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

Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by TransUnion, XXXX, and XXXX. The discrepancies between the information reported by these bureaus, along with XXXX 's documented history of inadequate investigation practices, necessitate immediate attention. 

Issues Identified : Balance Discrepancy : TransUnion reports a {$0.00} balance, while XXXX and XXXX report {$1500.00}. 
Terms and Payment Frequency : TransUnion lists terms as " Monthly, '' XXXX as " 12 Months, '' and XXXX as " Weekly ( due every week ). '' High Credit Amount : TransUnion lists {$1500.00}, while XXXX reports {$1600.00}. XXXX does not include this information. 
Date of Last Activity and Last Payment : Dates are inconsistent across all bureaus. TransUnion and XXXX list different timelines compared to XXXX. 

Comments : TransUnion notes " Dispute resolved; customer disagrees, '' but XXXX states " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. '' XXXX lacks any comments. 
Request for Investigation and Correction : I am requesting a thorough investigation into the discrepancies outlined above. Please take the following steps : Verify the accuracy of the reported information with XXXXXXXX XXXX 
Provide documentation to support the charge-off, balance, and other account details. 
Correct all inconsistencies, including balance, payment frequency, high credit, and comments. 
Remove any information that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Equifax. They need to fix the issues about the inaccurate information for the accounts and the unauthorized account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the items that I am disputing : XXXX. XXXX XXXX {$420.00} XXXX. XX/XX/XXXXDismissed XXXX Reference number : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Debt collection

I changed my phone number 3 days ago. I OWE DEPT TO NO ONE. This is the 3rd time in 3 days these scammers have called me. Each time they have told me they would take my name off their list. This is the third time I have given them my name. This is the 3rd time they have asked me for my SS Number. This is nothing but a scam operating under " PORTFOLIORECOVERY '' They have contacted me from XXXX and XXXX. 


This is a dangerous situation for people who do not recognize a scam ; please shut them down. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank # XXXX, XXXX XXXX XXXX Bank # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX  Bank # XXXX XXXX XXXX bank # XXXX XXXX XXXX XXXX Bank # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the inaccurate information that is appearing on my credit report. It has been brought to my attention that XXXX has completed its investigation, but I am disappointed to learn that the inaccurate information remains on my credit report. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Additionally, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ].

Therefore, I am requesting that you take immediate action to remove the inaccurate information from my credit report, specifically the account related to the trade XXXX XXXX XXXX XXXX with the account number XXXX. Furthermore, I request that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX XXXX XXXX account completely removed from it. In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. I hope that it will not come to that, and that we can resolve this matter in a timely and efficient manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681b of the FCRA
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a ConsumeXXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint regarding inaccuracies in my credit report as provided by XXXX, Experian, and XXXX. The discrepancies I have identified are outlined below, along with the applicable violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

Identified Inaccuracies : XXXX. Account # : XXXX ( Revolving Account ) Inconsistency in Credit Limit : XXXX and Experian report a credit limit of {$2000.00}, while XXXX reports {$0.00}. 
Account XXXX : XXXX states the account is " Closed, '' whereas Experian and XXXX indicate " Paid. '' o Comments : Each bureau lists conflicting reasons for account closure. 
XXXX. Account # : XXXX Account Status : Both XXXX and Experian list this account as " Derogatory, '' but details differ regarding payment history and last reported dates. 
XXXX XXXX XXXX : This amount is reported consistently, but its legitimacy is in dispute. 
Monthly Payment of {$84.00} : Experian lists an active monthly payment of {$84.00} despite the account being marked as " Derogatory '' and in collections, which suggests an inaccuracy. 

Legal Violations : Under the FCRA : XXXX. Section XXXX ( b ) : Credit reporting agencies must maintain maximum possible accuracy. The discrepancies in account statuses, limits, and payment terms demonstrate a failure to comply. 
XXXX. Section XXXX : Upon dispute, credit reporting agencies are required to conduct a reasonable investigation. The ongoing inaccuracies indicate either a lack of investigation or a flawed process. 
XXXX. Section XXXX : Outdated or incorrect negative information, such as " Derogatory '' account statuses and conflicting payment information, should not appear if inaccurate. 

Under the XXXX : XXXX. XXXX XXXX : Debtors have the right to an accurate statement of account. The conflicting details between agencies violate this principle. 
XXXX. XXXX XXXX : This section requires parties to act in good faith. The lack of clarity and conflicting information regarding the {$84.00} payment calls into question the reporting agencies ' good faith efforts to provide accurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- The CFPB said an employee forwarded the personal information of more than a quarter-million consumers to a personal email account, an incident that the bureau described as a major breach. 

XXXX has had a breach all the people set in place to keep to gate keep has failed to protect consumers leaving us exposed for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX I paid off all my XXXX credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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
Product: Debt collection

On XX/XX/2019 XX/XX/2019, XX/XX/2019 I have contacted Citibank and advised them that I have been a victim of identity theft. They choose not to look into this matter and wanted payment. Also they wanted to setup payment arrangements. I have even sent the collection agency notice advising them that I am a victim of identity theft. I am requesting this negative information to be remove from my credit report because it is hindering me from buying things such as a house. This is not my debt it belongs to someone who used my information to obtain it. This has been going on for 9 months
Product: Debt collection

Medical bill balance of {$370.00} from XXXX XXXX XXXX XXXX ( XXXX ) for service on XXXX was directly paid to XXXX by XXXX ( XXXX = XXXX Savings Plan ) on XX/XX/XXXX. Medical bill balance of {$22.00} from XXXX for service on XXXX was directly paid to XXXX by XXXX on XX/XX/XXXX. Medical bill balance of {$14.00} from XXXX was directly paid to XXXX by XXXX on XX/XX/XXXX. I have been furnishing documentation showing this to XXXX since XX/XX/XXXX. In spite of this, XXXX has sent these paid amounts to Credit Management Services ( CMS for collection. I have asked the Nebraska Secretary of State 's office ( NESOS ) for assistance by documenting these amounts were paid and should be immediately removed from collection and corrections made retroactively with all credit reporting bureaus. NESOS has done nothing other than pass correspondence from XXXX to me. Further, I provided proof of these payment on XX/XX/XXXX emailed directly from XXXX and gave CMS until Monday, XX/XX/XXXX to make the corrections showing these amounts paid, correct the information with all credit reporting bureaus and issue a letter of apology from both CMS and XXXX. I have yet to receive any response from CMS.
Product: Debt collection

My identity was stolen and several accounts were opened in my name including this one.
Product: Mortgage

After multiple calls over many weeks, Carrington Mortgage Services has yet to transfer my account over to the permanent loan modification that was fully executed on XX/XX/XXXX ( I have the hard copy that was notarized by Carrington as executed ). 

It states that as of XX/XX/XXXX, my balance would be {$100000.00} which includes the {$3600.00} not paid during my forebearance period. My new interest rate should be 2.7500 %. 

I entered forebearance in XXXX of XXXX. 

Since that time, I have made the following payments : {$970.00} on XX/XX/XXXX via phone {$970.00} on XX/XX/XXXX via phone A second payment of {$970.00} via phone on XX/XX/XXXX Once offered a trial modification, I made the following payments in accordance with the trial modification offer : {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone I have also made the following payments : {$990.00} on XX/XX/XXXX via the Carrington website {$930.00} ( my new monthly payment per Carrington for the permanent modification ) on XX/XX/XXXX via phone {$930.00} via phone The dates on the loan modification documents don't line up as my first set of documents did not pass Quality Control ( Carrington stated the notary stamp was blurry ). 

I have called and called, been transferred to different departments ( some who state that they can't even see my payments that I have made ), told I will need to make my trial payments ( which I have - and for which they have documentation ). I have been spoken to as if I am clueless about the process and my part in it. One recent representative didn't believe that I had the permanent loan modification documents in hand that had been executed and notarized by Carrington. 

My most recent statement shows a number of adjustments that don't reflect the payments I have made. I addition, most of the payments I have made are sitting in a suspense account, not applied to the balance of my mortgage, and the escrow portions have not been applied to my escrow account. 

I am asking for assistance from your agency as I have had made no progress communicating directly with Carrington. In fact, it is getting worse. Whereas my mortgage statement dated XX/XX/XXXX shows my escrow account at - {$1800.00}, today my online account shows it as - {$2400.00}. 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding their inaccurate reporting of a balance on my closed account with XXXXXXXX XXXX I have disputed this issue with TransUnion several times, as the ongoing reporting of a balance on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with TransUnion, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with the FCRA.

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

On XX/XX/XXXX my home was foreclosed on by XXXX XXXX XXXX. This company has been reporting that I am past due on my mortgage instead of reporting that it was foreclosed on in XXXX. I contacted the company to resolve the issue and I was told to file a dispute with the credit reporting agencies. So I filed a dispute with Experian on XX/XX/XXXX, but I was told I need to contact XXXX XXXX  to have them send in the correct information. So again I contacted XXXX XXXX  and asked them to submit the correct information but I was told it's the responsibility of Experian. 

I am embarrassed that my home was foreclosed on even tho it was due to me being ill and in the hospital for almost a year and therefore my pay was deducted by half which resulted in me defaulting my mortgage loan and losing my home. However I'm trying my best to move forward but I can't with XXXX  XXXX refusing to report the correct information. 

I filed a complaint with XXXX XXXX XXXX and I'm still waiting for them to comply with the simple request to correct what they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

On XX/XX/2019 at XXXX XXXX, XXXX XXXX contacted my house regarding a debt owed by someone else. I was awakened at that terrible hour and recontacted the caller who left the message ( XXXX XXXX ). She advised that I was listed as a reference for XXXX XXXX and that she needed to speak with her about a debt to XXXX XXXX XXXX. I explained to the collector, that XXXX XXXX didn't live there and that it was XXXX XXXX. She basically had no compassion and said " well it is XXXXXXXX XXXX my time, so I am within my rights ''. I advised her that she was in fact in violation of Debt Collection laws and that it was very simple to run an area code and find out that I am in Arizona and that she was in violation NOT only because of the harassment, but I wasn't even the debtor. 

While I had received a few calls and messages, this was the most extreme and after the lecture and a request to remove my phone number, I have not been recontacted -- however, I did contact the family member and was advised that a payment plan had already been worked out prior to that time -- so I was needlessly awakened because the internal communications were not even in order. 

I have attached a photo of my caller ID showing the time/date and caller.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX Consumers Affairs.