23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

**Experian Dispute Resolution** XXXX XXXX XXXX XXXX  TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccuracies on my credit report that I have previously attempted to resolve, but which remain uncorrected. It has come to my attention, through my own experience and recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), that Experian 's practices in handling consumer disputes may not be in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am disputing the following items on my credit report : 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 listed have inaccuracy This account reflects inaccurate information Per the FCRA, Experian is obligated to conduct a reasonable reinvestigation into disputed items and provide clear, accurate, and timely results to consumers. However, I have experienced issues similar to those highlighted in the CFPBs lawsuit, including : - Failure to properly investigate and resolve disputes, resulting in the continued presence of inaccurate information on my credit report. 
- Lack of clear and understandable communication regarding the outcome of disputes. 
- Over-reliance on furnishers ' responses without appropriately considering the supporting documentation I provided.

I request that Experian : 1. Conduct a thorough and reasonable reinvestigation of the disputed items in compliance with the FCRA.

2. Provide me with a clear and detailed explanation of the investigation results, including any changes made to my credit report.

3. Remove or correct any inaccurate or unverifiable information as required by law.

If these issues are not resolved to my satisfaction, I am prepared to escalate my complaint to the CFPB or seek other legal remedies.

Please confirm receipt of this letter and provide a response within 30 days, as required by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> ive never opened this account please remove from my report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To whom it may concern : I need your professional assistance. 

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files. 

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old 5-year-old accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low 500s, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items:XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX  XXXX XXXX Balance : {$5500.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. <P/>Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. <P/>I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 )  XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. <P/>I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Product: Debt collection

A phone call from XXXX XXXX XXXX have my personal information, address, SSN, birth date. Company said their name is XXXX, said I had a unpaid credit card in collection that they were assigned to handle. Told me I would have to go to court to pay court costs and lose my car which they knew the exact car I have. I'm filing this report, don't know what I should do next. I have XXXX credit reporting and locked credit file. This occurred XX/XX/XXXX at XXXX XXXX  mst. They tried to convince me to start paying on this debt which isn't real. I don't qualify for a Citibank signature visa card. Which they said was closed for non payment in XXXX. A real scary scam
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX  has fixed it but Equifax and XXXX  refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX can see that hers is incorrect as well.
Product: Debt collection

Summitt receivables calling daily to " settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX  there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Transunion has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sought to collect on loans and have created false information in my credit files as to a charge off in XXXX. 

The Superior Court of XXXX  dismissed all of thier claims in XX/XX/XXXX. 

I have disputed entries on my credit report where the court dismissed thier actions.
Product: Checking or savings account

Bank of America close my joint and personal account along with my savings accounts and they keep pushing the date to retrieve my funds from my checking and savings
Product: Checking or savings account

Accounts ending XXXX and XXXX were closed and I asked for a hardship withdrawal but the bank is asking me to go to a branch to withdraw my funds but I do not have a physical branch I can go to where I live in XXXX XXXX, XXXX XXXX. So I can't access the funds I need for my medical expenses.
Product: Mortgage

I have been trying to get the correct amount of debt owed on my mortgage asked for 3 months to get a copy of the original mortgage documents company is unable to provide the documents. 

They sent me a inaccurate transaction history I was able to find 2 bank statements showing payments that was not on their history. I have provided this to them but did not get any response. 

They are unable to provide mortgage docs showing the obligation of the debt and the transaction history is inaccurate It is the responsibility of the lender to provide accurate proof of debt. I have given them documentation that their information is inaccurate. 

They violated my rights by making phone calls to my cell phone after being requested not to. I attached a email showing I released them from this after several calls were already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not remove the inaccurate accounts, according to the provisions of the FCRA
Product: Credit card or prepaid card

I made a payment of {$750.00} on XX/XX/22. The payment should have been applied to each minimum promotional balance outstanding. However, the payment appears to have just been randomply applied to one specfic promotional balance. If this is not fixed I will potentially have to pay interst on promotional balances that are coming due that were not appropriately credit. 

I tried e-mailing and calling and no one can help.
Product: Vehicle loan or lease

In XX/XX/2020 I traded in my vehicle financed through Carmax Auto Finance. I never missed a payment on that vehicle, but Carmax added daily finances charges of several hundred dollars after the dealership who sold me my new car paid off the Carmax loan and accepted my old vehicle as a trade. Even though I never missed a payment, Carmax counted me as 60 days past due over a couple of hundred dollars. Carmax closed my online portal, so I had no idea that I owed the money until it showed up on my credit report. I have contacted Carmax numerous times to explain what happened, and they said they will not remove the account they're calling " delinquent '' over a couple of hundred dollars. There is NO WAY I could possibly have known that between the time the dealership paid off my Carmax loan and when the account was closed, I was accruing additional charges. Please take this off my report. I think the pandemic played a big role here as well, because the dealership said that the mail/payoff check to Carmax might have been delayed for a few days. I have attached proof that I paid all of the loans on time. Thanks so much!
Product: Credit card or prepaid card

I have been a Capital One credit card holder for at least two years. I opened this account as my first credit card when I was in my final year of college. I believe it was, at once point, associated with my status as a Student. I am 13 months out of college at this moment and have almost always ( at least for the past 12 months ) paid the complete amount on time. I have never spent over my limit ( or even come close ) or been more than a few days late, if at all. In late XX/XX/XXXX/early XX/XX/XXXX I closed my checking/savings with a small local bank ( Institution for Savings in XXXX, MA ) and opened a new checking/savings account with XXXX XXXX. I immediately linked this account to my Capital One account so I could continue paying my monthly credit cards bills on time. Unbeknownst to me at this time, the XXXX XXXX account was somehow not added to my Capital One account, but instead a XXXX XXXX XXXX account was added. I do not currently nor have I ever had any kind of account with XXXX XXXX XXXX. I do not know how this account was added. I did not consciously done. Because this account, not my XXXX XXXX account, was added, the auto-payments from XX/XX/XXXX and XX/XX/XXXX defaulted and did not go through. As such, the account accrued both late fees and interest charges from both of these months. There was no effort made by Capital One to inform me of these default payments, despite 2 years of history and and an exceptional record of on-time payments. Today, I logged onto my mobile account and saw these fees and charges for the first time. Thinking it was a misunderstanding, I called the customer service number. They informed me of the XXXX XXXX XXXX accounts, which, as you can imagine, was a huge surprise to me. The company then led me on a 2 hour, 7 person, 2 dropped call goose chase to get answers. In the end, no one was able to help me. I am extremely frustrated and disappointed at the quality of customer service, inability to claim responsibility, and attitude with which I was treated.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, XXXX, Transunion, and XXXX have all reported negative items of accounts that doesn't belong to me nor bare my signature. I've filed police reports regarding these issues and submitted them to both the consumer agencies and the companies that have reported to the consumer agencies. 

XXXX has removed, but since reported again the same accounts in question.
Product: Debt collection

Jefferson Capital systems is reporting a debt of approximately {$1700.00} on my credit report but has not sufficiently reached out to provide validation of this debt. It appears that this debt began reporting in XXXX related to an alleged XXXX XXXX
Product: Debt collection

I have disputed owing the debt to all credit reporting agencies and despite bank statements, it remains on my credit and causing undue stress.
Product: Debt collection

This complaint involves receiving a phone call at my phone from Focus Receivables Management , LLC, on XX/XX/2022, the lack of any formal letter following the initial communication on that date, and the repeated calls that have ensued after that date. Attached to this complaint are images of my call logs and the Letter of Intent to Sue which I have prepared in hopes of resolving this complaint amicably. I would like the CFPB to look into this company 's unscrupulous business practices and take appropriate action to stop future XXXX  by telephony.
Product: Mortgage

I am a XXXX  for estate who held a reverse mortgage since XXXX on his property. XXXX XXXX was the servicer then XX/XX/XXXX XXXX took over. You were instrumental in resolving the problem of the month in XX/XX/XXXX complaint XXXX. I sold the unit XX/XX/XXXX and was required to remit in full the amount listed on the payoff statement dated XX/XX/XXXX. On XX/XX/XXXX I contested {$6500.00} and {$1000.00} property tax erroneously paid was removed. Subsequently I received the XXXX statement and {$41.00} plus {$5700.00} charge which increased the loan balance was contested overpayment to {$11000.00}. which was transmitted to RMS XX/XX/XXXX. on XX/XX/XXXX supervisor XXXX XXXX told me payoff statements were an estimate and any overpayment would be refunded. On XX/XX/XXXX at XXXXXXXX  CD {$410.00}, XXXX was transferred into RMS account. This weekend I received a notice RMS would no longer be servicing this account and would not be able to send checks after XX/XX/XXXX as XXXX XXXX  XXXX would become the servicing agent. Today RMS customer services XXXX reiterated they would respond in 30 business days and after XX/XX/XXXX would not be servicing. Supervisor was not available. Since the loan has been overpaid in full, there is o longer a loan to service. What can I do to recoup the overpayment? I elected to satisfy the Payoff statement in order to complete the unit sale which recorded XX/XX/XXXX. How can I recoup the overpayment? 
Reverse mortgages are impossible to deal with, my sympathies to anyone else that must interact with them.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with XXXX, Transunion, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion makes it very difficult to determine how to attach a credit freeze without paying for their ridiculous monthly service. By comparison, the others have it as a clear prompt on their home page and it costs {$5.00}. 

I have tried numerous times to call and log in online and the call has been dropped 3 times. Online, I end up in a loop where it does not accept my password, nor let me change my password. 

I was able to get my free credit report from TransUnion, but I do n't want any of their other garbage products. I simply want to put a freeze on. I 'm frustrated that they make is so difficult. I have not been able to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XXXX XXXX XXXX I noticed that equalfax had XXXX debts that where not mine XXXX for {$250.00} and XXXX for {$52.00} when I checked my free credit report from equalfax they had the XXXX wrong names and had changed my name from XXXX XXXX XXXX to XXXX XXXX and Vinyard-Helms They also have me had lived in Maryland and XXXX Missouri I have only lived in XXXX Mo and XXXX Ia and XXXX Missouri I called them immediately and the first woman that I talked to told me that I had to be a member to correct their mistake the second woman that I talked to told me that I had to fax copies of my driver 's license and social security card which I did she told me that it would be fixed by today but I just checked and it 's not
Product: Debt collection

Debt of {$940.00} submitted to Credit Collection Services in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Notified through credit monitoring service that collection was filed against me. After speaking with several representatives, I was told this account was opened on XX/XX/XXXX. I had no knowledge of nor authorized the opening of such account with my name attached. Several attempts to reach the company have been unsuccessful since a policy number is requested to access connection to a live person.