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

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX. 

According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and XXXX has refused me that right. I made a call to XXXX XX/XX/XXXX and was denied my right by a rep name XXXX. 

Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. 

In XX/XX/XXXX a law was passed stating that medical bills and bankruptcys can not show on someones credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does whatsis right under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Accounts, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Equifax, XXXX major credit reporting agency, regarding their mishandling of my credit file, disputes, and failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I spoke with Equifax representatives, including a supervisor named XXXXXXXX XXXX XXXX # XXXX ) and a representative named XXXX ( ID # unknown ), to address discrepancies with my credit report. During these conversations, I was informed that the only dispute letter they had on file was from XX/XX/XXXX, despite my having sent monthly dispute letters since XX/XX/XXXX. This indicates a significant failure on Equifaxs part to receive and process my disputes in a timely and proper manner. 

Additionally, when I inquired about the frequent updates and changes to my disputed accounts, I was not given a satisfactory explanation. These accounts have been updated numerous times, with the most recent change occurring on XX/XX/XXXX, despite Equifaxs assertion that they have not received any of my dispute letters. 

On XX/XX/XXXX, I filed a dispute over the phone and requested that Equifax provide me with detailed information on how the information on my credit file was verified, as required under Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the FCRA. XXXX XXXX confirmed that Equifax does not provide this information to consumers, directly violating my rights under federal law.
Product: Debt collection

I filed disputes with Experian concerning medical debts still being reported after the recent rule change. Instead of removing them from my credit report as they are now required to by CFPB rule, they claimed that the reports were " accurate '' and updated them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX {$420.00} and XXXX {$1000.00} has violated my rights. 

XXXX5 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Payday loan

I am experiencing a hardship after being a victim of fraud in XX/XX/XXXX. In efforts to protect myself I made a police report in XX/XX/XXXX as soon as I found out about the fraud. I also contacted my creditors about the fraud committed against me and would no longer be able to pay my debts. I wrote them Hardship letters explaining my situation and asked please not to contact me. I am currently living off my Social Security benefits and it is the only source of income I have. Currently the phone calls have not stopped. I received anywhere from 15-20 calls a day and also they leave voicemails. I have explained to them over the phone I do not have money left over after my expenses are paid off. I am reaching out to you concerning the debt collectors practices. I am currently working with a financial counselor assisting me in getting my finances in order, however it is taking me some time to get back on my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account Tate Kirlin and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX XXXX XXXX.
Product: Checking or savings account

I have another charge on my chase account for XXXX, I have notified chase for over 1 week of fraud activity, they have not stopped any of the charges while they are pending authorizations and then they allow them to be paid, chase is not refunding the charges and I have provided them with details on who is doing the fraud, yet they still havent done anything. I want my refunds today and them to do their job and stop this person from using my card. 

XXXX XXXX XXXX XXXX XXXX. debit {XXXX
Product: Mortgage

I received a phone call today from a man at area code XXXX XXXX XXXX XXXX XXXX. He was calling to tell me that he works for a company ( 24 asset management ) that purchased a past debt of mine, a XXXX mortgage loan from 2001. He also stated that he had previously sent an offer settlement to me to clear this debt from almost XXXX years ago. Which I have never received. He was very disrespectful on the phone and is breaking the law of the state of Illinois. This debt is far past the legal right he has to call me per the statute of Limitations.
Product: Debt collection

Caine & Weiner continuously reports to all credit bureaus that I owe them XXXX dollars. Caine & Weiner has never provided me with any services or provided me with any accurate information such as an account no. that proves I owe them money. I have never done any business with this company to date. The derogatory marks has unfairly hurt my credit score. To resolve this please have Caine & Weiner to stop reporting this inaccurate information to credit bureaus. [ Caine & Weiner XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA., XXXX XXXX ]
Product: Checking or savings account

I had Wells Fargo back in 2016 and they charged me a bunch of overdraft fees that I know for a fact that I shouldnt been charged I been trying to reopen account and they wont let me because of this..
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns about Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that has brought significant shortcomings to light.Despite being a frequent user of Zelle, I have encountered discrepancies that I reported to both Zelle and my financial institution. However, my concerns were not thoroughly investigated, and I was informed that recovering lost funds or tracking transactions was not possible.The CFPBs findings underscore a troubling pattern in which Zelle has failed to safeguard consumers and allowed repeat offenders to exploit the platforms vulnerabilities. This lack of accountability leaves users like myself exposed to scams and erodes trust in the system.I urge Zelle to take immediate action to strengthen consumer protections and establish a more effective process for resolving disputes.
Product: Credit reporting or other personal consumer reports

**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to my previous communication regarding the derogatory marks on my credit report. Despite providing detailed references to relevant statutes, I have not seen any progress in having these marks removed. 

Its evident from the Fair Credit Reporting Act ( FCRA ) and other applicable regulations that my rights to privacy and accuracy of information are protected. XXXX, Experian, and the furnisher of information to credit agencies have not obtained my consent to furnish this information, nor have they informed me of my right to exercise my nondisclosure option. 

Moreover, the reported adverse items exceed the permissible timeframe outlined in the FCRA, and there are reasonable grounds to believe that the information provided is inaccurate, violating section 1681s2 ( A ) ( 1 ) of the U.S. Code. 

I urge you to escalate this matter and ensure that these derogatory marks are promptly removed from my credit report, in accordance with the law. I am willing to provide any additional documentation or information necessary to facilitate this process. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXXXXXX XXXX GA XXXX Identification number XXXX Item name XXXX XXXXXXXX XXXX  GA XXXX Identification number XXXX Account name XXXX  Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name THE XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, Experian and XXXX.
Product: Debt collection

company nameed " dynamic recovery solutions '' in XXXX, sc keeps calling and mailing saying to recover a debt that i dont owe. does not show on any of my credit reports. 

customer service number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Product: Vehicle loan or lease

I secured an auto loan from USAA in XX/XX/2018. I was told the interest rate on the loan will be 4.27 % based on my credit report. I agreed on the terms and the documents were sent over the phone for me to sign. I had less than five minutes to sign the electronic documents because the loan officer was wating in the phone. I have made payments on the loan over a year with no missed payments but the amount is not decreasing. I called the bank to inquire and I was told the vehicle 's age and the amount changed the intrest rate to 8.25 % and there is nothing they can do because I should have read the fine prints before signing the contract. 
I was not informed about this change until two days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.
Product: Mortgage

Re : XXXX  Loan # XXXX The HUD-1 Inspection fees, Lender ( I ) ( C ), need to be stipulated on the Repair Rider as a contractual agreement to be incurred by the Homeowner ; not the Lender. The Repair Rider ( I ) part ( C ) would have to be revised ; the one-time Repair Administration fee ( I ) ( B ) was the only fee/charge referenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 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 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions. 
15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years. 
15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, ending in [ Last Four Digits of Account Number : XXXX XXXX ]. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as Experian, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in Experian 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that Experian will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear Sir/Madam the reason for this compliant is because i have been a victim of Identity Theft and i have inform the original creditor as well as the collection agency about these accounts i have send them Police report FTC Identity Theft Affidavit proof of my address and identity and they have refuse to cooperate with me and they continue to report these account on my credit file. I have asked for proof that these accounts belong to me, but they keep sending nothing more then bill. I also contacted the CRA and they keep saying that these accounts where verified but when i request any proof they can't produce anything that show that they belong to me. I have done everything i could possibly do to protect my good name and have been unsuccessful. Please help. 
XX/XX/2018 Letter send by the original Creditor XXXX and XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times since XXXX XXXX, XXXX because I am unable to access my credit report online. Since the database break in I 've also not been able to access my report through third party monitoring services. Each time Equifax claims they have no problems on their end and that I and the third party monitoring services are the problem. I had this same problem in XXXX and had to have you all contact them to resolve the matter. The issue is present again and as they did in XXXX, they are giving me the runaround. I need to apply to refinance my mortgage shortly. This is a huge impediment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I began working with Quicken Loans to secure a mortgage for purchase in XXXX. The week prior to closing on XX/XX/XXXX I received an email that my credit score dropped and I needed to speak to another representative. I was presented with an updated loan estimate and informed that there would be a delay in closing. Weekly there were updates on the house and we were " waiting '' for my score to rebound as a new item was placed on my record which dropped my score. 

During this time my credit was pulled twice on XX/XX/XXXX and XXXX for no reason as it was already pulled on XX/XX/XXXX and the new rescore would not be available until later in XXXX. I was told that they could rescore the credit with additional information that I sent in-but that was not true. 

I called the company to see if they would remove these hard inquires only to hear that I " must have '' known this is what would happen for a rescore and when my case was transferred to another agent. This practice is unfair especially since I was approved with them and then they gave me nothing but the run around a week from closing.They were not transparent in their handling of this case-3 credit pulls in 30 days is absurd.