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

I disputed the account with XXXXXXXX XXXX XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, I have not received a response to any of these disputes. Each dispute was opened and closed without any disclosure or resolution. I requested verification and accuracy of reporting under FCRA XXXXection 609 but did not receive any satisfactory response. 

I also disputed these issues with Experian, who confirmed receipt of my disputes but could not explain why they were closed or what the policy is for disputes that extend beyond 30 days. Their only advice was to submit additional disputes. To date, I have submitted three disputes but have not received any correspondence regarding these matters. 

Upon reviewing my credit report, I identified violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 and 15 U.S.C. 1681b. According to 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific circumstances, including in accordance with the written instructions of the consumer. Since I have not provided written instructions to include these accounts on my report, their presence constitutes a violation. 

Additionally, 15 U.S.C. 1681 emphasizes the importance of accuracy and fairness in credit reporting. It states that accurate credit reports are essential to the efficiency of the banking system and that consumer reporting agencies must handle consumer information with fairness, impartiality, and respect for privacy. The law mandates that consumer reporting agencies adopt reasonable procedures to ensure the accuracy and proper utilization of consumer information. 

I sent a letter requesting verification of the accuracy of the information on my credit report but did not receive a response. I sent a follow-up letter, and still, there was no reply. Under FCRA Section 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. I have a list of inaccurate accounts that violate my privacy, and this non-compliance with the FCRA constitutes a legal violation.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to bring to your attention a concerning issue I recently discovered on my credit report. On XX/XX/XXXX, I obtained a copy of my credit report from XXXX and XXXX. I was alarmed to find XXXX charged off accounts listed on my report. 
FLAGSHIP CREDIT ACCEPTANCE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed a dispute with XXXX and XXXX on this matter more than 60 days ago and nothing has been done on this dispute. I also asked for a letter of validation or contract. I will also attach my dispute methods regarding these issues. 

In addition to the unauthorized charged off accounts on my credit report, I have also noticed that there are discrepancies in the dates of the accounts being reported. The dates listed do not align with any financial transactions or activities that I have engaged in, further confirming that these accounts are fraudulent and should not be associated with my credit history. 

Furthermore, I have taken all necessary steps to protect my personal information and prevent identity theft, including regularly monitoring my credit report and promptly addressing any discrepancies that may arise. It is concerning that despite my efforts to maintain the accuracy of my credit information, these unauthorized accounts have still managed to impact my credit score. 

I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter thoroughly and expedite the removal of these fraudulent accounts from my credit report. I believe that taking swift action to rectify this issue is essential to preserving my financial integrity and ensuring that my credit history is reflective of my responsible financial behavior. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance. 

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

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}
Product: Debt collection

XXXX XXXX XXXX has been reporting to all three of my credit reports despite that fact that I had disputed this debt with them several times as well as disputing with all three CRA and it has been returned as verified. I would like to know how this alleged debt has been verified. I had requested from them legal validation on this alleged claim that I owe and had requested that they provide me proof of there ownership of this account. I had a phone conversation today with a Supervisor XXXX XXXX and requested from him the authorization that I had signed with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX XXXX his response to me was this is not required. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I have attached all information that I have received and sent to them to this complaint.
Product: Credit reporting or other personal consumer reports

i do not recognize any of the inquirys, i ask an they did nothing i well upload a copy of identity theft report
Product: Debt collection

I sent XXXXRANSWORLD INC and XXXX which they received on XX/XX/2022, they replied on XX/XX/2022 but did not verify the debt. They tacitly agreed that they knowingly and willfully violated my consumer rights, caused me physical harm, and defamed my character by reporting false and inaccurate information to CRAs.
Product: Credit card

I have been in a ongoing dispute with Discover Card over several issues. An online merchant advertised a free trial period yet continued to charge me. I tried to cancel the subscription by logging in but to no avail. I reached out to Discover Card and the customer service rep reported the card as lost, rather than stolen. The merchant continued to charge me and it was only after too late and I had to clarify the charges were fraud. The account has been closed but Discover is still saying I'm responsible for the charges. Discover Card has been generally unhelpful, uncommunicative, and non-cooperative in this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX
Product: Credit card

Dear CHASE, I am writing in response to the denial of my credit application. I would like to formally express my disagreement with this decision, as it has caused significant distress and is, I believe, unjustified based on my creditworthiness. 

As outlined in Title 15, Section 1691 of the Equal Credit Opportunity Act ( ECOA ), it is required that any denial of credit must be based on valid and verifiable reasons, and I have not been provided with adequate reasoning for the decision. My creditworthiness, as shown in my credit report, is sound, and I have consistently demonstrated responsible financial management. 

I would also like to clarify that under the provisions of the law, only the board of governors of the institution has the authority to deny an extension of credit. If the account is not opened as requested, I must rescind my application and seek resolution through other means. Should the matter not be resolved in a timely manner, I will be forced to pursue legal action to ensure that my rights as a consumer are respected and upheld. 

Additionally, I am prepared to sign a promissory note in accordance with the terms and conditions of your institution if the credit extension is reconsidered and approved. 

I trust this matter will be given the attention it deserves, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

Trans Union has XXXX incorrect addresses. 
XXXX XXXX, XXXX XXXX I never lived at or used this address for mail. It is the address of my BROTHER-IN-LAW 'S EX-WIFE. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This address must have a " XXXX '' before the house number, XXXX XXXX XXXX XXXX. 
That is all thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

NAVIENT - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting or other personal consumer reports

1 year and 11 months ago first progress bank reported that I missed a payment on my credit card due to autopay not pulling the payment for the bill. After speaking with first progress bank we came up with a solution which is I would pay the late payment and they would reverse the late payment as a goodwill adjustment. I paid the bill and they kept their word and removed the inaccurate late payment from the credit reports of XXXX and XXXX but XXXX never removed the late payment from my credit report. So as of now my esperian credit report is reporting an inaccurate late payment which is stoping me from buying a home and other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN XXXX HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 it says that I applied for a loan and bows it went to collections. The amount is XXXX I never applied for the loan. Someone stole my social security number and are using my name. I want this to stopped now.
Product: Debt collection

Good afternoon, I noticed that my personal information was sold to a third party company in order to collect a debt that I wasnt even aware of. Therefore your company violated my personal rights such as, Law 15 U.S. Code 1681s ( stats ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Etc.

15 U.S.C. 1692d ( stats ) A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Etc
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report and noticed several late payments on an account I was never late for. 

The account is for XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am reaching out urgently to address a serious issue regarding fraudulent inquiries that have emerged on my account. Despite my persistent efforts to resolve these fraudulent inquiries, the matter remains unresolved. These inquiries are fraudulent and have caused me significant concern and uncertainty regarding the security of my account. I want to highlight that I have taken the step of filing a report with the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries, underlining the severity of this matter. Despite my diligent efforts to address the issue, the fraudulent inquiries persist, which is deeply troubling. I kindly request that your team takes immediate action to thoroughly investigate and remove these fraudulent inquiries from my account. I expect a swift response detailing the specific steps your company will take to address this fraudulent activity, along with a clear timeline for the removal process. Additionally, I urge you to conduct a comprehensive review of your inquiry tracking systems and security protocols to prevent similar fraudulent inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is crucial in maintaining trust and confidence in your services. Failure to resolve this matter satisfactorily may require further action on my part, including seeking assistance from regulatory authorities or legal counsel. However, I am optimistic that with your cooperation, we can resolve this issue efficiently and amicably. Thank you for your immediate attention to this urgent matter. I await your prompt response and action regarding these fraud items in my credit file : 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/XXXX
Product: Payday loan, title loan, or personal loan

This loan company has overcharged me for a short term payday loan. They are now saying a owe them money in the amount of XXXX and I believe with all the fees and everything they have overcharged me.
Product: Mortgage

Our home was impacted by a tornado on XX/XX/XXXX. I communicated with my mortgage company about the house being damaged and was instructed by the insurance company who was repairing the home not pay the mortgage since we werent going to be living at our home. 

Each time I received a letter I would reach out to them to let them know the same thing. I kept in constant communication with Caliber, we were placed at a hotel while they found a house for us, I mentioned my husband vehicle was crushed by a tree that landed on it. 
It wasnt until the end of XXXX when I received a pink notice on being behind that when I was told by an agent we could pay what was owed. I tried paying it at the end of XXXX since we had just paid out deductible if {$6500.00} we couldnt pay all of it. When I spoke to another agent I was told something different. 

In XXXX when I called again I was told our home was now in foreclosure status with a sale date of XX/XX/XXXX and the only thing we we could do is submit metigation application and so we did. 
Every document I sent something was missing, I was appointed a SPOC single point of contact however I spoke to different agent each time. My husband is considered a business owner and everything I submitted was always missing something. My husband drives someone 18 wheeler and the owner of the truck did a letter, submitted pictures of the checks, tax records for XXXX, XXXX. We didnt do our XXXX since all of our belongings were packed out out of house. 

This was not going anywhere so I finally and asked what we could do to correct this issue thats when I was told I could pay to reinstate what is owed. 

I also called HUD to advocate for us however, I always trouble getting ahold of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

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 instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. Experian has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX  XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Product: Payday loan

I had to get a payday loan and got it from Advance Financial. I was n't told about the high interest rates and they claim they do line of credit but when I ask about it they said I did n't qualify. The amount kept getting higher and higher until it was out of control. Every month I get a email from them and they have tried to access my old bank account and stating they will do it again next month.XXXX
Product: Credit reporting or other personal consumer reports

I sent a complaint regarding this issue why are you still not going anything regarding this issue I been sending my the dispute since last month here 's the lists XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). 


They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

THE bureaus still refusing my dispute letters please delete it as soon as possible. Please delete it or else I will file a legal actions about it