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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian I am writing to you for the third time to formally dispute inaccurate information ( previously deleted and appearing again ) on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Finance Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations ' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner or never completed. 

Please delete the inaccurate information being reported. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got my loan in XXXX XXXX Texas. It got transferred to XXXX tho. When I was offered to refinance. I couldn't because my income from my loan was not what I submitted. I had never seen them before showing I made so much more than I really did. XXXX tons them I got paid cash. And now I'm stuck in this loan and if something comes up. I can't ever refinance if because the XXXX XXXX branch Lendmark financial made fake income verification for me just to book a loan. In fact I know quite a see people who are in the same boat as me. We all got our loans in XXXX XXXX Texas too. Told us so much lies to get it on top of fraud. Now we all screwed.
Product: Mortgage

I submitted a full, entire modification Package, confirmed by rep at Rushmore Loan management. The full package was received on XX/XX/2022, 40 days before foreclosure XXXX here is the email time stamp attached They are not stopping foreclosure sale as per federal law stated below : Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, I have phone calls recorded and proof of full submission within 40 days but they are claiming now that they start counting once package is reviewed. Please assist in having then comply with federal law.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX 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 XXXXXXXX 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 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 am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXXXXXX XX/XX/XXXX Charge Off/Collection : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Information : Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX  Name : XXXX XXXX XXXX
Product: Debt collection

Repeated phone calls while Im at work, attempting to collect on an alleged debt that over 5 years old. The statute of limitations for Texas is 4 years.
Product: Credit reporting or other personal consumer reports

YOUR COMPANY IS REPORTING AN ACCOUNT ON MY REPORT THAT IS REPORTING INACCURATE, INCOMPLETE & NEGATIVE INFORMATION ON MY CONSUMER REPORT. IT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN ALL 3 CRA 's . IT IS ALSO SHOWING INACCURATE PAYMENT HISTORY IN THE ACCOUNT BETWEEN EXPERIAN, XXXX XXXX XXXX. THIS IS A VIOLATION OF THE FCRA. THE ACCOUNT MUST BE DELETED FOR THIS VIOLATION. DELETE (XX/XX/XXXX XXXX )
Product: Checking or savings account

Bank of America accepted an application I did not send them for a bank account in XX/XX/2023. It was identity theft. I got the account closed and signed up with XXXX and put a security freeze in place with XXXX for all future applications with my name and or social security on them. Again in XXXX Bank of America again approved another application for a bank account with my name and social security number. It is now closed again. However I am learning from XXXX that BoA never even rank information even they received it to see the security freeze. I have XXXX  but still am getting tired of BoA doing this over and over.
Product: Debt collection

I recently received a letter from the Fair Collections and Outsourcing Inc, in an attempt to collect a debt that was not mine. 

Today, I visited the property that sent me to collections for this unpaid apartment application in an attempt to learn more about how this happened. 

The property manager XXXX XXXX printed documents showing that my name and social security number were used with additional information to include phone number and addresses that didn't belong to me. The person who pretended to be me when applying for this application listed their bank as XXXX XXXX XXXX XXXX a bank I have never belonged too nor had dealings with. 

The property manager agreed that it was identity theft which occurred but continues to direct me to deal with the collections agency he forwarded me too, instead of dropping the collection. 

He even stated that he opened another claim against me but was not sure if it was tied to the same account number. 

I am not responsible for this charge nor was I the person that initiated it. 
The only thing that was valid in this person 's application in an attempt to impersonate me was the name and social security number from the documents that I see.
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN XXXX AND SUNTRUST I AM NOT REALLY SURE WHO TO BLAME AT THIS POINT. I AM VICTIM OF AN IDENTITY THEFT, FOR MONTHS I HAVE BEEN SENDING DOCUMENTATION TO BOTH COMPANIES TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I DONT KNOW WHAT ELSE TO DO, WHO TO COMPLAIN. PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED, ITS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.XXXX also updated my account saying I paid {$2.00} which was not true.
Product: Credit reporting or other personal consumer reports

These inquiries are not approved by me and there are no authorization by me. I demand their prompt expulsion from my credit report.
Product: Mortgage

XXXX XXXX XXXX sold our home loan to someone else. When we went for a meeting with XXXX ; they did not inform us that our mortgage had been sold. The company handling the loan ; Select Portfolio has now been threatening us with foreclose after their representative told us not to pay during the re-fi procedure.. We did n't. 
Now ; I am receiving foreclosure notices. My XXXX XXXX XXXX mother moved in last year after breaking her hip. This is unacceptable to me. The house is falling apart. We have no where to move. Our business is now located in our house. Wish I could call it a home. However ; the people at XXXX are not only deceptive. They are n't helpful in the least.We do n't know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Results of my dispute were mailed to me via USPS indicating that my dispute had resulted in 7 items being deleted from my credit report, as indicated in attached file. 

Items are still appearing on my credit report 4 months later and Equifax phone operators place me in a permanent phone loop, leaving me on hold for hours
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Product: Credit reporting or other personal consumer reports

The term that is being reported is reporting inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PHEAA is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in 2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  account # XXXX and account # XXXX have 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update or delete these disputed items. Please forward me the name and address of the persons contacted. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} CAPITAL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXX XXXX
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name XXXX XXXX XXXXXXXX # 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 recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my Equifax report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under code 15 USC 1681. I had recently submitted dispute letters to all three credit agencies regarding all of the inaccuracies and inconsistencies of my credit report. They also have my sisters name on my credit report was just goes to show the nonchalant attitude towards peoples credit reports and the dont care of correct information below. I have all the tracking numbers provided as well as the accounts that I am referring to on my credit report. I will also be attaching pictures to display the inaccuracies on my credit report. I have also sent complaints to the Attorney General as well. 

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 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

All of these consumer laws have been violated, and I demand all above accounts be the deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and infromation that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$290.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit card

My payment for XX/XX/year> was returned by Capital One 360 checking account. So the Capital one credit card ending XXXX was charged me XX/XX/XXXX past due fee {$25.00} & XX/XX/XXXX interest {$8.00}. The reason for returned fee was the checking account post my transfer 3 days later, this was not my fault! 
Since both checking and Credit Card are from Capital One, I am complaining with same company.
Product: Credit card

I closed an account in 2021 and had only a few dollars on it. I told them to take the money from the card I had normally paid from, and assumed they did for the past 2-3 years. Turns out they did not do that and are now charging me XXXX dollars. This is unacceptable and predatory business practices
Product: Debt collection

Synergetic is requesting a payment however the buyer name & buyers signature does not match. Im requesting the company remove this debt with all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX I have reached XXXXXXXX XXXX XXXX dept and all 3 credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXXXXXX XXXX XXXXXXXX Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXXXXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.
Product: Checking or savings account

Capital One not depositing my paycheck, due by XXXX XXXX XXXX My company has confirmed that it was sent and i am now missing out on two weeks worth of pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.
Product: Debt collection

Could you please take a moment to review and examine the attached documents? I belie ve your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft I have an identity, theft, protection company XXXX together we have submitted copies of the police report along with the identity, theft, affidavit, notarized to XXXX XXXX XXXX services and the original creditor, continental finance company , XXXX XXXX XXXX XXXX XXXX and they have refused to remove it from my credit report to date any follow up calls that we make they just indicate it is under review. They refuse to stop the negative reporting.
Product: Checking or savings account

Good morning. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXXXXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. They are not helping me remove something that didnt cause by me Chex systems when I call are very rude and not helping. I need to know if Im able to open a account now its been years and I have a right to do that because I never had this problem in my life. This is ridiculous and Im highly upset and if I have to sue the company of not understanding my issue or accusing me this was my fault I will do so. I need some one higher of a company to help me with my issue.
Product: Credit card or prepaid card

I can't get this credit card company to SIMPLY send me my billing statement by regular united states postal service mail. I can't pay the balance without the statement.