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

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. 

ACCOUNT NAME - XXXX XXXX XXXX XXXX # XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX  XXXX  ACCOUNT # XXXX ACCOUNT NAME - XXXX  XXXX XXXX  XXXX  ACCOUNT # XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! 

I DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!
Product: Credit reporting or other personal consumer reports

My account was charged off with a 0 balanced and closed out. Another company bought my debt and now they say I owe them for the debt. I do not have an account or a contract with this company. I have asked for verification of debt as well as validation of debt. I have asked for the original contract that has my signature and their companys name on it. Which they do not have because I never signed a contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a collection account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau Consumer Financial Protection Bureau, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 




Subject : Complaint Against Experian for Inaccurate Reporting and Lack of Response Dear CFPB, I am writing to formally lodge a complaint against Experian regarding serious issues I have encountered with their credit reporting practices. I believe these issues warrant your attention and potential legal action against Experian for violations of the Fair Credit Reporting Act ( FCRA ). 

I submitted a credit dispute to Experian concerning inaccuracies in my credit report, specifically related to my rental account, which I consistently pay on time. Unfortunately, I never received a response to my dispute. Experian not only failed to report accurate information but also closed my account inaccurately, which has negatively impacted my credit standing. 

Your agency has previously taken action against major credit bureaus for similar violations, including failure to respond to consumer disputes within the required 30-day period. Experian 's handling of my dispute appears to reflect a pattern of neglect in ensuring accurate reporting, utilizing faulty intake procedures, and inadequately communicating with the original furnisher of the information. 

Additionally, I have experienced distressing outcomes due to the inaccurate information on my consumer report, which has hindered my ability to obtain credit and secure housing. Despite providing documentation confirming my current rental status, Experian continues to display misleading information, including the erroneous closure of my account. 

I urge the CFPB Office of Iowa to take action against Experian for these practices, as they not only violate consumer rights but also create significant challenges for individuals trying to manage their financial standing responsibly. 

Thank you for your attention to this matter. I look forward to hearing from you regarding the next steps. 

Sincerely, CFPB IT HAS BEEN PAST 30 DAYS
Product: Credit reporting or other personal consumer reports

When we closed this loan, we set up automatic payment withdrawals from Freedom Mortgage. The didnt pull the XXXX payment and they are showing late payments for the past XXXX months, but the account was only delinquent for the month of XXXX. Want they want now is a late fee and a couple of other charges they keep taking on. 
We have a 2.5 % interest rate on this XXXX  lone and Im not going to let this bunch to XXXX us out of this interest rate. Im not paying any late fees for their mistake. I have paid the missing payment over two months and now my bank sends this bunch their monthly funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

Name of Accounts : XXXX, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is my mortgage account with XXXX XXXX XXXX or XXXX XXXX XXXX. My credit report is showing an open date of XX/XX/XXXX when it should show XX/XX/XXXX Highest Balance is showing XXXX when it should show XXXX. I am requesting the updated information be made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 90 Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Account Status Transferred Account Details Account Type FHA real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX  Payment Frequency Monthly ( every month ) On Time Payments 26 % Worst Pay Status Late 120 Days Lender Info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Remarks : I want this removed they were not my mortgage holders I am currently with XXXX XXXX. I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan
Product: Credit reporting or other personal consumer reports

Randomly checked credit report due to my son being in a personal finance class and suggesting I do my free yearly credit report. When I checked my report I noticed credit inquiries that I was not involved in and had no idea about. After the report I had also started receiving letters in the mail about loans and credit card applications that I had not requested. The companies I got mail from or appeared in my credit report without my knowledge include : XXXX, XXXX XXXX, TransUnion ( before I did my credit report ), XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  stated that my credit report with Experian and XXXX. My credit report is not locked with either company. I see the inquiry is listed on Experian and XXXX. I contacted XXXX XXXX and they argued me down that my credit reports were locked. I looked on Experian and XXXX and I see the credit inquiry on both. I called XXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for Experian and XXXX remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately XXXX I have attached a copy of the letter for proof.
Product: Mortgage

It 's the worse experience I 've ever had with a lender. I 've done at least XXXX real estate transactions and have never been treated so shabbily. They took forever to assign my loan, would not answer emails after I submitted the application and they took my {$500.00} to do an appraisal. When I tried to lodge a complaint with a manager " XXXX '' would n't give his last name and basically told me to suck it up. I completed my paperwork within XXXX days because I wanted the process to happen on time and by their deadline. It did n't matter. I guess I should 've paid more attention when my loan processor kept saying even if it does n't close on time you wo n't be liable for fees. I believe they knew they were overwhelmed with business but were deceptive in failing to inform me that the process would take longer than the XXXX days stipulated in the loan. I would never choose this company again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

On XX/XX/XXXX  I paid my credit card balance in full via XXXX XXXX  on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX  I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. 

thank you XXXX
Product: Credit card

i was in the XXXX  with a XXXX XXXX i was given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  i can not handle the stress from this debt
Product: Debt collection

I have recently become the victim of identity theft. I have checked my CRAs and found these accounts and disputed them as fraud. I was told by the CRAs that these companies verified these accounts as accurate. I submitted all the appropriate documentation that was requested by the CRAs. These accounts are the result of identity theft and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings & Salutations, Have a issue with bank of America credit card. The account was sent to collections & I sent out a debt validation letter on XX/XX/2014 & received a response on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX. 

Your recent communication regarding the above debat was received. The account has been closed in our office, & we are no longer servicing this account. Due to being unable to validate the debt. 

Bank of America won't take the {$6200.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... 

I called Bank of America for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. 

As a result, the statue of limitations is 6 years in Washington state & have to come off my report. Having the same issue with XXXX card regarding the the same result mentioned above. 

Sincerely, UCC 1-308 Without Prejudice XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion continues to report inaccurate information on my report. I have sent in information for them to verify the debt that is reporting and they continue to send me generic responses.
Product: Debt collection

I recently had an amount added to my credit report from a company called XXXX. They claim it was from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX. They are trying to get me to pay {$1100.00} and say the account was opened XX/XX/2021. I have filed a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued by Encore Capital Group in XXXX in the state of Texas for an old debt. I challenged the validity of the affidavits filed during the suit, and even contacted the State of Minnesota to start an investigation in the notary habits of MCM ( based in Minnesota ). The XXXX in my debt case with Encore ruled against me and said that my objections were noted. In XXXX the CPFB filed a Consent order against Encore. Paragraph 146 of the Consent Order states : For the Dispute Affidavit LAwsuit Debt that has yet to be collected, expected to total more than {>= $1,000,000}, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

To this date Encore has still not done any of this regarding my case with them. When Contacting Encore they have said that they are not aware of the Consent Order and that the Debt is valid. They took my written complaint to them as a Debt Validation Request, and did not look into the account. If they had they would have seen that my account and the above mentioned court case occurred within the Rlevant Time Period of the Consent order. 

I am asking that Encore vacate the Judgment against me, and remove all accounts from my Credit Reports. And that they no longer violate the Consent Order.
Product: Credit reporting or other personal consumer reports

Complaint : I previously submitted a complaint regarding the non-reporting of my Apple Card account by Goldman Sachs to the credit bureaus ( XXXX, XXXX, and XXXX ). My name is XXXX XXXX XXXX, and my email is XXXX. 

On XX/XX/year>, I contacted Apple Card support regarding the incorrect reporting of my account. The investigation determined that my Apple Card account had not been reported correctly, and I was assured that this would be rectified. On XX/XX/year>, I was informed that the necessary updates were sent to the credit bureaus, with a timeframe of 30 days for the changes to reflect on my credit report. Despite this, as of today, the issue remains unresolved. I need to know if this notice was sent already and what was sent. 

Additionally, I recently spoke with a supervisor, XXXX XXXX, who evaded my questions regarding this issue and abruptly closed the chat without providing a resolution. I am seeking your assistance in resolving this matter as soon as possible, as it is negatively affecting my credit profile and financial standing. 

Account Information : Name : XXXX XXXX XXXX Email : XXXX Financial Institution : Goldman Sachs Bank USA ( Apple Card ) Complaint Reference : Ongoing reporting issue since XX/XX/year>. 
I kindly request that the CFPB intervene and ensure that Goldman Sachs fulfills their obligation to accurately report my Apple Card account to the credit bureaus. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX To whom it may concern I received a copy of my credit for it with the intentions of trying to improve my credit and take on my responsibilities and noticed a few accounts and I dont want and would also like a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 % sure if they are. I also read something called the fair credit reporting act where it said by law. I had the right to challenge anything I am not sure is accurate. Some of the people Reporting things on me I have never heard of which made me write to you all. 

Are you familiar with something called 15 USC 1681 ( I ) ( a ) I heard that if you cant provide proof these Account must be deleted. Well, I want these accounts deleted if they are not 100 % percent right and correct. So could you please check on these and get back to me? I saw on a credit site read where a lawyer said you have 30 days to complete this investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account name XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 


Account XXXX  XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX  XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX  XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

Account XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct, if not please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigate outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter