23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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

Equifax continues to report information on my credit report that is not accurate. 

There is {$1100.00} debt on my report that is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made serveral attempts to resolve my issue with XXXX XXXXXXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, XXXX ), this notice includes. Basis of disputed : On XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. Transunion shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment historyXXXX XXXX shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Mailed letter to Experian, XXXX. XXXX  XXXX, XXXX, TX XXXX, pointing out that my address where I have lived since XX/XX/XXXX has been removed from my Experian Credit Report since XXXX. Requested that my address be added to my Experian Credit Report. I enclosed copies of my Driver 's License and Gas Bill to verify the address. 
XX/XX/XXXX Experian sends email with link to completed dispute results, report no. XXXX. My address has not been updated in the credit report. No reason is given. 
XX/XX/XXXX Experian sends second email that dispute is now open. 
XX/XX/XXXX Experian sends third email that address dispute is just about done. 
XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX. XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that they are just about done with the address dispute. 
XX/XX/XXXX Experian sends fourth email that dispute results are now available, report no. XXXX, ID : 1 ( same report no. as second email sent on XX/XX/XXXX ) XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that address dispute results are just about done. 
XX/XX/XXXX Experian sends fourth email that account has been updated confirming address and middle name on my Experian account. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends fifth email that account has been updated. 
XX/XX/XXXX Experian sends sixth email that dispute results are ready, report no. XXXX. My address still has not been updated in the credit report. 

Subsequently there have been periodic emails notifying me that the address has been updated in my credit report. However, they have not updated my address and I have given up trying. Hope the CFPB can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy chapter XXXX XXXX Case # XXXX Date Filed XX/XX/2017 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than XXXX days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Follow-Up on Disputed Credit Report Information Request for Resolution To Whom It May Concern, I am writing to follow up on my previous complaint regarding errors on my credit reports with TransUnion. Despite submitting the necessary documentation, including my state ID and proof of address, the credit bureaus have failed to correct the issues I raised.

As a reminder, I provided my only current and valid address to the credit reporting agencies ; however, outdated addresses remain listed on my credit reports. Additionally, there are several discrepancies involving names, phone numbers, and inquiries that are incorrect or do not belong to me. 

The specific issues I am disputing are as follows : Addresses : 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 Inquiries : XXXX XXXX  ( I have not authorized these inquiries ) I have attached a copy of the FTC report I filed, which further outlines my concern about identity theft and the erroneous information listed on my credit reports.

I am particularly disappointed with TransUnions response to my initial complaint, as they did not address the core issues and simply stated that the information I disputed is not on my credit report. This response does not resolve my concerns, as the erroneous information is still present on my credit reports with TransUnion. 

I am requesting that the CFPB assist in ensuring that the outdated and incorrect informationspecifically the addresses, phone numbers, and names associated with my fileare removed, and that all inaccurate inquiries be properly investigated. I am providing this updated letter as a formal follow-up to my initial complaint, as I have not received the proper resolution. 

Please advise me on the next steps and how to ensure these errors are fully corrected. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have autopay with my American Express Delta Gold Card. In setting up autopay, one has to indicate how many days after the closing date of the statement that you want the auto pay to make the payment. Problems : 1 ) There is no indication on their " Mange Autopay '' as to how many days after the closing date, payment is due. They leave it up to the user to choose the payment date according to their own calculation. This leaves the user open to error in calculation. 2 ) NOWHERE IS THERE THE OBVIOUS OPTION TO PAY ON THE DUE DATE! Most other cards make that option obvious. 3 ) One can only wonder whether AEx is obfuscating to encourage users to choose AEx 's default option which is 15 days after the closing date. It seems patently obstructionist and misleading, not to make the most common response clearer, or, at least make it the default option. Obviously, having people pay 10 days earlier than they need to is very much on the company 's interest.
Product: Debt collection

I am writing to formally file a complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates the prompt removal of inaccurate or fraudulent information upon proper dispute. I am a victim of identity fraud, and despite repeated efforts to have a fraudulent XXXX account ( Account # XXXX ) removed from my credit report, Experian has refused to complyeven after the furnisher, XXXX XXXX XXXX XXXX, has confirmed the account is fraudulent and requested its deletion multiple times. 

Background of the Issue 1. I discovered the fraudulent XXXX account ( XXXX ) on my Experian credit report and disputed it as identity theft. 
XXXX. XXXX XXXX conducted an investigation and confirmed that I am not responsible for this account. 
XXXX. XXXX XXXX has repeatedly requested Experian to remove the fraudulent account from my report. 
XXXX. Despite XXXX  direct requests and my own disputes, Experian refuses to remove the account, harming my credit and violating my rights under FCRA 1681i ( Failure to Reinvestigate Disputes ) and 1681c-2 ( Blocking of Information Resulting from Identity Theft ). 
XXXX. I have received a letter from XXXX XXXX stating they have asked Experian to delete the account multiple times, yet Experian refuses to do so. 

FCRA Violations by Experian FCRA 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a proper reinvestigation of disputed accounts. Experian has failed to do so. 
FCRA 1681s-2 ( a ) ( XXXX ) Requires furnishers to notify credit bureaus of inaccuracies. XXXX XXXX has done this, yet Experian continues to report false data. 
FCRA 1681c-2 ( a ) Mandates that credit bureaus block fraudulent accounts once reported as identity theft. Experian has ignored this law. 
FCRA 1681n Experian is now willfully violating the FCRA, making them liable for damages, including statutory penalties of {$1000.00} per violation, punitive damages, and attorney fees. 

CFPB Lawsuits Prove Experians Systemic Violations The CFPBs lawsuit against Experian ( Case No. XXXX ) has already established a pattern of noncompliance, including failure to : Properly investigate consumer disputes. 
Remove fraudulent information when requested by furnishers. 
Comply with the FCRAs accuracy and reinvestigation requirements. 

Experians refusal to delete this fraudulent account despite the furnishers repeated requests is yet another clear violation of federal law and proof that they are engaged in unfair and deceptive credit reporting practices. 

I have attached copies of XXXX XXXX letter confirming their requests for deletion, my prior dispute letters, and a copy of my credit report highlighting the fraudulent account. 

I request that the CFPB take immediate action to hold Experian accountable and force them to remove this fraudulent account from my file without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date isXX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX  and was told The servicing was sold to a company called SLS Specialized Loan Servicing . 

I was never notified by XXXX XXXX XXXX or SLS ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on SLS that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about SLS they will still report it late due ti know fault on my part Thank You and PLEASE help help me XXXX
Product: Mortgage

THERE IS A FORECLOSURE SALE DATE FOR XX/XX/2021. FAY SERVICING NEVER SENT A LETTER STATING THAT THEY ARE THE NEW SERVICER FOR THE LOAN AT MY PROPERTY ADDRESS. I WOULD LIKE A LOAN MODIFICATION
Product: Credit reporting

Equifax is showing a paid tax lien from California that was supposed to be removed from my credit report. I have disputed this to Equifax months ago and it is still in dispute
Product: Checking or savings account

Called five times regarding rejection of mobile deposits. Was told problem would be escalated three times, never was. Was given multiple reasons for why check was rejected, all false. Lied to and process drawn out longer than necessary. Then told, I could take my checks to any bank.ANY other bank besides XXXX XXXX and cash the checks with no problem even though this representative has no knowledge of my financial history and even after the back of the checks are cluttered with writing.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by your continued failure to address the inaccuracies on my credit report. Despite submitting multiple disputes with clear evidence, you have repeatedly verified incorrect information, which is both negligent and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

This ongoing issue is unacceptable. I demand a comprehensive reinvestigation of the attached documentation and expect you to correct or remove the inaccurate information immediately to ensure my credit report is 100 % accurate.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXdebt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : KAY JEWELERS XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX keeps calling me after I have told her to stop calling me regarding someone who has used me as a reference. 
. 
I do not have a loan with this company and they keep harassing me after I have repeatedly asked them to stop contacting me. 

This company has called me several times a week since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation.

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX