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

The Credit Bureaus NEVER Did Proper Investigationaccording to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE The credit bureaus stated this account was properly investigated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL They Also Violated the law because according to 15U.S.C 1681 Section 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Section 604 A States a Consumer reporting agency can not furnish an account without my written instruction. 


I DID NOT GIVE ANYONE WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

The service representative was harsh and not listening to my questions. Attempting to collect on a debt I thought was in a grace period because I had just finished school in XXXX and it is only XXXX. Why would know one contact me prior to this? I let her know I could n't afford the XXXX a month and I needed to lower my payments. They were aggressive and unwilling to hear it. I fully intend on paying my loans just needs to be something I can afford monthly as to not overextend myself. Hate that my loans even ended up with Navient.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on 11/16/2024. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Debt collection

The complaint is against ATG Credit , LLC for abusive language, aggressive, unlawful collections efforts. ATG never followed the Fair Credit Act by contacting me via us mail to validate debit. After calling to inquire about the negative posting to my account. I was told by the Supervisor/Manager XXXX XXXX that ATG Credit , LLC, has the right to post anything to anyone credit where ever the company wants there is nothing the consumer can do about rather it is incorrect or not. When I was explaining to her that I will only like the chance to validate the debit from XXXX. XXXX XXXX was yelling and threatening to ruin my credit when I mentation I was trying to close on my first home. That client XXXX XXXX University will XXXX validate the credit. This causes undue stress and worries for a single mother of a XXXX-XXXX-old. I just want to buy my first home and obtain the American dream for my son and myself. She knew I was a minority by my account she spoke on that. I called XXXX  XXXX University after the call the account was paid in full and this debit ATG Credit , LLC is collecting on is invalid. The call to ATG LLC was made on XXXX at XXXX central time.
Product: Debt collection

Subject : Formal Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally notify Experian that I have filed several disputes regarding inaccurate and erroneous information on my credit report, both directly with your company and through the Consumer Financial Protection Bureau ( CFPB ). I am also working with legal counsel to address these issues, which I believe stem from long-term neglect and failure to properly investigate and resolve my disputes.

I have repeatedly requested supporting documentation from the reporting companies since XX/XX/XXXX, yet they have failed to provide any evidence to substantiate their claims. Additionally, your company has not adequately addressed the disputes I have raised, nor have you provided the necessary documentation to support your findings, despite my multiple requests. 

Due to Experian 's involvement in ongoing litigation with the CFPB, I am preparing to include myself in that civil lawsuit. I expect compensation for the damages caused by the mishandling of my credit report, including but not limited to the inaccuracies in collection accounts and credit inquiries that I have disputed. These disputes were submitted in writing, via mail, and through phone conversations, yet the information remains unresolved and continues to negatively impact my credit. 

Furthermore, your company 's failure to properly investigate and address these matters has significantly impacted my ability to secure housing, obtain a VA loan, and purchase a vehicle, despite my substantial down payment. I have also faced repeated errors, including the reinsertion of deleted accounts onto my credit report, which constitutes a violation of my rights under the Fair Credit Reporting Act. 

Your company has not provided clear explanations or the requested details regarding the results of any of my disputes, nor have you investigated these matters in good faith. It appears that Experian has prioritized the creditors ' statements over the verifiable facts and my claims, despite the lack of evidence from the creditors to substantiate their reporting. 

As a result of these ongoing issues, I am prepared to take further legal action to hold Experian accountable for the damage caused by these unresolved disputes. I expect prompt resolution of these matters and full compensation for the harm caused to my credit and personal finances. 

In the light of the CFPB lawsuit filed against Experian on XX/XX/XXXX I insist you conduct an investigation as required by FCRA law. Do not accept the findings of the furnishers who do not provide thorough results of their investigation which I will ask you to provide to me in detail via mail. Delete or correct disputed information within the timeline provided by federal law. 

Sincerely, XXXX XXXX
Product: Mortgage

I bought my home in XXXX of 2017. The loan officer gave me 3 closing dates. The third was to be XX/XX/2017. On or about XX/XX/2017 I called to see when paperwork needed to be filled out. He told me he never filed any paperwork assuming I was going to use another loan officer. His company then had a supervisor close the loan in XXXX. My loan was 203k. Around {$75000.00} in renovations were needed. {$25000.00} to be used to fix foundation and waterproof. At that point the ground was frozen and I had to wait until fall. Meanwhile the general contractor worked inside. When it came time for a withdrawal the consultant I hired via the loan company did nothing. It took almost 2 months to get money. Next the contractor took a  job building XXXX XXXX and quit working on my home. Although I did not find out for weeks. He just stopped coming over. Now I'm trying trying to hire a new contractor to finish my home. The 203k consultant has not answered any of my calls or texts. The mortgage company sold my loan within months. The new mortgage company doesn't seem to know what's going on. I've called a few times a week for months now. I have a wife and XXXX children. We lived in a hotel for 8 months. I also paid for a storage unit and eating out 3 times a day. I finally moved in and have been slowly doing what I can out of my own pocket so my family has somewhere to live. I've spent every penny I own this past year. I can't get a response from my consultant and the new loan company is threatening me and calling me every day. I'm less than a month behind on my mortgage. I am living in a living room in a half done home and no one can tell me what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account on my credit report that is not reporting accurately. Upon recent review, I noticed that an account from LOANDEPO.CO is incorrectly listed as having a late payment history. In fact, all payments on this account were made on time. 

The consumer reporting agencies are required to report all information with complete accuracy. This account should not reflect any late payments. I have attached a copy of my credit report highlighting the inaccurate information for your reference. 

I request that you investigate this account and correct the payment history to reflect that all payments were made on time. Please update the record immediately. 

Thank you for your understanding and prompt attention to this matter.
Product: Debt collection

I first heard of this debt on XX/XX/XXXX, when one of their letters was redirected to the correct address for the first time. I went to their page and filled out a form to start a dispute and received no response. 

I next spoke to someone on the phone for the first time on XX/XX/XXXX, in response to the call made XX/XX/XXXX. ( note that the number I was being called from and the number I was told to call are different ). This person had no knowledge of the dispute form I had submitted on XX/XX/XXXX. They gave me an email ( XXXX ) to send my dispute to. I sent a dispute email to that address on XX/XX/XXXX. 

Yesterday, ( XX/XX/XXXX ) 6 days later I received another call and called back. The man on the phone was very aggressive. He told me that they never received my email, ( see proof that it was sent on XX/XX/XXXX ) when I told him that the debt wasn't true and legitimate he told me " Yes it is '' and when I asked someone else to call me back he said " I'm sure they will '' I sent the email again on XXXX multiple times, since they claimed not to have received the email on XX/XX/XXXX. They emailed my wife almost immediately thereafter with a email that simply said " done. ''
Product: Credit card or prepaid card

My  credit score w  ith  XXXX   is  XXXX , with  XXXX  it is  XXXX . When I applied for a ne w   Venture Capital rewards card yesterday ,  XXXX / XXXX  /2017, they  insisted my score was not good enough at  XXXX . My  credit score  has never been that low. When I tried to speak with them, the representative insisted my score with   XXXX    was now  XXXX  when in fact it is  XXXX . The representative also insisted I had to use thei r "   XXXX   XXXX   '' site to  " repair '' my cre dit.   Venture pre-approve d me for the credit card I applied for, then denied the credit saying my score was too low. To date,  XX/XX/  2017 a t   XXXX   XXXX  , their representatives have given me  XXXX  incorrect credit scores and insisted I enroll in "  XXXX   XXXX  '', a service owned and run b  y Venture Capital. T  his kind of action feels like a complete scam. They not only have wrong information but they seem to be unwilling to fix it.
Product: Credit card

I have had a Chase Freedom credit card for a long time. Chase recently sent emails notifying Freedom cardholders that they would be upgraded automatically to Chase Freedom Unlimited. They proceeded to run a hard credit check for the automatic upgrade, which I believe might be illegal. My credit is frozen, so they sent me a letter through online account that the application was denied. I've spoken with Chase Card Services already. I don't want to lose my current credit card, but I am not willing to have a hard credit pull for this Product Change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX  : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud
Product: Credit reporting or other personal consumer reports

I am trying to get XXXX and Experian to verify the bankruptcy that they are claiming that I file and the bankruptcy that they are reporting on my credit file. I have verified with the courts that they listed as that provided them with this information and they have provided me with a letter stating that they do not and have not furnished the credit agencies ( Experian and XXXX ) with no such information. Please see attachments. These agencies is reporting inaccurate information on my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX carmax reported my account late and in 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 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a letter from Simm Associate 's that stated that I owe XXXX for a XXXX account. i called and spoke to XXXX and explained that i never had a XXXX account. i was told that i would need to either pay or call XXXX but not paying would mean that they would sue me and seize my bank account. I tired to explain that i recently had XXXX for XXXX and have limited funds for bills and can not have my account seized. I was told to either pay or call XXXX there was nothing else that could be done. I called XXXX and they stated that I should talk to Simm associates. I called Simm back and was told by XXXX that I need to either pay the balance or that they can seize the money and report it to my credit. I said that i wanted proof that this was an actual account and was told that they could not provide me that and that they had reviewed the account and it was their belief that the account is correct.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to block my accounts however, it appears that this requesthasnot yet been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Product: Credit reporting or other personal consumer reports

After several attempts to rectify the problem to avail, A credit reporting agency Equifax continues to allow fraudulent information to be attached to my credit profile. XXXX XXXX, a car finance company closed my account on XXXX. After an allocated amount of time, a negative item is to be removed. The amount of time a negative item has to remain on a consumers credit profile is contingent upon the date of the last payment pursuant to the guidelines of the FAIR CREDIT REPORTING ACT. EQUIFAX continues to report payments being made to XXXX XXXX account as recently as XX/XX/2023 from myself which is blatantly inaccurate. The inaccurate information gives EQUIFAX the unfair ability to keep the item on my report for a longer term than is legally allowed. This negligent practice of inaccurate reporting has had an adverse effect on my ability to receive and sustain the the promises guaranteed under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX, XXXX, and Experian credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX, XXXX and Experian and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. Thank you. Concerned Customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX, XXXX Balance {$1800.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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