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

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Unverified Information on My Consumer Report To Whom It May Concern, I am writing to formally dispute inaccurate and unverified information appearing on my consumer credit report maintained by Experian. As a consumer reporting agency, Experian is obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to ensure that all information included in a consumer report is accurate, complete, and verified.

The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) highlights systemic failures by Experian to comply with its legal obligations, including : 1. Failing to conduct proper reinvestigations of disputed information.

2. Not removing inaccurate, incomplete, or unverifiable information from consumer reports.

3. Reinserting previously deleted information without proper verification.

These failures have directly affected me as a consumer. By reporting false and inaccurate information on my credit report, Experian has caused me significant harm, including difficulty obtaining credit, unfavorable terms on credit offers, and damage to my financial reputation. These issues are a direct result of Experians noncompliance with its obligations under the FCRA.

In accordance with 15 U.S.C. 1681i ( a ), Experian is required to conduct a thorough and timely reinvestigation of disputed information to determine its accuracy. If the information can not be verified or is found to be inaccurate, Experian must promptly delete or correct it. Additionally, under 15 U.S.C. 1681e ( b ), Experian must maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

The disputed accounts on my report are inaccurate, unverifiable, or incomplete. I demand the immediate removal of any accounts or tradelines that can not be fully substantiated as accurate. Specifically, I request : 1. Verification of each disputed item, including the name of the furnisher and the method of verification.

2. Immediate deletion of all inaccurate or unverifiable information, as required by law.

3. A revised copy of my credit report reflecting these corrections.

Experians failure to comply with the FCRA has negatively impacted my ability to secure financial opportunities, and this matter must be addressed immediately. Failure to resolve this dispute adequately will leave me no choice but to escalate the issue to explore further legal remedies to protect my rights as a consumer.

Please respond to this dispute in writing within 30 days of receipt, as required by the FCRA. I have attached all necessary supporting documents, including a copy of my credit report with the disputed items highlighted.

Thank you for your immediate attention to this matter. I look forward to your prompt response Disputed Accounts XXXX, credence resource ma, XXXX XXXX, XXXX federal credit, bullcity financial XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the XXXX XXXX is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Since this is an alleged charge-off, I will be filing form 211 treasury forms to audit this account, as the consumers account. 
XXXX, as well as Transunion and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit by car drunk driver. XXXX bill not paid by XXXX. I found out when Equifax showed as collection a year later. I paid immediately and received letter from Collection Company that it was paid. I Called Equifax today. Letter not enough. Told me to contact collection agency. This charge should not have been a collection. Equifax only bureau to  report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, via Paypal I requested {$1000.00} be transferred from my XXXX XXXX XXXX  ending in XXXX to XXXX checking account ending in XXXX. 

When I noticed the funds gone from the credit card and not deposited in my checking account I saw the funds were sent to a " XXXX XXXX '' with email of XXXX WHICH IS NOT ME! 

Later that day XXXX at XXXXXXXX XXXX  via email, XXXX  replied to my dispute with " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use ''. 

I do not know the other " XXXX XXXX '' and I have never sent funds to this person.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and these hard Inquiries are fraudulent queries in my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized Credit Inquiries Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am formally disputing unauthorized inquiries appearing on my credit report that were not authorized by me. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are only permitted to access my credit report with my express consent or for permissible purposes. The inquiries listed below violate my rights, and I demand their immediate removal.

Disputed Unauthorized Inquiries Upon reviewing my credit report, I have found multiple inquiries that I did not authorize. These inquiries negatively impact my credit score and financial standing. As such, I demand that these inquiries be removed immediately in accordance with my rights under the FCRA.

Here are the inquiries that should be removed immediately. 

XXXX XXXX XX/XX/XXXX IR ( miscellaneous ) XX/XX/XXXX XXXXXX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXFCRA Violations 15 U.S.C. 1681b ( f ) Credit inquiries must be conducted for a permissible purpose. If a creditor or entity has accessed my report without my consent, they have violated federal law.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the investigation into my dispute finds that the inquiries are inaccurate, unverifiable, or unauthorized, they must be removed immediately.

15 U.S.C. 1681n and 1681o If an entity willfully or negligently violates the FCRA by falsely reporting unauthorized inquiries, they can be held liable for damages.

Requested Action I request the immediate removal of all unauthorized inquiries from my credit report. Additionally, I ask that the CFPB ensures credit reporting agencies conduct a proper investigation into these unauthorized inquiries and provide written confirmation that they have been removed.

Supporting Documents I have attached the following documents to support my dispute : A copy of my government-issued ID A recent credit report highlighting the unauthorized inquiries Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable or unauthorized information immediately.

I expect a written response confirming the resolution of this dispute. If further action is required, I will explore all legal avenues to protect my credit profile. You may contact me at XXXX or XXXX for further information. 

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

On XX/XX/XXXX comns authorized and used my card to pay even after I told them no. 
And then on XX/XX/XXXX asked me do I want a refund or leave the payment in and I said if I leave the payment in and keep it current.can you remove the 30 day late payment hurting my score. His exact words '' Absolutely! Credit reporting will be updated soon. The account is updating to current. Thank you for being the best part of Conn 's HomePlus and have a wonderful day! And then my reply was ok keep it current then. And on XX/XX/XXXX I asked when will it be removed. They then replied XXXX XXXX nothing we can offer you will " remove '' the account from your credit history, The payment you made to bring your account current did just that. It should be reflecting current at the moment. When they already agreed to it. They misled me twice while stealing my money I'm the process
Product: Credit reporting or other personal consumer reports

I have reached out to the company and I advised I did not authorize inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that I moved to this country on XX/XX/XXXX, and have always lived in Minnesota. I have never taken out a car loan even here in MN. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.
Product: Credit card or prepaid card

On a DISPUTED charge of {$51.00} on my Visa Signature Capital One credit card acct. ending # XXXX on statement for period XX/XX/19-XX/XX/19 I withheld payment of that disputed item of {$54.00}. Thereafter C.O.Charged a late fee of {$25.00} on statement for period XX/XX/19-XX/XX/19 and a second late fee of {$38.00} on statement for XX/XX/19-XX/XX/19 in violation of Credit Card Act of 2009, 15 U.S.C 1665d, sec.149.Moreover on XX/XX/19 I mailed C.O. cert.mail r/r/r ( received by C.O. on XX/XX/19 ) factually disputing the charge and requesting all verification as designated in 940 C.M.R. 7.08 ( 2 ), Code of Mass. Regs. To date no response except continue to bill, add interest and furnished disputed amounts to Credit Reporting Bureaus.Previous to said letter had tele.  conversation with C.O. Consumer Service rep. ( On hold for early 15 mins. ) in which rep. stated I was not responsible for disputed amount ; but, I had to call another dept. I said you should call as I have already spent too much time on phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.
Product: Mortgage

I have a mortgage with Chase, loan number ending in XXXX. I took out the loan with Chase when I first bought my apartment in XXXX XXXX in the year 2005. 
My apartment is unique in so far as my building at XXXX XXXX XXXX is a land leased building. The holder of the land lease is the XXXX XXXX XXXX XXXX, which has the lease in all buildings in the area known as XXXX XXXX XXXX. To clarify, my building does not own the land that the building is built on. And because of this the individual owners in the building do not pay taxes directly to the New York State Department of Finance, the DOF it is the XXXX XXXX XXXX XXXX that deals directly and pays the required taxes for the building.the XXXX XXXX XXXX XXXX collects the tax money from the managing agent for our building who bills the unit owners for the tax money monthly through the maintenance payments. 
It has come to my attention that Chase has opened an escrow account for my mortgage and has raised my monthly payments on my fixed rate mortgage. When I closed in my mortgage loan I specified not to escrow my taxes for obvious reasons and that is I dont pay taxes directly to the DOF , Department of Finance . I called Chase and they told me that the DOF Department of Finance contacted them and told me that my tax payments were coming up short and that they wanted the outstanding balance. I asked Chase to tell me who at the DOF told them about my taxes or how did they get notice from the DOF, Department of Finance concerning my taxes and the fact that I owe money on them, Chase could not tell me this information. This is clearly outrageous and I want my monthly mortgage payments to be what my loan agreement specifies. Chase apparently has no accountability to anyone.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, TransUnion. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I request a payoff quote mid XXXXXXXX XXXX XXXX and was provided a quote of {$220.00}. However when I looked online the payoff amount was different. When I contacted the lender the representative failed to initiate an investigation as to why there was a discrepancy and told me if I chooses to pay a different amount that was on me. I again request a payoff in XXXXXXXX XXXX XXXX and was provided a payoff amount of {$210.00}. I mailed in the money order and upon calling to verify my payment was received was informed the company would not honor the payoff quote provided due to an error in their system. Once the payoff payment was processed a representative found there was a discrepancy of {$210.00}. In speaking with a collections manger I requested an amortization schedule based on my payment history as I have been paying an addition amount of {$20.00} dollars for the past 2 years. What I received was a standard amortization schedule based on my loan contract not accounting for my actual payment history. I was told XXXX XXXX did not process the capability and had no way of proving the additional amount is owed. I also asked why it took 45 days to notice and correct the error and was not provided an explanation or verification.
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to or in whole part based on information found on my transunion credit report. After looking over my credit report I found a number of mistakes that violate the FCRA
Product: Credit reporting or other personal consumer reports

I seen unauthorized inquires on my report I sent them a dispute letter asking them to remove from my report because I didnt do this inquiry. The inquiry came from jpmcb card and it was done on XX/XX/year>. When I called today XX/XX/year> I was told they received my dispute on XX/XX/year> but they are not removing it from my report. I told them I didnt do this inquiry and need it removed. The rep said they cant do that. I told her Im not sure why she cant because I tried to contact the people who did the inquiry but Im not getting any responds from them either. This is unauthorized and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( XXXX, XXXX and TransUnion ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from XXXX, and confirmation # XXXX from TransUnion, XXXX never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). XXXX, XXXX and TransUnion failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, XXXX and TransUnion failed to Investigate both times according to federal law ( FCRA ). XXXX, XXXX and TransUnion haven't conducted personal interviews with my 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. XXXX, XXXX and TransUnion are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that XXXX, XXXX and TransUnion furnished to my consumer report fraudulently. I demand all 8 accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where MEADE & ASSOC is in compliance with OHIO LAW 1319.12 O.R.C. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.