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

Account Number : [ TransUnion : XXXX | XXXX : XXXX ] I am writing to formally dispute inaccuracies in the reporting of the above-referenced account on my credit report. Upon reviewing the details from your bureau and comparing them to other credit reporting agencies, I have identified several discrepancies that require immediate investigation and correction. 

Discrepancies Identified : Account Type and Details : TransUnion reports the account as " Installment Account, '' while XXXX lists " Installment '' but does not reflect detailed activity consistently across its report. 
XXXX has no data for this account, which raises concerns about the completeness of reporting. 
Payment History and Status : TransUnion reports a payment status of " 120 days past due, '' while XXXX lists " At least 120 days or more than XXXX payments past due. '' This inconsistency must be reconciled. 

The two-year payment history on TransUnion includes XXXX instances of XXXX, XXXX, and XXXX late payments, culminating in " 120 days past due. '' However, there is no corresponding detail in XXXX. 
Dates and Activity : TransUnion reports " Date Opened '' as XX/XX/XXXX and " Date Last Active '' as XX/XX/XXXX. XXXX shows the same " Date Opened '' but lists " Date Last Active '' as XX/XX/XXXX. These discrepancies should be reviewed and corrected. 
Comments : XXXX notes " Consumer disputesreinvestigation in progress, '' which is not reflected in TransUnion. If a reinvestigation is underway, it should be consistently reported. 
Requested Actions : Conduct a comprehensive investigation with the original creditor or data furnisher to verify the account details, including payment history, status, and activity dates. 
Correct any inaccuracies or inconsistencies across the bureaus to ensure accurate reporting. 

Provide a detailed explanation of the investigation process and the evidence used to verify the reported information. 

Legal Obligations : As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate, complete, and verifiable. Please resolve this dispute and provide an updated credit report reflecting accurate data within the legally mandated XXXX period. 

If additional documentation or information is required to complete this dispute, please contact me at
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some unauthorized accounts. And under 15 USC 1681 a 3 Experian assumed my role without my permission or has not respected my right to privacy Under 15 USC 1681 a 4 Experian has not shown or expressed fair treatment or exercised responsibility. 
I have no given my written consent or any permission under 15 USC 1681 b2 for Experian to be reporting any of these 6 accounts : XXXX XXXX XXXX Closed Balance {$1500.00} XXXX  account 2 Closed Balance {$2500.00} XXXX XXXX Balance {$7800.00} Closed XXXX XXXX  balance {$2600.00} XXXX  XXXX balance {$480.00} XXXX balance {$420.00} I have no knowledge of consenting to the reporting of these accounts or the allege debt. In accord to 15 USC 1681 No invalid evidence has been brought forward for my inspection 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information 15 USC 1681 ( b ) Assures I am promised Accurate information. 
I am also requesting updated name correction while AKA is XXXX, XXXX and that is inaccurate along with XXXX XXXX  I am also requesting personal statements removed and a Hard Inquire from XXXX XXXX also reomoved while I have no knowledge of the inquire which also does not belong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting both my birthday and SSN incorrectly. In connection, it also is allowing that a late payment for XXXX XXXX, a company that services prepaid debit card accounts, be reported as a delinquent credit account on my current credit report. I do not, have never heard of, nor inquired of a XXXX 'credit ' account. This account is erroneous. It does not even exist as a known, recognized, possible available option for a credit account. 
Having used the XXXX XXXX Pre-Paid Debit Card in the past, however, it did not afford an opportunity to spend beyond the predeposited account threshold. 
I have no familiarity with a XXXX XXXX Credit Account. I absolutely did not request any XXXX XXXX service beyond pre-paid debit account with the company in years past. 
This overdrawn XXXX XXXX credit account of {$320.00} does not nor has it ever belong to me.
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Credit reporting or other personal consumer reports

I previously reached out to Experian, XXXX and XXXX and advised that I am a victim of identity theft. I obtained a copy of my credit report and noticed several accounts that do not belong to me. Upon discovery, I contacted the credit bureaus via phone on XX/XX/year> an d notified them of my discovery. I placed a fraud alert and contacted authorities and made a police report. I also made a report with FTC # XXXX. I also contacted the bureaus via mail with information to verify my identity in addition to a list of accounts that were fraudulently opened in my name. They responded within 30 days. However, the response did not follow my demands according to my rights per FCRA. I am demanding these accounts be removed as they have made a negative impact on my credit report and has also affected my score. I recently discovered that XXXX and Experian are being sued due to failure of reporting correct information and handling disputes properly. Please investigate and remove the following accounts immediatley. 


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

It appears that my credit file has been comes to terms. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my personal files. 
XXXX XXXX XXXX XXXX XXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Reference # : XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Transunion on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.
Product: Student loan

I've been XXXX for well over a decade. Student loans are supposed to be automatically XXXX when on SSA. I have met all requirements for years. I've submitted paperwork repeatedly, but received no response. Several times this year I've submitted the required documents. I finally submitted again via email so I had firm date stamped proof ( getting tired of sending in physical mail and getting no response ). After multiple emails inquiring about my submission with the attached proof, I finally received a letter saying they would finalize a decision in less than 30 days. If they needed additional information, they'd notify me within the 30 days. More than 30 days has gone by and nothing. I reached back to them and customer service said they've never seen XXXX finalized within 30 days. LOOK : This is my life here. I need accurate realistic information. Not made up lies. This affects my day to day living. I have it in writing that a decision would be made within 30 days. I did my part repeatedly. SSA failed submit the quarterly tpd discharge report I'm told for a decade!?! My paperwork was lost or whatever repeatedly by whoever at XXXX discharge. XXXX. Now that we know they've had my paperwork and I received a letter saying it would be done within 30 days... It still wasn't. I've jumped through hoops here and there's been nothing but failures through no fault of my own. 

**Note : If you never complete the process in 30 days, DON'T put it in the paperwork! These are real people 's lives being messed with on a daily basis. 

Why is it so difficult to just be truthful and upfront about expectations when finances are concerned - especially considering this is regarding the inability to pay because of total and permanent XXXX. My finances are crucial and flat out lying about 30 days can destroy someone financially that thinks the government might tell you the truth.
Product: Credit card

I have been paying separate interest ( cash advance interest ) on my credit card statement each month in addition to the regular interest charged on my charge purchases. This has been going on for some time but when I look at my statement online it shows that the Cash Advance interest rate is 28.24 % just as it is for regular charge purchases 28.24 %. So I called them today, XX/XX/XXXX to inquire about what cash advance purchase was made and when because I don't recall when I have ever made a cash advance purchase with this credit card. Well after speaking with 2 customer service reps and ultimately a Supervisor they told me that this was a cash advance made in XX/XX/XXXX for {$63.00} ( over 5 years ago ). I told them that after all this time paying interest each month this balance wasn't never paid off! I most often always pay more than the minimum payment each month. Why can 's some or part of that additional payment go toward the cash advance balance. They told me the only way that {$63.00} would be paid off is if I pay the account in full, otherwise it would keep accruing interest forever more until the entire account is paid in full. This to me is bad practice. If this is the case as they say, then why would any one want to use the cash advance feature when they would have no chance of paying it off. Furthermore, even though they charge me interest on this cash advance, they avoid putting on my statement if anything has been applied nor include any information about the original balance.
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 Equifax and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

CarMax falsified or participated in fraud by giving a false and inaccurate XXXX XXXX  lending finance charge statement when in connection with a consumer credit transaction, informing me I needed a {$20000.00} down payment. See attachments for violations
Product: Credit reporting or other personal consumer reports

I attempted to obtain a car loan through my bank, however, they were unable to pull my credit file and states the Equifax score showed XXXX, and nothing was listed on my credit file. I was able to see my credit score on Myequifax however, I was also unable to obtain my credit report. I called Equifax and was informed by a representative that I needed to send in documentation ( SSN and Driver 's license ) with my request. It was never made clear what I was even requesting nor could the representative advise me what the request should say. After overnighting the documents to them, XXXX week later they still say that have not received the documentation. Although, I have verified everything possible regarding my account, they still are unable to provide any information or assistance. They have not even been able to tell me when this will be corrected. I was told it was an error in Equifax 's " back end system '' of which only a special team would be able to fix. However, it is effecting me, the consumer. This has to be illegal. Why are we using Equifax if their systems are this flawed? This is an inconvenience and still my situation has not been handled by Equifax. So, I nor my bank is able to pull my Equifax credit file.
Product: Debt collection

Experian, XXXX and XXXX are ALL reporting false owed items. 

Dispute # 1 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company : US Department of Education opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..
Product: Payday loan

I got a payday loan of XXXX. The XXXX thing they did was charge my payment on the wrong day then add those fees, the XXXX thing was they did n't take the whole payment but started charging me every month at 1140 % .Then I refinanced, but they tricked me and I had to pay more to pay off my existing loanand get a new one! Not what I was told!
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of several Items on my consumer report, and as always it came back as verified as accurate. XXXX is being sued for Sham investigation and Transunion is doing the same thing, conducting sham investigations. 1681i ( a ) ( 5 ) ( a ) failure to delete inaccurate information, 1681i ( a ) ( 1 ) ( a ), ( a ) failure to investigate disputes about inquires. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy. Unreasonable overreliance on data furnishers XXXX response.
Product: Mortgage

My mortgage lender is BSI Financial ( https : //www.bsifinancial.com/ ) and not by choice. 1 month after buying our new house XX/XX/XXXX we were automatically switched to BSI after starting with XXXX XXXX XXXXXXXX ( XXXX ). 

I received a delinquent tax notice XX/XX/XXXX from my county department of taxation/budget/finance saying my property taxes were not paid XX/XX/XXXX and we now have accrued a late charge. 

I contacted BSI and they could not explain to me why it wasn't sent back in XX/XX/XXXX, but that they would make sure they do it. They sent a check for XXXX on XX/XX/XXXX, after the tax notice came through, even though now XXXX due to the late charge. 

I am upset that they did not pay my property taxes on time in XX/XX/XXXX. Because they use a 3rd party to send the money, BSI can not give me an estimate as to when the county government will receive the property tax payment. Another late fee will be charged in XXXX. I called the govt office today, they have not received the XX/XX/XXXX payment from them as of today. 

I am frustrated that I am paying this mortgage lender plenty of money to make sure taxes are paid and they did not do it. BSI says they will pay for any late charges accrue due to this, but ultimately I know I still pay for it in the end. I am sure an escrow analysis will be done next year and it will show that there were not sufficient funds to cover XXXX taxes so they are charge more for escrow. They are also going to report it as ME BEING the reason the taxes are late to credit bureaus and it can not affect my credit score. 

The problem with these mortgage companies is it's hard to get out of the contract without having to dump a lot of money in another one to refinance. 

Again it's completely frustrated that I am the one suffering the consequences for no reason whatsoever.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. XXXX  days should be enough time to get back with me. 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

I sent have disputes back in XX/XX/2024 and had signed up to to be able to lock my account but I was unfortunately never able to due to the system being down or service not available. 
My address is also incorrect and want it to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX My rights and privacy have been violated I have requested the deletion of the following inquiries due it not having my permission nor does it have any permissable purpose on credit report. 


XXXX. XXXX  XXXX XXXX XX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX - XXXX XX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 


XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 


XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no pemissibel purpose to e on my report,. Delete this inquiry due to violation of 15 USC 1681b. 

I want these inquiry deleted. 
.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate addresses listed on my credit report, which I obtained on [ Date of Report ]. These addresses are not associated with me and may be indicative of identity theft. The following addresses are inaccurately reported : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, NV XXXX These addresses do not reflect my current or past residences and are likely associated with identity theft. As such, I request their immediate removal from my credit report to prevent further harm and inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports. 
FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable.

Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.