas ) ; that is, stating one thing and its contrary ( see attached ). 

Here 's my original complaint through CFPB : On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX. As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number. 

I am asking for compensation for the unnecessary time spent over the phone and writing redundant e-mails to Capital One regarding these matters.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX XXXX has violated my rights. 

I looked at my XXXX, Trans Union, and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I try to contact the company but they say they was going to call me back to see what was going on.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX date XXXX XXXX )