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

Re : Experian Response to CFPB Complaint # - XXXX dated XX/XX/2023 To Whom It May Concern, I am writing in response to your statement dated XX/XX/2023, concerning my complaint about the inaccurate personal information on my consumer report. Your response mentioned, You are requesting these items be removed. Regarding the remaining names and addresses on your credit report, please note that we store address and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report the address and name listings and they are a part of your credit history. If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. 

I would like to highlight that this response is not only an act of negligent noncompliance pursuant to the Fair Credit Reporting Act ( FCRA ) section 617 but also a direct violation of 15 USC 1681i - Procedure in case of disputed accuracy.

15 USC 1681i ( a ) ( 1 ) ( A ) states that, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Furthermore, 15 USC 1681i ( a ) ( 2 ) ( A ) mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer and the consumer provides the consumer reporting agency with notice of such a dispute, the agency must, before the end of the 5-business-day period beginning on the date on which the agency receives the notice of the dispute, notify any person who provided the disputed information of the dispute. This notification should include all relevant information regarding the dispute that the agency has received from the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the lack of resolution regarding the fraudulent items on my credit report, despite my previous attempts to rectify the situation. This marks my second formal complaint, and I am deeply concerned about the lasting impact on my financial well-being. 

Despite my initial dispute and submission of supporting documentation, these fraudulent entries persist on my credit report, casting doubt on the effectiveness of the correction process. 

Despite my previous efforts, the fraudulent entries remain on my credit report, indicating a failure in the credit reporting process to adequately address and rectify fraudulent activities. 

The presence of these fraudulent items continues to have a detrimental impact on my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear communication regarding the status and resolution of my dispute has further exacerbated my frustration and uncertainty about the steps being taken to address the inaccuracies. 

I urge you to conduct a comprehensive and expedited re-investigation into the fraudulent items on my credit report, taking into account all the evidence and documentation previously provided during my initial dispute. 

Upon confirmation of the inaccuracies, I insist on the immediate removal of the fraudulent items from my credit report to prevent further harm to my creditworthiness. 

I expect clear and consistent communication from your bureau, providing updates on the progress of the re-investigation and the steps being taken to rectify the issues. 

I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA section 605b and remove the following items completely from my Credit File : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 

Kindly fix this account : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I applied for Mortgage loan with my bank, XXXX XXXX ( Home mortgage consultant ) NMLSR ID # XXXX reached out to me by phone and told me verbally what are the rates and the lender fee and she was nice, I submitted an application online and submitted every document she asked me for!! I got my pre-approval letter and I started looking for houses and when I found the house I want to buy, I signed my contract and 2 days later I asked her for my loan estimate, she started going around every question I asked about that and told me over the phone that I cant provide your loan estimate till I pay the fees up front!! I searched it and spoke to multi lender to find out that by law She provide me my loan estimate after 3 days of submitting my application. I sent her email asking for that again or I will reach out to CFPB and she called me talking rude and she said that she is not willing to do that till I make a real deal!! Shes trying to let me pay the fees up front and I have no idea what it will costs me to close on that house!!! She wants me get stuck with her offer!!! Please help
Product: Credit reporting or other personal consumer reports

To whom may concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA mandates that credit reporting agencies maintain and report accurate, complete, and verifiable information. The discrepancies outlined below violate these standards and have caused harm to my creditworthiness. 

The account in question, referenced as XXXX XXXXXXXX XXXX XXXX, is being reported differently across the three major credit reporting agencies. Below are the inconsistencies I have identified : XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$7600.00} Payment History : No history reported XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$0.00} Payment History : 61 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
Experian : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : Not reported Payment History : 40 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
These discrepancies are not only a clear violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report, but they also reflect gross negligence in verifying the data provided by the data furnishers. 

Furthermore, the repeated " charge-off '' entries violate the principle that a single debt can not be reported as charged off multiple times, as this unfairly extends the negative impact on my credit file. This action contravenes the statute of limitations under federal and state laws. 

I am demanding an immediate investigation into these inaccuracies, as required under FCRA 1681i ( a ). Please : Conduct a thorough investigation of the discrepancies reported. 
Provide a detailed explanation of the investigation 's outcome. 
Correct or delete the inaccurate information. 
Provide me with a free updated copy of my credit report reflecting the corrections. 
Failure to comply with this request within the legally mandated 30-day period will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse for damages caused by your negligent reporting practices. 

I have attached supporting documentation for your review. Please confirm receipt of this letter and provide an update on your progress within five business days. 

Thank you for your prompt attention to this matter.
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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove
Product: Mortgage

Attempting to sell my property, XXXX XXXX XXXX XXXX MD realtor told me house was paid in full and another home in XXXX XXXX MD on XXXX XXXX XXXX, XXXX MD also paid in full. The Maryland land property records show a forged, false and fraud power of attorney filed with the my home deeds Book XXXX, Page 292, file XX/XX/2019. This forged power of attorney signed by my now ex husband. Issues surrounding equity in my home I can not access and have tried reaching out to lender/servicer, title is missing, mortgage lender XXXX XXXX XXXX and XXXX XXXX  . Original lender Ocwen  now is PHH mortgage, customer account activitiy statement shows my payments are transferred as " Cash '' to " corporate '' not to mortgage/debt. Issues surrounding XXXX XXXX insurance policies, in which XXXX XXXX XXXX XXXX issued a $ XXXX dollar rental and business policy on my residential property. They will not honor any valid claims for damage to home, without significant deductible yet has extraordinary cost and policy changes without my knowledge. MERS shows home is paid off, mortgage servicer shows only a " hazard insurance '' XXXX XXXX  shows significant policy difference, I am unable to access equity, Trusts in mortgage loan related to deed, that include a {$10000.00} payment to XXXX XXXX XXXX, and another $ XXXX easement for upgrade sewer system, Town of XXXX, MD. Property assessments have been altered since purchase of home. These easements, covenants and restriction due to forged/false power of attorney making change decision on my behalf. Trusts making it impossible to sell my home, multiple properties confirmed in my name by XXXX XXXX and Maryland Land records. Fraud EIN created using my SSN, false " businesses '' that may be stealing equity in my home, through unethical mortgage loan, insurance. I have sever HVAC repair need and can not access equity or sell my home, no realtor ( 6 have interviewed ) will sell my home or know how to assist.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. XXXX Date of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX Date of inquiry : XX/XX/XXXX 14. XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX Date of inquiry : XX/XX/XXXX 16. XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX Date of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX Date of inquiry : XX/XX/XXXX 22. XXXX XXXX Account Number : XXXX 23. XXXX XXXX Account Number : XXXX 24. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Mortgage

On XXXX XXXX XXXX XXXX tax office in Alabama called to inform me that my property tax was delinquent and my taxes haven't been paid. I am currently contacting Pennymac that is my loan holder.
Product: Checking or savings account

Received an email from Chime Bank that my Phone number had been changed on my account. 

I do not have nor have I authorized an account with Chime bank. I have no business relationship with them whatsoever.
Product: Vehicle loan or lease

I was denied credit from this company, but my objective when applying for credit was to have a credit application drawn up so I may extend my credit to this company. under 12 CFR 1002.7 it states a creditor shall not refuse to grant an individual account to a credit worthy applicant on any prohibited bases. Also 12 CFR 1002 regulation " B '' ( equal credit opportunity act ) is there to promote availability to credit worthy applicants, so they would be in violation. 12 CFR 1002.4 ( D ) states a creditor that provides in writing any disclosures or information required by this part must provide the disclosures in a clear and conspicuous manner. On XX/XX/year>, I applied on an application to B.O.A but their application was not one for use by a natural person, consumer, and original creditor. The federal law for consumer rights protections does not define what a loan is, so I did not want to use that terminology when applying but there were no other accessible forms. I was denied use of my social security card as my credit card when under 15 usc 1602 ( I ) it states any card used to get money, property, labor or services on credit. On my adverse action letter from them it puts that I have major derogatory or delinquencies on my file, but some of those are from closed accounts and debts that were not validated or verified.
Product: Mortgage

Upon receiving a promo with ID # XXXX from US Bank to refinance. I was denied based on some senseless technicality. I have renters in the unit that make payments. The payments would have been lower and should have been approved. They claim it was some federal regulations that prevented the approval. 

I have received numerous promos from various banks and financial institutions. All inform me of this nonsense. I consider it to be harassment to make offers ; waste my time ; and build up hope just to be denied. They will not stop sending this so called opportunities ( offers of deception ). 

Stop them from contacting me or follow through with their offers. 

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

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$21.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

on XXXX/ 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my aacount, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. 
I immediately check my bank account, then the bank said the check ca n't be verified. 
I ca n't believe the morgens of chase bank made this kind deal with those people, First, the bank shows my check has been deposited successfully. Second, when the theft took my money, chase deny the check the was successfully deposited. 
I really need helps. I 'm still a XXXX, that is a lot of money to me
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the major credit reporting agencies ( XXXX, Experian, and XXXX ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed theXX/XX/XXXX as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XX/XX/XXXX stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or vali

date any bankruptcy-related information for the credit bureaus. Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.