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

I am filing this complaint because Experian and XXXX are inaccurately reporting inconsistent payment histories for my XXXX XXXX and XXXX XXXX accounts. Despite submitting disputes to correct these inaccuracies, the accounts were returned as " verified and accurate, '' which is demonstrably false. This indicates a failure to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ).

These violations have caused financial harm, emotional distress, and an unfair impact on my creditworthiness. I am requesting corrective action, enforcement of my consumer rights, and monetary compensation for damages caused by these violations.

Violations of My Consumer Rights 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy in credit reports. Experian and XXXX failed in this duty by reporting inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
XXXX. Inadequate Dispute Investigation ( 15 U.S.C. 1681i ( a ) ) When I disputed the inaccuracies, Experian and XXXX returned the accounts as " verified and accurate '' without conducting a reasonable reinvestigation. This violates my rights under 15 U.S.C. 1681i ( a ), which requires CRAs to thoroughly review disputed information.

3. Failure to Delete Unverifiable or Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite their inability to verify the disputed information, Experian and XXXX have refused to delete it from my credit report. This failure violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable information. 
4. Furnishers Violations of Reporting Duties ( 15 U.S.C. 1681s-2 ( b ) ) XXXX XXXX and XXXX XXXX. failed to conduct a proper investigation and provide accurate and consistent data to Experian and XXXX after being notified of my disputes. This violates 15 U.S.C. 1681s-2 ( b ), which imposes a duty on furnishers to investigate disputes forwarded by CRAs. 

I am providing the following documentation to substantiate my claims : Credit Reports : Copies of my Experian and XXXX credit reports showing inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
Account Statements : Payment records from XXXX XXXX and XXXX XXXX demonstrating the accurate payment history. 
Dispute Records : Documentation of my prior disputes with Experian and XXXX, including their responses verifying the accounts as " accurate. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I have been using Capital One XXXX XXXX card for more than 5 years. Generally, the card is very handy and easy to manage. However, in XX/XX/2018, I submitted a dispute case related to a merchant ( XXXX ),  and the dispute case is a large amount dispute ( {$5900.00} ), capital one is not able to dispute this charge in a fair and helpful way and capital one rebilled this amount on my card without the right reason and due process. 

Before the rebill, I tried to coordinate Capital one 's requirements to upload all the documents and the documents uploading failed multiple times due to technical problem from capital one website. And then, capital one holds me accountable for not uploading the documents on time and closed the dispute without reviewing or collection those documents before the close of my case. 

I received the rebill on my card on XX/XX/XXXX, and before this XXXX rebill, I did not receive any communication from capital one to request for more information. I chatted with XXXX agent online around XX/XX/XXXX and told the agent that I was moving and may have difficulty receiving mails. I asked her to check if there is any mail related to this dispute case on my profile, and I was told there had been none since I asked XXXX to reopen the dispute case. It was not true. On XX/XX/XXXX, I got a letter from Capital one and the letter said because I did not provide documents to capital one by XX/XX/XXXX, capital one had to close the case. 

I contacted capital one on XX/XX/XXXX and let the dispute associate know that I was moving and did not get the letter asking for more information. The agent online told me that a case owner would contact me within 24-48 hours. 

On XX/XX/XXXX, I did not get any call or contact and then I called in and was told a specialist would contact me by XXXX XX/XX/2018 XXXX. And then, the call is not happening and I called in dispute dept again and the case is finally getting reviewed at the dipute dept. However, the entire process is more than 180 days and it is definitely not the right course to close such an obvious zero performance case without refunding consumer 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 convergent account has violated my rights. petal 1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also XXXXXXXX XXXX XXXX  usc 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and transunion
Product: Debt collection

we do not have an account with XX/XX/XXXX and XX/XX/XXXX
Product: Student loan

I have been enrolled in an auto pay plan wit h Navient for th e past 2 years. I have made each payment on time and some months early. I called due to my financial situation changing ( we have a  XXXX  and my husband lost his job ). I am now the sole income for a household  of 3. I inqu ired on a hardship or reducing my payment amount so that I can make ends meet at home. I advised them I want to continue to pay and remain in good standing but I 'm not able to do so at this payment amount. I was bluntly informed there were no other payment options available and my payment was not going to be reduced because it is a private loan. I attended  XXXX   XXXX  when I obtained these loans through  Sallie Mae
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused where Experian and XXXX  get this public information Chapter XXXX Bankruptcy XXXX XXXX XXXX The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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

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 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't 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 ( il ) 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

XXXX XXXX XXXX XXXX {$490.00}, XXXX XXXX {$3000.00}, XXXX XXXX {$2200.00} XXXX XXXX, {$500.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( Inquiry ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( Inquiry ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ( Inquiry ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX WI, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( Inquiry ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX MI, XXXX ( Inquiry ) XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX ( Inquiry ) These inquires and collections do not belong to me!
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

i need resolving a complaint with the credit reporting agency. I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Consumer Reports and noticed there are Fraudulent accounts on my credit report : * XXXX Account # XXXX Validate Account * XXXX  XXXX XXXX Account XXXX # XXXXValidate account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " TransUnion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

In accordance with Fair Credit Act 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. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied to XXXX XXXX / XXXX XXXX for a VA Loan. At the time, I had a temporary freeze on my XXXX and XXXX reports, but not on TransUnion. When they pulled the report, they were unable to access all three bureaus because of the temporary freeze. That day, I temporarily lifted the freeze on both XXXX and XXXX thru XX/XX/XXXX and confirmed that there was no freeze on TransUnion. XXXXXXXX XXXX tried to pull my credit report the next day ( because they said they have to wait 24 hours ) and were only able to pull XXXX. At the same time, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXk were able to access all three reports. On XX/XX/XXXX, I permanently removed the freeze at XXXX  and XXXX, before my temporary lift expired, and again confirmed that there was no freeze at TransUnion. I asked XXXX Loans again to pull my reports. They continually say they can only pull XXXX. On XX/XX/XXXX I asked them to have their Technology team make sure there wasn't an issue in their system preventing them from pulling the other two bureaus. On XX/XX/XXXX, they responded that their Technology team has verified that there is no problem with their system. As recently as today, XX/XX/XXXX, they say then can not pull the other two bureaus. On XX/XX/XXXX I called XXXX, who confirmed for me that my personal data is correct and that there is no freeze or block of any kind on my report. They stated that if XXXX XXXX is entering my name in a manner differently from what they have on file, that could be the problem. I have been unable to reach anyone at TransUnion or at XXXX XXXX to check the same info on my TransUnion report. I am currently being denied credit by XXXXXXXX XXXX on the sole basis on the one bureau they can pull, XXXX, where my score for mortgage is showing as XXXX. XXXX XXXX says their threshold for approval is XXXX. Three of the lenders who have successfully pulled all three bureaus have confirmed that my median score is the TransUnion score that XXXX can not access, at XXXX. Meaning my XXXX  score is also higher. Because XXXX LXXXX  can not access two of the three bureaus, I am being wrongly denied credit that they have acknowledged I would qualify for based on my median score exceeding their threshold. XXXXXXXX XXXX has told me that because they have tried to pull three different times and only come up with the one score, they can not try to pull my full tri-merge report again.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681b, a consumer reporting agency may not furnish a consumer report without permissible purpose. If this account resulted from identity theft or fraudulent activity, any reporting of late payments is unlawful.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information shall not report information that it knows or has reasonable cause to believe is inaccurate. If the reported late payments are incorrect, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore : 15 U.S.C. 1666b : Creditors must apply payments promptly and accurately. Any misapplication leading to a late payment is a violation. 
15 U.S.C. 1666c : A creditor must provide clear disclosures about billing disputes and corrections.

15 U.S.C. 1681s-2 ( b ) : Once notified of a dispute, a creditor must conduct a reasonable investigation and correct any errors. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting data they know or should reasonably know is inaccurate. The presence of these fraudulent late payments on my report indicates a violation of this statute. 

I request the following actions : 1. A formal investigation into this identity theft claim 2. Immediate removal of the fraudulent late payments from my credit report 3. Assistance in placing fraud alerts and security measures on my credit file to prevent further unauthorized reporting 4. Written confirmation of the results of this investigation Enclosed, I have included the following documents to support my claim : A copy of my government-issued ID A copy of my credit report highlighting the fraudulent entries Any relevant supporting documentation Please process this dispute urgently, as these fraudulent late payments are damaging my creditworthiness. I appreciate your prompt attention to this matter and request a written response confirming the actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}
Product: Credit card

I have had a credit card with American Express since 2005. I had a limit as high as {$50000.00} at one point. After the economy collapse, my credit limit was slashed. I understood why that happened. I 've watched my interest rate increase including twice in one year. Again I did n't say anything. I extended myself buying and refurbishing a rental house including this card. Finally, when I was able to place a mortgage on my rental, I used the funds to pay off debts, including this card. I 'm consolidating and closing accounts but I wanted to keep this card. It was accidentally closed when it was paid off. I called and asked to have my account reinstated and it was denied. I was n't asking for anything more than I already had. I always enjoyed the great customer service so I also opened a savings account. I will be closing all my accounts. After treating a long term member that has never had a late payment the entire time like this, has caused me to re-evaluate who I choose to do business with.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. Let me be unequivocally clear : I will not tolerate this unacceptable level of apathy. As a victim of identity theft, I have suffered immeasurable damage to my financial stability and emotional well-being. The consequences of your inaction are not confined to paperwork and reports ; they permeate every aspect of my life. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Mortgage

Ocwen reported information wrong to the credit agencies and caused me to be rejected for my refinance transaction. The account was paid in full in 2010 and they have not reported a XXXX balance or payment history to XXXX. The lender is treating the account like a foreclosure. XXXX has called Ocwen and I have called Ocwen more than XXXX times and they tell us they will e-mail us the payment history and proof XXXX balance and they never do. Now I am unable to refinance even though my credit scores are above XXXX. I am being rejected due to Ocwen reporting incorrect information to XXXX and they have negelected there resposibility to provide me the borrower the payment history or even proof XXXX balance. They outright lie every time. From XXXX XXXX until XXXX XXXX they have told me I would receive documentation by e-mail within XXXX business days. I am still waiting.