23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Note For CFPB rep : Although this complaint is the same as a prior complaint, I am including new information for Experian. Due to the fact that Experian is not required to respond to a Disputed CFPB case and the dispute does not allow for the upload of additional information I ask that you please process this as a new CFPB complaint. Thank You. 

For Experian : On XXXX/XXXX/2015 I submitted a CFPB complaint with Experian, hoping it would lead to an " Executive Investigation '' rather than the typical investigation submitted through their regular channel as it is highly ineffective. My hope when submitting this " Executive Complaint '' was that I would be connected with a direct experian case agent who would actually do their homework, and call the creditor in order to verify the claim that I made was accurate and correct my information as required by the FCRA. Unfortunately this was too much to ask for from experian as experian did the exact same thing they did when I submitted a complaint through the regular channel, absolutely nothing. In fact it was worse than nothing. Instead of verifying my claim with the creditor, they instead chose to take time out of their day to respond to my complaint by accusing me of making up false data and submitting documentation from " Some Law Firm '' as they put it in their response. If they would have called either " XXXX '' at ( XXXX ) XXXX or " XXXX XXXX XXXX '' at ( XXXX ) XXXX They would have seen that it was not a made up document, but a verifiable legal document issued by the attorney representing the creditor. Since picking up the phone is apparently too much work for experian, I took the liberty of doing their homework for them. I have attached a document written by XXXX. XXXX XXXX, Director of the Student Loan Program for the New Jersey XXXX ( the Creditor ) stating that the loan has been paid off in full. I have also attached a previous document from XXXX which states the specific reason the payoff amount is higher than the amount listed with experian which is the reason i 'm assuming is the direct cause of experian taking the stance that the attorney payoff letter is not a " valid '' document. ( experian 's credit record does not account for the attorney fees. ) If experian wishes to verify the information for themself. They can contact Ms.Gervasio at XXXX or contact XXXX at ( XXXX ) XXXX ( which is the number listed on XXXX 's webite ) and ask to be transferred to XXXX XXXX to verify the information I am reporting is correct. 
I just checked my credit report with Experian last week, and they are again incorrectly reporting that I paid {$0.00} for the month of XXXX 2015. 
I have the documentation for a small claims lawsuit filled out for the amount of {$1000.00} in full at this point in time. If experian chooses to respond with anything other than " We have contacted XXXX and have corrected the information accordingly '' I will be sending out the lawsuit and will gladly collect the {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.
Product: Mortgage

I am entitled to Forbearance under the CARES act. The attorney, XXXX XXXX at XXXX XXXX  XXXX submitted for a 12 month delay in foreclosure procedures on XX/XX/2020 to Carrington Mortgage Services. 
I have a copy of the letter I signed for submittal. 
However, XXXX XXXX XXXX, the attorney representing Carrington Mortgage in Hawaii, filed a motion for foreclosure and it stated that I had not applied for forbearance to the court. 

Unfortunately, my former attorney withdrew from my case after more than 2 years just before the trial. In addition he had not followed through with letter we had submitted for Forbearance to Carrington Mortgage. 
I filed a motion to let the judge know that the pretrial statement regarding my application for Forbearance was false. 
The judge did not respond to my motion for continuance to obtain new representation. 
The judge did not respond to the letter of Forbearance I submitted as evidence. 
She ruled for plaintiff. 
Everyone involved ignored my rights and offered no explanation. 
I want XXXX XXXX XXXX, XXXX XXXX  XXXX, Carrington Mortgage Services, and the judge to follow the law, not just the wealthy attorneys.
Product: Credit reporting or other personal consumer reports

I've Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed being that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 6115 a of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Debt collection

On XX/XX/XXXX I sent a letter to National Credit System ( Account # : XXXX ), disputing the debt as they have been reporting this item on my credit, however this account was unauthorized and is a result of identity theft. 

They received the letter on XX/XX/XXXX. I concluded their receipt via USPS certified mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX ). It is now XX/XX/XXXX, 53 days since they have received the dispute letter and I have yet to receive a response from this company. 

This is an unfair practice as they have ignored my direct communication with them. They are reporting an item that I did n't authorize on my credit and this is preventing me from moving forward with credit purchases. 

Because of the nature of this item, I requested some type of proof of the original business transaction that binds me to this debt. This is well within my rights according to the Fair Credit Reporting Act. I have n't received anything, and the item is still reporting to me credit. 

Please hold this company accountable immediately.
Product: Credit reporting or other personal consumer reports

I see credit inquiries I dont recognize. Please remove these inquiries from my credit report. It is unlawful to keep inquiries on my report that I didnt do. These are the inquiries I do not recognize. I believe these are an error or fraud. 
XXXX XXXX  XXXX XXXX XXXX/ downtown branch XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing a Collection from XXXX XXXX XXXX, on my XXXX and XXXX and XXXX account, which was sold to XXXX XXXX XXXXXX/XX/year> AND THE BUREAUS XXXXXXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and there were accounts open under my name, I have submitted identity theft report and personal letter to Experian but its been over 2 months and they have not done any useful investigation about it.
Product: Credit card

The credit card was created by a thief as the results of the XXXX data breach. Apple would not hear of it and took all but a day to conclude their investigation in my disfavor.
Product: Credit reporting or other personal consumer reports

XXXX continues to report this account inaccurately and all but said they would not change it. Not only did they charge the account off but sold fraudulent information to a third party that they am have no authority to do so. The company is not listed with XXXX as someone that is sort of the business and alleging I owe a debt they know I do not is illegal. The security is being used on the primary and secondary market which makes it gain interest monthly and a simple contract is not means for repayment this is federal law. XXXX followed up with their policy and procedures but they do not override federal law specifically securities laws so either XXXXXXXX balance this account the way it should be or I will report this company for securities fraud under the whistleblower program through the SEC which govern publicly traded companies. I have you an investment as an investor I demand you pay me or release from this allege debt.
Product: Credit card or prepaid card

I had a JC Penny credit card account # XXXX since 2020. JC Penny told me last year that the card was closed by the company. 

I believe that I had paid my account the minimum payments required. I would like the company to explain to me what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX/Equifax/XXXX  the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX TX XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX  XXXX Balance : {$180.00}, XXXX XXXX Balance : {$10000.00}, XXXX  XXXX XXXX Balance : {$390.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} Inaccurate Name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card or prepaid card

Dear CFPB Professional! 

I have applied for and on XX/XX/2021 I was successfully approved for a CHASE Freedom XXXX XXXX XXXX What made me go with this card is the specific promotion which states the following ( I have screenshots saved for this purpose so I am quoting ) : " Earn 5 % cashback on grocery store purchases up to $ XXXX spent in the first year. '' Fast forward I was denied this benefit without notification or explanation. I contacted the bank via secured messages on XXXX and after 10 days, on XXXX I was given an answer that I am simply not getting it. There was no explanation offered whatsoever. After that, I called the bank and spoke to the account XXXX named XXXX. He refused to tell me his ID number or identify himself in any way but his name. He told me that different customers get different benefits. I asked him if this situation reminds him of the bait-and-switch tactic used by used cars salesmen and he just agreed. He took my complaint and then admitted that it goes nowhere and no resolution will be offered. He told me that this situation is final and the bank refuses to do anything about it. Period. 

I find this situation outrageous and ask for you to step in and help me navigate this situation. This is a false advertisement, a bait-and-switch tactic that is completely illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my own credit report last year of XX/XX/XXXX and on that same month, I have disputed Items that has been almost 10 years past the 7 years due time for deletion. The collection agencies has continued to keep updating this very old debts just to reflect that there was a new activities. When I disputed the 3 major credit reporting agencies, creditor and collection agencies, I requested them to supply me a copy of all records of why I owed them because I do not have any recollections due to the time being so Old accounts and they can not provide me with anything, instead, they just keep updating the negative information with CRA for over 10 years now. Under FCRA 623 ( A ) ( 5 ) ( A ) - If you are a debt collector furnishing information to CRA about the accounts of a creditor, YOU MUST REPORT THE DATE OF DELINQUENCY GIVEN TO YOU BY THE CREDITOR, This dates of delinquency, determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven ( 7 ) years from the debt of delinquency. In my case, XXXXXXXX XXXX and XXXX XXXX  XXXX has been reported me for over 7 years and I believed it's close to 10 years now. 

1. XXXXXXXX XXXX - Opened Date - XX/XX/XXXX - Acct. Bal. {$550.00} / Charge Off - I have requested to send me any information regarding of my signed agreement with my signatures, documentations of all charges with my signatures, they can not provide me to support their inaccurate information and I believed that this is over 10 years now from the delinquency date that XXXX card has not reported to CRA and that has to be deleted off my credit report.under FCRA 623 ( A ) ( 5 ) ( A ) 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Collection Charged OFF / Closed / Account balance is {$1800.00} / XXXX XXXX XXXX did not report the delinquency date but I truly believe that this is over 10 years and XXXX XXXXXXXX XXXX continues to keep updating on this very old account that has been past due of the 7 years Under FCRA 623 ( A ) ( 5 ) ( A ) 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Acct. Bal. {$200.00} - I have disputed this account and requesting CRA to provide me all the records of any agreements that I have signed with the credit grantor and any charges that I have approved but XXXX XXXX XXXX can not provide me with anything and they they continue to report negative information to ruin my credit. Any inaccurate information must be deleted per FCRA - you must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) 4. XXXX XXXX XXXX - Date opened XX/XX/XXXX - Account balance {$0.00} - Charged OFF - I have disputed this item of why payment status showing as Charged OFF and this negative reports to my credit is affecting my ability to buy a house. If XXXX XXXX XXXX can not provide me with the acceptable explanation or does not have the accurate information, Please delete this negative information off my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/13 the following parties ran a hard credit report without my consent. I do not have accounts or have ever filed inquires with these companies. 

XXXX ( Finance ) XXXX  XXXX ( Bank ) These parties ran a regular credit check. I do not have accounts with any of these companies. 
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 I would like to dispute these credit inquiries as I did not file them. Ive attached the screenshots from my TransUnion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021 my credit file has not been updated with new creditor information. I have reached out to my credit card companies as well as my bank for my car loan. Each have said that they are reporting fresh information each month to the XXXX major credit bureaus. XXXX and XXXX have updated information except for Equifax. I have reached out to this company more than once to try and get this resolved, but nothing has happened. I have attached screenshots of my credit file with Equifax so you can see what I am seeing. It has been MONTHS since anything has changed to my credit file. Please help with this situation. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically cashapp failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion through mail on XX/XX/XXXX, in reference to accounts with XXXX ( 6 ) for inaccurate info being reported and received from them verified / updated dated XX/XX/XXXX. I received in the mail on XX/XX/XXXX a response from them. In the letter I requested how their verification took place for these accounts. What physical evidence do they have from which they are verifying from? I received a report informing the info was updated. I did not receive the info requested. Ive included my ID and Social.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX XXXX CO XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
XXXX. Debt Validation : o the name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
XXXX. IRS Form XXXX : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report.

Confirm in writing that this matter has been fully resolved.

Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXXXXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. 

# # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA.

# # # Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law. Failure to address this issue may result in further action to enforce my rights under the FCRA.