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

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX, XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to resolve my disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to address inaccuracies on my credit report, Equifax has not taken appropriate action. 

On the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX, I mailed dispute letters to Equifax requesting an investigation into several items on my credit report. These items contain information that I believe is inaccurate and incomplete. 

In response to my disputes, I received only one communication from Equifax in XX/XX/year>. However, the response did not adequately address the issues raised in my dispute letters. Instead, Equifax merely stated, " The results are : XXXX : Member number submitted not reporting as inquiry on credit file. Please verify the member number and resubmit your dispute online. '' I am dissatisfied with this response as it does not provide a resolution to the inaccuracies on my credit report. Furthermore, I have a legal right to dispute these items by mail, and Equifax 's insistence on online submission is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Online Information Services XXXX XXXX XXXX XXXX, NC XXXX **Subject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Online Credit Services, I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt. 

Please provide the following information : XXXX. The original creditor 's name and address. 
XXXX. The amount of the debt. 
XXXX. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt. 
XXXX. A detailed accounting of how the amount you claim is owed was calculated. 

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only. 

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to delete this account off my credit report because they are old account that are closed account like ( XXXX XXXX ) XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX that isnt my account they are doing nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ca. XXXX XXXX XXXX XX/XX/2023 To : Consumer Financial Protection Bureau Subject : Concerns Regarding Experian 's Credit Rating Practices and " Experian Boost '' Product Dear Sir/Madam, I am writing to express my concerns regarding the credit rating practices of Experian, one of the major credit bureaus, and their product known as " Experian Boost. '' I believe that Experian is artificially lowering my credit rating on purpose to promote and sell me subpar credit cards and their " Experian Boost '' service. 
Over the past few months, I have noticed a stark disparity between my credit scores as reported by Experian and XXXX. While my XXXX credit score is XXXX, my Experian score remains stuck at XXXX. This discrepancy is highly concerning, as the information on my credit reports and financial habits is consistent across both bureaus. 
Furthermore, I have observed that Experian 's tracking of my credit card activity lags behind that of XXXX by approximately 30 days. This delay creates a skewed representation of my current financial standing and poses several challenges when attempting to make informed decisions about my credit options. 
This situation raises suspicions that Experian may be deliberately suppressing my credit score to market their " Experian Boost '' product, which claims to help consumers improve their credit scores. However, the fact that my XXXX score remains substantially higher, despite sharing similar credit data, suggests that Experian is not providing an accurate reflection of my creditworthiness. 
I am deeply troubled by the possibility that Experian is manipulating credit ratings to exploit consumers ' concerns about their credit standing and then offering a paid solution to rectify artificially lowered scores. Such practices are deceptive and may lead consumers to make ill-informed financial decisions, causing significant harm in the long run. 
In light of these concerns, I earnestly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Experian 's credit rating practices, with a particular focus on the discrepancy between my XXXX and Experian scores. Additionally, I urge your agency to examine the " Experian Boost '' product to ensure transparency and adherence to consumer protection regulations. 
As a responsible consumer seeking fair and accurate credit reporting, I trust that your agency will take appropriate action to address these potential violations. Your intervention is vital to safeguarding consumers like myself from predatory practices and ensuring that credit bureaus operate with integrity and accountability. 
I kindly request that you keep me informed about any developments or outcomes resulting from your investigation. If further information or documentation is necessary to aid your inquiry, please do not hesitate to contact me at the provided contact details. 
Thank you for your attention to this matter, and I look forward to a prompt resolution of these concerns. 
Sincerely, XXXX XXXX SS # XXXX
Product: Debt collection

A debt collection company called me about a debt that that's 10 years old and told them to never contact again. Since then they have sent 2 focusing emails to me to try and trick me to sign to an agreement to pay. I have called back about this and asked for it to stop and they stop no you need to click on the email. They have not sent any correspondence in the mail. Never once supplied an email they could have potentially sent to a wrong email and risked someone signing a focusing with my name on it. 
Company is D2 Management LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX XXXX history wrong for all 3 credit bureau XXXX  XXXX XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau
Product: Credit reporting or other personal consumer reports

I am writing to complain about Credit Karmas violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e. Credit Karma provided me with an inaccurate credit report that does not match my actual XXXX report. The accounts wrongly included in my Credit Karma report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The collection from XXXX XXXX XXXX XXXX XXXX  with a late payment There has been an agreement with XXXX to correct all these accounts, and they should not appear as they do in Credit Karma. These inaccuracies affect my credit score and financial standing. I urge the CFPB to investigate and ensure Credit Karma adheres to FCRA standards.
Product: Credit reporting or other personal consumer reports

I am exhausted with wasting postage, paper, time and resources for this issue with Experian to be resolved. The last response I received is attached. 

In their response they wrote " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' This is a direct effort to ignore my complaint. I sent a copy of my picture ID to show proof of my identity as requested. 

I am further frustrated that the CFPB is supposed to provide oversight and there is nothing being done to enforce the law here. 

I have another active complaint filed with the CFPB against EXPERIAN and the complaint is just sitting there. 

EXPERIAN is now attempting to have me either call or using their online system to address the issue, which I refuse to do as I want everything in writing so that I have a copy. 

Here is the complaint number that has already been filed and unanswered XXXX against EXPERIAN. 

Additionally, I included another letter that I sent using XXXX to send the letter certified to have documentation that EXPERIAN is receiving my disputes and ignoring them.
Product: Student loan

Spent hours on the phone only to be sent to Borrower Defense. However Borrower Defense states it should be Aidvantange as the loan was forgiven with out need of application due to actions by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with Transunion was never late! I have had exceptional payment history with XXXX  XXXX  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 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.

Transunion 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: Vehicle loan or lease

I moved to a new state in XX/XX/2023 and in order to update my registration and get a new license plate, the DMV is requesting I have my loan agreement. I called capital one in XX/XX/2023 requesting this document. They said i

t takes 7-10 business days to send. I waited the 10 business days with no sight of the document so I called back. The next person confirmed the first representative did not process the request and did it again ( restarting the 7-10 business day wait ) during this time my previous registration e
xpired in XX/XX/2023 so this delay has caused me to drive with expired registration in an incorrect state. 
Another 7-10 business days passed and I still did not receive the document. I called back a third time and they said they will try to send again and to wait another 7-10 business days. It is now XX/XX/2023. There has been no urgency to assist this issue and when I called back a 4th time today to check on the status the gentlemen told me he didnt have access and hung up on me. I am running out of options and this delay is causing me to drive illegally due to the negligence of capital one.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute several inaccuracies on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section XXXX ( a ) and 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ). The inaccurate information is adversely affecting my creditworthiness and overall financial health. According to 15 U.S.C. 1681 Section XXXX ( a ), XXXX has determined that consumer reporting agencies have grave responsibilities to ensure the accuracy and fairness of credit reporting. Additionally, 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) stipulates the permissible purposes for which a consumer report can be furnished, which further supports my right to dispute and correct any erroneous information. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts contain inaccurate and potentially fraudulent information. I request that these entries be investigated and rectified as per my rights under the FCRA. Specifically, I ask for : XXXX of the accuracy of the disputed accounts. Removal of any information that can not be verified as accurate. XXXX notification to all credit reporting agencies to correct and update my credit file. Enclosed, you will find copies of my credit report highlighting the disputed items, as well as any supporting documentation I have regarding these accounts. Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the integrity and accuracy of my credit report. Sincerely,
Product: Mortgage

I initially applied for two mortgage loans in the beginning of XX/XX/2019, there were some follow up questions and I provided all the required information almost instantly. I was refinancing my primary residence and investment property in Hawaii. The file was not fully underwritten in over 60 days. At the end of XX/XX/XXXX I decided to cancel the loan since I did not see any progress. I was referred to a different captive agent in Wells Fargo ( Sales Manager ) who was supposed to push things through faster. I initially re-applied around XX/XX/XXXX. After again a few back and forth follow-ups the loan was finally submitted on XX/XX/XXXX. Underwriter did not even look at the loan until XX/XX/XXXX and then the basic questions started to roll in about my ratios which were not even calculated correctly. Regardless, this was a clear Regulation B violation where I did not get a reply within 30 days from my loan submission. And this regulation has been violated twice! The bank 's excuse was that they are really backed up and don't have enough underwriters on staff. I have the proof in the text and emails.
Product: Mortgage

New re-fi mortgage with United Wholesale Mortgage. First payment of {$1100.00} due XXXX. Scheduled payment through my banks bill pay. Payment was rejected by processor. Reentered the information and scheduled another payment. It too was rejected. Had XXXX draft both payments from my account to become current on the loan. They reported me to the credit bureau as being over 30 days late. You would think they would offer me some type of grace period before reporting me as late considering this is a new loan and there is obviously some issue with bill pay ...
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding inaccuracies in my credit report. Despite numerous attempts to rectify these errors, I have yet to see any updates reflecting the correct information. 

Firstly, I have consistently provided my current address as XXXX XXXX XXXX, XXXX, TX XXXX. However, it appears that this information has not been updated in your records. I reiterate that this address has always been my place of residence. 

Furthermore, I must emphasize that I do not have any employer, yet your report lists a company as such. It is imperative that this erroneous information be removed promptly. 

Upon thorough inspection of my credit report, I have identified several discrepancies that require immediate attention : My full name is XXXX XXXX XXXX, and I request that this be the only name listed on my report. Please remove any other names, including misspellings, as they are inaccurate. 

My date of birth is reported incorrectly. The correct date of birth is [ Month, Day, Year ] : XX/XX/1993. 

In addition, my current address remains incorrectly listed. It should be updated to reflect XXXX XXXX XXXX XXXX, TX XXXX. Any other addresses listed are undeliverable, and I have no affiliation with them. 

I have diligently submitted disputes regarding these errors, yet they persist. It is imperative that these inaccuracies are rectified to ensure the integrity of my credit report. 

I kindly request that you FIX these matters promptly and provide confirmation once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

The account is reporting a XXXX charge as a write off but I never received a XXXX to report on my taxes. This company is still trying to collect the funds after writing off the charges ( via ) XXXX XXXX. This is against my consumer rights. These charges need to remove off the credit report if the loan was write off and a XXXX need to be mail out Claim as income via IRS code.
Product: Credit reporting, credit repair services, or other personal consumer reports

One year ago, I took a fall in a parking lot and caused significant damage to my XXXX  and XXXX XXXX. I was taken to the Emergency Room at XXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the United Collections Bureau in XXXX, Ohio. 
I have provided clear documentation to both XXXX and the United Collections Bureau and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has an account listed under my name that is an old, obsolete and out of date account. They have this account with a date of last payment as XX/XX/XXXX If we were to use this date and then count 7.5 years that account should have been removed from my credit file on XX/XX/XXXX yet they still have this account listed. They are costing me financial hard by continuing to publish and report old, obsolete, and out of date inaccurate information on my credit file. 

XXXX TransUnion XXXX  XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Educational Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$21000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK XXXX XXXX  XXXX  They are also maintaining incorrect personal data. The following addresses are not my address, in fact the second item on this list in not an address anywhere in the world, so can they have it listed on my credit file is beyond me. These two items should be deleted post haste. Time is of the essence. My one and only address is XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the accounts listed below 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
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. XXXX Account # XXXX Has violated my Rights. 

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.