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

There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX XXXX ( Experian, XXXX, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.
Product: Credit reporting

I sent letters to Equifax about XXXX XXXX XXXX hard inquiries date of XXXX/XXXX/2015 and XXXX/XXXX/2015, which I did not authorize and I never received a response. Neither have the inquiries been removed from my credit report.
Product: Credit reporting

XXXX XXXXPhone Number : XXXXXXXXPhone Call Date : XXXXXX/XX/XXXXPhone Call Time : XXXX ESTAfter receiving the feedback from Transunion I reached out to XXXX to receive some verbal information/confirmation since Transunion only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red:1. What is the Account Name : XXXX XXXX2. What is the information from the debt collection agency? 
Name : XXXX Address : XXXX XXXX XXXX. 
XXXX, FL XXXX Business Phone Number : XXXX Professional License Number : I do not have XXXX What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XX/XX/XXXX. 

6. How long have you had this debt? This debt has been in our office since XX/XX/XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old XXXX on file ) then that means the credit agency also provided my phone number and social security number too. Transunion verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XX/XX/XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attached documents shows My correct XXXX account and that I am not currently in collections as my balance is a little over XXXX.
Product: Student loan

I'm composing this elaborate message solely out of my pit of frustration built up over the course of nearly 3 years. I completed and submitted a borrow defense application almost XXXX years back, and yet all I'm greeted with is a deafening silence. As per my knowledge, XXXX XXXX XXXX is included in the list of institutions approved to annul loans from borrowers ' credit on account of the dissemination of misleading information. 

However, the mystery remains - I'm yet to hear even a XXXX whisper about my application. And here 's what's truly ridiculous - my loans were initially sanctioned for a deferred payment plan that stretched up until the year XXXX. However, much against my convenience, my loans have been sold off to XXXX. XXXX is currently on a relentless pursuit to claim payments from me, which is absolutely uncalled for. 

To add fuel to the fire, despite my consistent efforts to reach out to XXXX just to XXXX well check the status of my borrow defense application, I'm continually met with a brick wall. My concerns and queries seem to go unheard, and I can not, for the life of me, receive a legitimate reply. 

To cut to the chase, I'm seriously XXXX off and intolerably frustrated. This has been a colossal mess to deal with and the lack of communication on your end does nothing to alleviate my concerns. It does the exact opposite, in fact. I hope that this message will promote a swift and appropriate response to my frustrating and stressful circumstances
Product: Checking or savings account

Someone somehow got into my phone using the SIM card, and sent two sums of money to someone named XXXX XXXX, one transaction was {$150.00} and one was {$170.00}. PNC Bank has refused to refund my money because I had also disputed a transaction back in XXXX for I believe two XXXX transactions. The first time I called after they declined my refund I was told it was because the transactions were over 60 days old, and the ones in XXXX were so okay thats fine, however the {$150.00} dispute was filed on XX/XX/2022 and transaction took place on on XX/XX/2022 and {$170.00} happened on XX/XX/2022 and was disputed on XX/XX/2022. So PNC initially tried to say they were 60 days old, I was placed on hold for 45 minutes and nobody ever came back to the phone, so I called back only to get the an explanation of because I caught the XXXX ones after I caught the XXXX and XXXX ones that they werent giving any of it back. I went back through my statements after I caught the two {$150.00} and {$170.00} because they prompted me to check. PNC bank has caused my account to go negative with this because they took back the {$320.00} provisional credit when they werent supposed to. In addition to that, when I disputed them the second time, they declined me again, however if I didnt receive any info within XXXX business days I was supposed to receive another provisional credit. Over XXXX business days went by with no credit. Also I was supposed to receive a call back from the dispute department and still havent, its been almost XXXX hours and they said Id be called in XXXX. This is unbelievable, Ive got other transactions that I need to dispute with them but I dont feel confident Ill recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( twice )XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The last two hard inquiries I do not recognize at all.
Product: Debt collection

ACCOUNT RECIVABLES PERFORMANCE ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH XXXX IT NOW APPEARS THROUGH THIS NEW COMPANY RECIEVABLES PERFORMANCE AND IS IDENTITY THEFT.
Product: Debt collection

National Credit System, located in XXXX, GA has repeatedly falsely claim and reported a debt for the amount of {$2700.00} on my credit report with all the major Credit Reporting Bureaus which has continued to impede on my ability to obtain any credit or attain any measurable jobs. Several attempts has been made approximately a year now to have this company validate the so called debt I owed them per Section 609 of the Fair Debt Collection Practices Act or delete it from my credit profile with deliberate  speed. But they have woefully ignored my humble requests for it's validation. 

National Credit System is hereby advised to delete that erroneous claim off my credit profile with immediate effect. It is causing it is causing me a serious financial crisis in my ability to move forward with my family. 


Sincerely! 


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

I have contacted Navy Federal Credit Union numerous times as they have account information on all 3 of my credit reports inaccurate. XXXX, XXXX, and XXXX  have different dates they say a payment was made I have asked for proof and I get nothing from them or the bureaus but the information is reported differently. I have sent an email to CEO of Navy Federal also and still no results or fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted a Freedom Mortgage credit reporting on five separate occasions regarding my request to withdraw a 30 day late for my XXXX mortgage payment. The first two times, by phone in early XXXX and then again on XX/XX/XXXX via the web portal messaging system, they did not respond. The XXXX, XXXX and XXXX time they responded. I contacted them by letter on XX/XX/XXXX, early XXXX and XX/XX/XXXX, but each time they denied my request. Freedom Mortgage credit reporting policy is that Payments received after the month in which they are due will be reported to the credit bureau accordingly. This policy ignores the month of XXXX where there are only 28 days and a payment received in the XXXX days of XXXX where XXXX full days have not elapsed should not be reported as 30 days late. To provide clarity and precision on the timeline, let me illustrate, the payment due on XX/XX/2023, at XXXX AM, should not be considered late until a full 30 days have elapsed, or on the start of the XXXX day, after XXXX hours have passed from the due hour. The payment was logged as received on XXXX PM on XX/XX/2023, when only XXXX hours had passed, falling short of the threshold for being 30 days late. 

Given the serious nature of credit reporting, every action should be taken for the utmost accuracy. I have tried to resolve this matter with Freedom Mortgage but need help. Their credit reporting practices for the month of XXXX are unfair.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, *Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CXXXX 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

I opened an account with Self Financial in XX/XX/year> and the account was paid and closed in XX/XX/year> and is still negitave on my credit report in the amount of {$520.00}
Product: Credit card

Discover Card Services falsely advertises, using the lure and encouragement of secure card offers for those with bad or challenged credit circumstances to apply - yet, they deny a secured application with dollar-for-dollar collateral despite their advertising on the website and, after multiple transfers to representatives and much time lost, no one can answer why? I feel their advertising and language is misleading and falsely representative ( contradicting ) to what they advertise and solicit, and they should be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION was contacted to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION was contacted vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, again to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. A copy of the letter sent to the credit reporting agency is attached. 

As of today, XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION has and continues to harm, damage, and injury to the ESTATE belonging to Consumers business affairs, by continuing to publish invalid address, phone numbes, employment history, and credit account ( s ) not used or owned by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Money was transferred without authorization and not reimbursed. I just want a refund.
Product: Credit reporting

This is really getting to be a problem. The dates are listed very clear and the police report was given along with other corroborating evidence to this bureau via fax. There are not even taking the time to investigate only reporting inaccuracies. I have been taking several hours of my day to call these banks ect. only to hear that they have not gotten some type of questionnaire that comes from XXXX usually. Even, there how can an account be verified by a questionnaire. This was verbatim from XXXX XXXX and XXXX legal team. Thus far upon me calling directly to these creditors I get results even before Equifax alleged attempt to reach out and verify its accuracies. Someone is lying and it has to be EQUIFAX because the proof is in black and white. I am attaching XXXX ( XXXX ) letters with regard to these inquiries while I await the others. So far XXXX XXXX and XXXX apologize and would like to delete but they are still waiting for Equifax to send them something and so is XXXX XXXX XXXX XXXX. They have NOTHING except my complaint. Now attached are XXXX letters that were sent via email and XXXX Mail stating that inquiries will be removed and they are dated before the XXXX XXXX credit file sent from Equifax saying they verified the information. These people should really stop hurting a persons chance to obtain credibility when they are not even viable themselves. It 's almost like they never even bothered. They just state that I need to contact the creditor directly and do their job, which I am forced to do anyway to receive any type of vindication. I see why they are number XXXX in the news for bad reporting yet they claim they will do their best to help. When this only proves they are doing NOTHING. Says so the creditors as well, because not all people are trained to know the answers so they rely on the help of the bureau to assist the consumer. I am a witness to this first hand now. Please do something about this as I do not have the time and money to keep wasting fighting these people to do what is right. I am a new mother just getting back into the work field and just ca n't give all my time to Equifax for them to get paid for bad reporting. It should not be on the consumer to do their job. Thank you.
Product: Credit card or prepaid card

I am writing to notify you that I disputed this alleged debt with CareCredit and I am submitting a complaint about one of the providers that signs customers up for CareCredit cards. 
This alleged debt is associated with a dental visit on XX/XX/2029 Before my visit I made sure that the provider accepted XXXXXXXX ( XXXX XXXX  ). During this visit, employees at the dentist office signed me up for CareCredit while I was sitting in the chair, by giving me an XXXX. They did not explain to me that this was an account with deferred interest, in which I would eventually have to pay the interest. They also did not give me notice of my treatment plan before signing me up for this account and didnt notify me that part of the treatment would not be covered by my XXXX. I understand that these practices violate California law. Specifically, Business and Professions Code Section 654.3. 
This is the kind of conduct that was the subject of CareCredit'sXXXX consent order with the federal Consumer Financial Protection Bureau . CareCredit was supposed to change their practices and properly train and monitor your providers to stop misleading consumers. However, these unfair and deceptive practices are continuing. I did not receive the service I was billed for I contacted CareCredit 's dispute resolution they did a rubber stamp of the offending fraudulent dentist 's narrative. This is absolute fraud not a misunderstanding I contacted Dispute Resolution 4 or 5 times each time they asked me for no information and totally relied on their assignee. 
Furthermore, I did not receive all of the care for which the dentist billed me. This is another reason that I dispute this alleged debt.