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

Re : Formal Complaint Against Experian for Repeated Stall Tactics in Response to Credit Report Dispute To whom it may concern, I am filing this formal complaint against Experian due to their repeated stall tactics and apparent unwillingness to address a legitimate dispute I submitted regarding inaccuracies on my credit report. Experians actions have created unnecessary stress and hardship, as they have consistently delayed investigating my dispute despite multiple submissions that follow all required protocols. 

Background : On XX/XX/year>, I mailed a dispute to Experian to address specific inaccuracies on my credit report. To ensure it was properly received and processed, I sent the dispute via certified mail and included : A detailed explanation of the disputed information A copy of my identification Proof of my current address According to the USPS tracking number XXXX, Experian received this dispute package on XX/XX/year>, at XXXXXXXX XXXX in XXXX, TX. Despite this, I received a stall letter from Experian suggesting that my dispute may not have been initiated directly by me or may lack the necessary authorization. This is simply untrue, as I personally submitted the dispute, provided proof of identity, and took additional steps to confirm receipt. 

Pattern of Stall Tactics : This is not the first time I have encountered such tactics from Experian. Every time I submit a disputeeven with certified mail and proof of identityExperians response has been to question the legitimacy of my submission rather than address the issues I have raised. It appears Experian is deliberately avoiding its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a fair and timely investigation, as is required for any consumer dispute. 

Requested Resolution : I am requesting that the CFPB investigate Experians repeated use of stall tactics in response to valid consumer disputes. Experian 's actions directly hinder my right to an accurate credit report and violate the spirit of the FCRA, which is designed to protect consumers from such practices. 
Enclosed with this complaint, I have included : A copy of my original dispute letter A copy of my identification and proof of address Proof of delivery confirmation from USPS, verifying that Experian received my dispute package on XX/XX/year> Final Request : Please assist in ensuring Experian is held accountable for their failure to properly address my dispute. I expect Experian to cease their delay tactics and comply with FCRA-mandated procedures for reinvestigating disputed items in a timely manner. Experian 's disregard for my rights has caused undue stress, and I believe this matter deserves immediate attention from the CFPB. 
Thank you for your assistance in this matter. I look forward to your guidance and support in holding Experian accountable for their repeated failures. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS XXXX ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. I am writing to seek your assistance regarding a troubling issue with my credit report. 

Recently, I discovered that an account from XXXX XXXX XXXXXXXX, which I had previously disputed as fraudulent, has been reinserted into my credit report by XXXX, XXXX, and Equifax. This is despite the fact that I had provided evidence of the fraudulent nature of the account, including a police report and a report filed with the Federal Trade Commission ( FTC ), leading to its initial removal. 
I am deeply concerned about the implications of this reinsertion on my creditworthiness and financial well-being. It is distressing to see this fraudulent account resurface without any notification or explanation, especially after I had diligently followed the proper procedures to dispute and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 I received notification from XXXX  that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did XXXX  not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing XXXX  with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an XXXX  representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on XXXX  to remedy the situation. Also, why isn't XXXX  being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both XXXX and the original creditor ( US Dept of Edu/Nelnet ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by ACCOUNT XXXX XXXX, regarding an alleged debt to XXXX ALARM SYSTEMS. The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX ALARM SYSTEMS Date Assigned : XX/XX/XXXX Agency : XXXX XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account. 
I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim. 
Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have several collections placed on my from Online Information Services. I have disputed these accounts several times. I received billing statements with just my name and an amount. This is not proper validation according to the FDCRA. 

The collections are not mine and I am unable to contact the original creditor because the hospital was bought out and renamed. I keep getting told to dispute with the credit bureaus. Well I spoke with an attorney and was advised to start here first before filing suit. This has already taken up too much of my time for accounts that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Secured Credit Card bank name : XXXX XXXX  XXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY TRANSUNION CREDIT REPORT BY XXXX XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY TRANSUNION CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO TRANSUNION BY XXXX XXXX  AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO TRANSUNION, THEY'RE ALSO REPORTING IT TO XXXX AND XXXX HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX  has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very XXXX off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX app reviews, going to make a complaint to XXXX  and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. 


WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Product: Prepaid card

Providers sent me a card in the mail. They suspended the my account before I had a chance to use the card because of suspicious account behavior... how never used the card. I wished to cancel the card and they wanted information about that to
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I got notifications from XXXX and XXXX that my score went up, XXXX raised my score XXXX points and is currently XXXX, XXXX raised my score and it is currently XXXX, Transunion dropped my score XXXX points and is XXXX. This has happened before with both XXXX and Transunion but I called and they fixed it. This time however, Transunion said that there is never a mistake with the score and would not even try to investigate or assist with why it happened or what went wrong. I realize that there will be differences in scores from time to time but it is always within a few points either way. not XXXX to XXXX points difference. I don't know what causes these mistakes but like I said it has happened before and they fixed it with a phone call, so I'm not sure what's going on but the disparity between scores is drastic and I want them to review it and fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account
Product: Credit card

I paid my XXXX XXXX XXXX XXXX bill on XX/XX/year> but they are not able to " locate '' my payment. I paid the bill using my Bank ( XXXX ) online bill pay. I have submitted the payment information to XXXX XXXX XXXX XXXX and they sent me a letter saying " We received your payment and it will appear on your next statement ''. 

However they have not credited my account and continue to charge me " late fees ''. I have called XXXX XXXX XXXX XXXX several times to get the issue resolved, but I am told that they still do not show payment " on their end ''. When I explain that I have a letter from them saying that they received the payment, they say they have no record of the payment being made. 

I have tried in vain to have this issue rectified, but there is an obvious, glaring issue with this credit card company and their ability to track payments.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX, 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. 


( XXXX XXXXXXXX, XXXX ) 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: Debt collection

Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days
Product: Debt collection

This is a complaint regarding debt to XXXX for Internet services. After I already made payment plans with XXXX itself, I received a collection letter from Sunrise Credit Service , Inc. 

The amount is false, for, in my deal with XXXX, it would be reduced after returning the equipment.
Product: Credit reporting or other personal consumer reports

I do not recall applying for credit with these companies, as a result I would like them removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global lending services XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation o the following late payment is inaccurate. Please investigate and verify that all data for this account is reportin accurately including every notation date and balance whether reported or not. 
Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 
I am also requesting the description of the procedure used to determine the accuracgy and completeness of the information. I have read that this must be provided withing 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed withing 30 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised not long ago. I had to put credit freezes and fraud alerts on my accounts and information. Then I had to change phone numbers. I recently discovered my new phone number was compromised and was trying to update my Equifax account but the account was still tied to the old phone number and the email was not working for some unknown reason. In the past when the password doesnt work and the email is stubborn ( an error that occurred surprisingly often ) I would contact the company verify my identity and then they would send me the email to reset the password. But instead of this after I explain the entire situation and literally give them my entire credit history. Including the exact date I filed for my bankruptcy with the court. I also sent them a photo of myself and a copy of my ID front and back per the link I was sent and still I am told I failed the authorization process and they cant grant me access to my account. Because the information I provided does not match the information they have on my credit report. ( Keep in mind I am telling them my identity is compromised and there is a good chance that an unauthorized person has access to my phone number and address ) They dont ask me for security questions that would weed out a criminal and I provided literally all the identification they needed and more. Photo. Photo ID. Social security number, address, old phone that was linked to the account, credit history including dates, current loans. Address, birthday. Because of the actions that they took my account was kept in danger of being in the hands of criminals. They did nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to TransUnion, XXXX and XXXX. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I contacted DeptOfEd/NelNet ( Nelnet directly ) and asked them to correct information reporting on XXXX report . Report states I was late in XX/XX/XXXX. However, Nelnet has not been the account holder in XXXX. How can they report a single late payment for XX/XX/XXXX? 

Additionally - government mandates during XXXX prevented ANY late payments from reporting between XXXX for eligible student loans. My loans were eligible. 

Account was closed due to transfer. Balance is at {$0.00}
Product: Debt collection

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX XXXX. 

I lost my purse and luggage at the airport. My purse contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the purse, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft. 

I am taking steps to protect my identity, such making this complaint and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 
Thank you for your attention to this matter.