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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry.

This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related t
o the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to my complaint that I filed on XX/XX/ on an error with Lexus Nexis. Their response was that they tried to email me on XX/XX/XXXX to request additional information. I never received any communication from LexisNexis in the form of an email on that date. I also noticed that there is an error on the Bankruptcy record. The bankruptcy filing record number XXXX my name is spelled incorrect. They have XXXX XXXX. My name is Spelled XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax 's credit report : 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 Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Debt collection

Debt has been paid in settlement. Will not remove from my credit report after 9 years.
Product: Debt collection

My name is XXXX XXXX. On XX/XX/XXXX. I was given a letter by XXXX XXXX at the payroll dept. from work. The letter was to inform me of a garnishment judgment against me for the sum of {$10000.00}. Which {$8400.00} was awarded to XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. This debt is from XX/XX/XXXX to XX/XX/XXXX. I had been living in this country XXXX yrs. of my life. I have never in the past taken any type of credit whatsoever until now that I made a decision to apply for a car loan. I never apply for any type of credit cards. Not even when I was young. Please help me correct this problem I feel I have been a subject of identity theft. Thanks, and please help, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dispute Department : EQUIFAX LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX  Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am being harassed with phone calls every day, I asked them to mail me a statement but insist on harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support Experian 's reporting. However, the organization has failed to provide a copy of any supporting evidence that might substantiate its claims. Moreover, I have requested their method of verification and have not received evidence of compliance. This too is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Still, there is no viable documented evidence that bears my signature and confirmation the accounts are accurately reported. 

Given the belief, this organization is acting in bad faith, by not complying with the Fair Credit Reporting Act, I have filed a formal grievance with the following : XXXX XXXX XXXX, Attorney Generals Office, and Federal Trade Commission. 

Experian is reporting incorrect and missing information. For instance, these items have the following : a ) incorrect account numbers, b ) inaccurate dates of activity, c ) inaccurate date of last update and d )  includes a collection account with a limit. 

According to an FTC Opinion Letter : XXXX : XXXX ; In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with section 609 [ of the Fair Credit Reporting Act ] because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX XXXX XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 



Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court.

I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have identified significant discrepancies in the handling of this matter, which raise serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ), I am hereby instructing your organization to immediately cease and desist from all collection activities related to the aforementioned account. This includes, but is not limited to : Initiating or continuing phone calls to me regarding this matter. Sending written or electronic correspondence. Reporting or updating any information regarding this account to consumer reporting agencies. Failure to adhere to this demand constitutes a clear violation of federal law and may subject your organization to additional liability. 2. Debt Validation Request Under 15 U.S.C. 1692g ( b ), I am formally disputing this alleged debt and demanding full validation of its legitimacy. Validation must include, but is not limited to : A detailed, itemized accounting of the alleged balance, including principal, interest, and all fees assessed. Copies of any agreements, contracts, or other documentation that establish my legal obligation to pay this debt. Evidence that your organization has the legal authority to collect this debt, such as proof of assignment or ownership. Documentation of any payments made by me or third parties, including insurance providers. Until such time as this validation is provided, I expect all collection activities, including reporting to consumer credit bureaus, to cease immediately. 3. Pre-Arbitration Notice This letter also constitutes a Pre-Arbitration Notice in accordance with applicable law and contractual agreements. If this matter is not resolved to my satisfaction within 15 days of receipt of this letter, I intend to initiate arbitration. Please be advised that the costs associated with arbitration proceedings, including filing fees and daily administrative costs, are likely to exceed {$2000.00} per day, not including the legal fees your organization may incur. In addition, under most arbitration agreements, your organization will be required to bear the majority, if not all, of these costs. 4. Demands for Resolution To resolve this matter expeditiously and avoid further escalation, I demand the following : The immediate removal of this account from all consumer credit reporting agencies. Payment of {$5000.00} in damages for the emotional distress, XXXX, and reputational harm caused by your mishandling of this matter. A full cessation of all collection activities until this dispute is resolved and proper validation has been provided. Conclusion This matter requires your immediate attention. Failure to respond in a timely manner with the requested information and actions will leave me no alternative but to pursue all available remedies, including arbitration or legal action. Please direct all correspondence and documentation to my address listed above. Your compliance within the legally prescribed timeframe is both expected and required. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Capital one and XXXX XXXX and XXXX XXXX  I filed bankruptcy in 2021 and never applied for any type credit my score been the same when I filed XXXX yrs ago never moved after XXXX other people tell me my score should moved up by now. Please remove this negative and fraud account away from me. XXXX XXXX and XXXX. They also hard inquiry on my account I know nothing about.
Product: Credit reporting or other personal consumer reports

Despite my earlier correspondence, it appears that the issue has not yet been resolved. 
The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the accounts : DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

Penny Mac home loans has mismanaged my escrow account. I spoke with them over a week ago about my insurance being paid. I paid it myself since I had changed companies. They told me I would be reimbursed for the amount that they had escrowed insurance and would no longer charge me the monthly escrow for insurance. They did not do that and do not have the funds that they collected anymore. PennyMac claims that they have sent this to my insurance company, however XXXX  XXXX confirmed that they have not. I called PennyMac to be refunded for the money that I gave them and they will not refund it, and also will not stop collecting money from me for escrow even though it is unnecessary. I spoke with a woman named XXXX who told me her extension is XXXX however when I tried to call back to speak with her again about insurance saying they had not received the money from PennyMac, I was told that that is not enough information to find someone. I spoke with five different people at PennyMac none of them seem to know where my escrow money is and I'll have told me that they will not be refunding me anything. I also spoke to them about my escrow for taxes since they have the wrong amount for that. again, they have said they will not refund me for the extra money that they have collected from me. I would like to stop escrow with PennyMac so that I can pay the correct amount of my bills on my own, however PennyMac refuses to stop charging me for escrow and can not seem to tell me where my escrow money is.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.