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

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your XXXX XXXX. 

Your agency is in violation! 
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 respectfully ask that this company cease reporting the accounts stated in my dispute letter to my consumer reports and to compensate me pursuant to 15 USC 1681n via electronic funds transfer for damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just simply want to place a Credit Security Freeze with Experian and it is impossible! I have an account with Experian and I am properly identified. I can access my credit reports and so on. However when trying to place a Security Freeze on my credit is like they do n't know me and the service is not being offered at the same web site as I regularly log-in to access my credit report. Nevertheless and after providing all reque sted information the web site responds with " We can not process your request '' you have to send proper ID thru mail ''. That is crazy and defeats the whole purpose of trying to place a credit freeze. I will never send that documentation via mail because is not secure. They offer another service to upload the documents online and it also fails even though I follow carefully the instructions. They are useless and they should be banned as a credit monitoring agency!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute Regarding Missing 1099 Statement for XXXX XXXX I hope this letter finds you well. I am writing to dispute the accuracy of my credit report and bring to your attention the absence of a 1099 statement from XXXX XXXX XXXX account # XXXX regarding my car loan for the tax year 2022. Despite my efforts to obtain the necessary documentation, the bank has failed to provide me with the required 1099 statement for tax reporting purposes. 

As per my understanding and in accordance with IRS regulations, financial institutions are responsible for providing their customers with the appropriate tax documents, including 1099 statements, for taxable income earned through loans and other financial arrangements. Unfortunately, XXXX XXXX XXXX has not fulfilled this obligation in my case. 

I have made multiple attempts to contact XXXX XXXXXXXX XXXX to request the 1099 statement for my car loan, but all my efforts have been in vain. I have spoken with their customer service representatives, sent emails, and even submitted written requests, but to no avail. Despite assurances that the matter would be resolved promptly, I have yet to receive the necessary documentation. 

I am writing to inform you of this discrepancy in my credit report and request your intervention to rectify the situation. I kindly ask that you investigate this matter and remove any negative reporting related to the missing 1099 statement from XXXX XXXX XXXX account # XXXX. It is essential to note that the absence of the 1099 statement inaccurately reflects my tax reporting obligations and may negatively impact my creditworthiness. 

I have enclosed copies of the correspondence exchanged with [ Bank Name ] and any supporting documentation to substantiate my claims. I believe this evidence will demonstrate my genuine efforts to obtain the necessary documentation and the failure of XXXX XXXX XXXX # XXXX to fulfill their obligations in providing the 1099 statement. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a written response regarding the outcome of your investigation. Furthermore, I request that any negative reporting related to this issue be corrected or removed from my credit report promptly. 

I appreciate your attention to this matter and your commitment to upholding the accuracy and integrity of credit reporting. I trust that you will take the necessary steps to rectify this discrepancy and ensure the fair representation of my credit history. 

Should you require any additional information or documentation to support this dispute, please do not hesitate to contact me at your earliest convenience. I am more than willing to provide any necessary details to facilitate a timely resolution. 

Thank you for your understanding and prompt action in addressing this matter. I look forward to a favorable resolution and the accurate representation of my credit history. 

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

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Dear Experian Dispute Resolution Department, I am writing to formally dispute inaccurate information that appears on my credit report. Despite previous attempts to address these inaccuracies, the disputed items remain unresolved. I believe Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ).

Disputed Items : [ List the account names, account numbers, and the specific inaccuracies. ] Issues Encountered : 1. Failure to Conduct a Reasonable Reinvestigation : Like issues highlighted in the recent CFPB lawsuit, Experian has failed to conduct a proper reinvestigation of my disputes. For instance : Disputes were processed without incorporating all the evidence I submitted.

Responses from data furnishers were uncritically accepted despite inconsistencies.

2. Inadequate Communication of Reinvestigation Results : I received results letters that were unclear, contradictory, or failed to explain what information was updated or corrected.

3. Failure to Delete or Correct Inaccurate Information : Experian has not removed or corrected information that was proven inaccurate or unverifiable, resulting in ongoing harm to my credit profile.

Requested Action : I request that Experian : Conduct a thorough reinvestigation of the disputed items listed above.

Provide a clear and detailed response to each dispute, identifying any changes made to my credit report.

Remove any information that is inaccurate, unverifiable, or incomplete.

Enclosed are copies of supporting documentation for your review ( e.g., prior dispute submissions, payment records, settlement agreements ).

Please complete your reinvestigation within 30 days, as required by the FCRA. Should Experian fail to comply, I reserve the right to file a complaint with the CFPB and pursue other legal remedies.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide updates on the resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute regarding Public Record XX/XX/2022. Provided letter from XXXX XXXX verifying information was deleted and submitted to bureau. Bureaus continues disregarding FCRA by verifying information properly and violating Privacy Act laws. 

Called company XXXX XX/XX/2022. Was informed by employee that bureau did not use the letter from XXXX XXXX because it was only 1 page and not all 12 pages. Employee also informed my I should contact Court of Record for information. I informed the employee bureau is responsible for validating information. 

Documentation mailed to Bureau XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that appears on my credit report. The fraudulent account is Account Name : XXXX XXXX XXXX Account Number : XXXX After reviewing my credit report, I noticed this account listed under my name, and it has been opened without my authorization. This is a case of identity theft, and I request that this fraudulent account be immediately removed from my credit report. 

Please investigate this matter and remove the fraudulent account from my credit file. I have attached supporting documentation to assist in verifying my claim which is a FTC IDENTITY THEFT REPORT
Product: Debt collection

Again and again while obtaining my credit report I've noticed inaccurate and fabricated information on my credit report regarding the account of Ally Financial Bank ... See attachment!!! On report XXXX date of last activity section of the following listing. Experian '' is reporting a date of last activity of XX/XX/2018. However, Transunion is reporting a date of last activity XX/XX/2018. If this is the same account, reported by the same creditor how are numbers different? THIS IS IN VIOLATION OF MY RIGHTS. This account has been so negatively impacting my life. While they are continuing reporting inaccuracies I have been disputing this for more than a year it has not been resolved. With little to no response back. I request that this account to be removed from my credit reports immediately due the face Ally Financial is reporting inaccurate and inconsistent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX XXXX XXXX were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation accounts
Product: Credit reporting or other personal consumer reports

Account Current LOBEL FINANCIAL CORP has reported Positive Activity : Account Current. 

XX/XX/XXXX Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. 
Source : XXXX XXXX : LOBEL FINANCIAL CORP Address : XXXX XXXX XXXX, XXXX, CA XXXX Current Status : ACCOUNT CURRENT Balance : {$8100.00} now Confirmation of Payment Request Received Payment Amount : {$930.00}, including service fee of {$5.00} Payment Date : XXXX XXXX, XXXX XXXX ET Payment Status : Approved Thank you. 

Lobel Financial. 

/-then PAID FOR THIS PreContract scam, THEY SAY THAT PART IS NOT COVERED. I specifically ask what is covered, when mechanic speaks with them, its not Covered like evert part, including the one they specifically told me was covered 4WD or AWD Vehicle OPTIONS : Air Conditioning Commercial Use +Day One Coverage +24 Months and Unlimited Miles. 
Drive Axle Electrical Fuel Seals & Gaskets Drive Battery Pack {$6000.00} Aggregate Limit Lift Kit & Tire Modification Service Drive ROADSIDE ASSISTANCE Full-TermDEDUCTIBLE {$100.00} {$0.00} CONTRACT PURCHASE DATE XX/XX/XXXX CONTRACT PUR PRICE : {$1600.00} SO NOT ONLY did. Lobel get a monthly premium of approximately {$350.00} but I was required to pay each month {$440.00} for the LDW coverage. This LDW coverage was in lieu of force-placing collateral-protection insurance and had been represented as a product where Lobel would pay for the cost of covered repairs and, in the event of a total vehicle loss, cancel the borrowers debt. 
Instead, They gave the run around n after roughly Five months at the collision repair shop, I was asked to get the car towed somewhere else Or pay storage fee, they tried but storage fees will be required car has been there nearly 6 months and Lobel was unprofessional and so i got car towed to mechanic shop. And thats when I realized i got cheated out of My pre contract add-on And immediately after leaving collision repair shop, its was reported Repossession, my Last payment of {$920.00} On XX/XX/XXXX Balance as of XX/XX/XXXX {$7400.00} Now I owe according to Lobel nearly XXXX dollars. I also will have to file a motion to reverse default judgement, I was completely unaware I was being sued, and still My credit continues to plummet because Lobel keeps reporting late payments to credit bureau with inaccurate dates for my payments and Amounts, and every time I Dispute they just keep winning and nothing happens rightfully on my End because here goes more interest fee And lates fees hiking The. Past due after the car was sold and wrote of a few time
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return manager made me sign a Vehicle Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made 7 payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent to the credit reporting agencies regarding accountXX/XX/XXXX XXXX due to incorrect information. I had an agreement with the creditor to remove this account once it was paid off, so I am confused as to why this is still reporting. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). This account should be removed immediately due to the fact that I had an agreement with the original creditor and because the information is inaccurate. I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different balances you are reporting for the same account number.
Product: Student loan

I am a participant in the Public Service Loan Forgiveness program. Since 2018, FedLoan Servicing has been placing Loans # XXXX, XXXX, XXXX on administrative forbearance. I have called to remove the administrative forbearance on these loans when I see a billing statement when they are not included. Some loans getting taking out of administrative forbearance and some remain. This has caused me to miss out on as many as 22 qualifying payments for PSLF ( see loan # XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Complaint is on Experian Trying to set up free account so I may freeze my credit to prevent fraud. I did this simply process with XXXX and XXXX very easily. I can not get this set up on Experian. I set up account and could sign in but only page that appeared is for me to run a credit report. I don't need that I just need tab to freeze the account. Tried calling Experian but the number they provide you can not speak to a person to get assistance. They are not available to help on the weekends so had to call during my work. Finally got to a person. Bounced to 5 different departments and no one can fix my problem signing in. My husband is having the same issues so it is definitely something wrong with their system. Lets you change password but when you sign in and immediately says error. I was on the phone for over an hour with no resolution. Was told I needed to wait 7-10 days and try again. This does not seem right. Consumer should have to the right to freeze account. Website should be very user friendly. 

Someone needs to take a look at the procedures. Something is not right here. consumers are going to be hurt.