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

I am demanding an immediate investigation and correction of inaccurate information on my credit report. Specifically, I have identified several instances of incorrect late payment reporting and unauthorized hard inquiries that violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. These inaccuracies include multiple accounts, such as those with XXXX XXXX XXXX XXXX XXXXXXXX, and others, where late payments were reported incorrectly. I request that these be updated to " paid as agreed '' and removed from my credit report as they are not accurate. 

Additionally, there are multiple instances of alleged debts being reported by debt collectors, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. Under 15 U.S. Code 1692g, I am requesting verification of these debts and documentation proving that the debt collectors have the legal right to collect them. Without proper validation, I am demanding the removal of these entries from my report.

I am also disputing unauthorized hard inquiries under 15 U.S.C. 1681b ( a ) ( 2 ), specifically with XXXX and XXXX, and requesting their removal. 

Finally, I am disputing inaccurate personal information, such as incorrect addresses on my credit report. Under the FCRA, Experian is legally obligated to investigate these disputes and correct any inaccuracies within 30 days, as outlined in 15 U.S.C. 1681i. Failure to do so would constitute a violation of federal law, subjecting you to liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance.

I expect a thorough investigation and written confirmation of your findings, as well as an updated copy of my credit report reflecting all necessary corrections. If this matter is not resolved within the legally mandated timeframe, I will escalate the issue through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or seek legal remedies. 

Your prompt attention to this matter is crucial, and any delay or negligence will not be tolerated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX, XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXXComplaint # from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : BANK OF AMERICA XXXX
Product: Credit reporting or other personal consumer reports

- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX XXXX XXXX Account Number : XXXX Please XXXX account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX XXXX  XXXX 
Account Number : XXXX Please XXXX account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX Account Number : XXXX Please XXXX  account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX  XXXX XXXX Account number Please XXXX  account from credit file.
Product: Credit reporting or other personal consumer reports

THIS IS THE LETTER I SENT TO EXPERIAN. 


I'm not sure why my accounts are not reporting to my consumer report. 
I am writing to formally dispute the failure of Experian to report my credit score on my credit report for the past XXXX years. As a consumer, I have the right to an accurate and complete credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
It is my understanding that Experian, as a credit reporting agency, has an obligation to ensure that my credit information is up to date and reported accurately, including my credit score. The failure to do so is a violation of my rights under both federal and state law, and I am requesting immediate corrective action. Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) and Uniform Commercial Code ( UCC ) regulations, Experians failure to report my credit score as part of my credit file is improper and potentially unlawful. 
I demand the following actions be taken : 1. Immediate Correction : Update my credit report to reflect my accurate credit score, as it has not been reported for over 2 years. 
2. Explanation and Documentation : Provide me with a clear explanation and documentation as to why my credit score has not been reported during this period. 
3. Investigation of the Dispute : Initiate a formal investigation into this matter, in compliance with the FCRA, and provide me with the results of the investigation within the 30-day time frame as required by law.

Failure to address this issue promptly will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to ensure compliance with FCRA and other applicable laws. 
Please consider this letter as formal notice of my dispute, and I expect written confirmation once the errors have been corrected. 
Thank you for your prompt attention to this matter.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX. I only attended school for a month before having to leave due to my transportation failure.My truck needed repairs so I stopped attending school. I went on with life when sometime ago I was receiving literature from XXXX for repayment to the school but it was for {$40.00} plus thousands dollars. I filled complaints that went unanswered. They put it on my credit report sometime after that which did a lot of damage to my credit score I was buried in debt. XXXX was recently sued and found negligent in there student loan practices. Fast XXXX I am now receiving literature from a company whom in which the debt was passed to, Edfinancial. This is fraudulent due to the negligence of XXXX from 2011. All studies who have attended vatterotte institutions should have been forgiven because they too have been sue and close due to negligence. I request a further investigation of this matter. 
Redeemed in lawful money pursuant to 12 u.s.c. 411 All credits and debits must be settled in lawful money. I demand full discharge Of this obligation in lawful money. Public debt obligation 31u.s.c 5118 ( a ) ( 2 ) Calvin Smith Jr. UCC 1-308
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently going through the process of buying a home. For over a year, my credit was around XXXX, never low than XXXX. Around XXXX this year, it dropped down to XXXX. There has been no changes in my credit. I still have the same installment loans ( mortgages, cars ) and have not changed any of my credit cards or applied for anything new. I do not have any complaints that would have changed my score. 

I believe this is from discrimination against me and my wife. There is no reason why my score would have dropped by that significant amount during this time unless it was decided based off our age, race or ethnicity. 

I am filing complaints with each bureau for their unethical behaviors and will report this in any way I can to make the public aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. The 5 inquires are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with you!!!!!!
Product: Debt collection

There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every 15 minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
Product: Credit reporting

My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, XXXX, XXXX & TransUnion, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. XXXX & TransUnion continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( XXXX XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, 'XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that XXXX & TransUnion also delete this negative information from my files, as well. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> JPMCB was sent a cease and desist notice along with specified demands for remedy pursuant to 15 USC 1692c. ( c ) ( 2 ). JMPCB responded in complaint # XXXX stating they will not remedy as demanded. They are in violation of the FCRA in accordance to 15USC 1692c. ( c ) ( 2 ). A FTC report was made stating that this information is rallying to identity theft. I did not give any written permission in accordance to FCRA to have this identified transaction furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is showing up on all my credit reports two bankruptcy, so i get in touch with them asking to verify these inform, they respond they got it from the Georgia Federal Bankruptcy Court- XXXX.So i send this information to the court they respond back to me with a letter saying that the Clerk 's Office does not provide information to credit reporting agencies. 
So i send them a dispute letter requesting for the bankruptcies to be removed from my report, it's been over 30 days and no respond back from them, i have all my letters that i send to them as my prove. 
Can i get some help here it's damaging my report from me having a good credit. 

Thanks XXXX XXXX.
Product: Credit card

I have an autopay set up for the minimum payment to avoid late fees in case I am unable to access my phone. Typically I manually pay the full balance of my card so the issue I am going to describe has not occurred previously. 

On XX/XX/XXXX I made a manual payment via the Capital One app. I selected the " Remaining statement balance '' option for the amount in order to avoid interest, the amount paid was {$1100.00}. After submitting the manual payment the app prompts me to cancel my automatic payment for the month. I do as the app suggests and cancel the payment as I've just presumably paid the statement balance and won't be charged interest. 

I then received an interest charge of {$73.00} on XX/XX/XXXX. I received a second interest charge in the amount of {$80.00} on XX/XX/XXXX. I believe this second charge is a residual/trailing interest charge. 

On XX/XX/XXXX I called Capital One for an explanation of how I was charged interest when I paid my statement balance. A Capital One representative informed me that because the autopay had been scheduled, the amount in the " Remaining statement balance '' did not include the amount scheduled for autopay. Therefore when I cancelled the autopay, as the app prompted me to do, it resulted in carrying a balance on my card and interest being charged. I viewed this as an app issue and felt I was being penalized for proactively paying my statement balance despite being unemployed at the time of the payment. The representative offered to waive only {$50.00} of the total interest I had been charged. I called back during daytime hours on the same day so I could be escalated, but the representative I was escalated to gave the same offer. I was denied further escalation and told it was the best I was going to get.

In summary, I was charged interest on my account due to an issue with the app, and customer service was unwilling to make it right. I simply wanted to pay my statement balance but was prevented from paying the full amount by the design of the app. I would not have canceled the automatic payment if I had not been prompted to and would have avoided interest entirely. I feel the app prompting to cancel and leading to this issue may be a disingenuous and anticonsumer deliberate design decision. I don't have this problem with other major credit card apps. Specifically, XXXX XXXX XXXX XXXX
Product: Mortgage

When we were shopping for a mortgage, Chase Manhattan offered to match the terms a competitor offered by issuing a refund in the amount of {$1400.00}. This was communicated by the Chase mortgage broker via email on XX/XX/2023. 

After we closed on our property on XX/XX/2023 we reached out to our broker to inquire about the refund and he said that it was being worked on. Since then we have had at least XXXX calls and have sent XXXX email messages to get the refund processed to no avail. 

We tried to escalate this via the Chase internal complaint portal on Chase.com in early XXXXXXXX XXXX XXXX but the refund hasn't been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance Owed : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account is reporting as a collection on my report despite not having a consistent and reliable historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying on my vehicle for almost 3 years. The company has only reported the first XXXX5 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX 2016 as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since 2016 and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

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

I pulled a copy of my annual credit report and saw that there are 10 aliases that are not me on my report. There are also 9 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an entire apartment complex. I believe this is a personal attack by my husband who I am separated from and his friend who has security clearance, XXXX XXXX. They are also accessing my XXXX email, my XXXX email and social media. They are intercepting my phone interactions making it impossible for me to receive codes to get in my social media and XXXX government accounts through XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.