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

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.

3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( 2022 ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX XXXX XXXX h

as 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit card

Someone opened this account under my name and a like social and different address etc. I have file a complaint with XXXX and they refuse to remove the account from my credit bureau. I have written to them 3 times and in none they are able to provide me with information that shows this account is mine nor that I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These cards were used fraudulently, much of the address on report are incorrect I never lived at some of the address '. The only loans are student loans and paid off car loans that are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, XXXX, and Equifax to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable
Product: Credit card or prepaid card

I had applied for a Discover Card and actually received the credit card in the mail. When I called to activate the card, the representative said it was still under verification. The rep. suggested there was an address issue pertaining to the spelling of my street name. I thought my conversation at that time resolved the issue. I never heard from Discover until today, as I received an email from Discover stating the account had been closed. I called today and spoke to a rep and then a supervisor and they indicated the account was closed and reported " closed by credit grantor. '' The account was never opened as I was unable to use the card. I don't feel Discover should be able to report this account as " closed '' when I was never allowed to open it even though I have the card in my possession. I feel the manner in which this card will be reported to the Credit Bureaus will reflect as derogatory on my file.
Product: Mortgage

I have been attempting to assume my FHA home loan with US Bank since XXXXXXXX XXXX XXXX.The most current attempt that I made was in XXXXXXXX XXXX XXXX and is ongoing. I have provided US Bank with every single supporting document/item that they have requested however I am unsure as to what the delay continues to be. I am tried of the bad business practices that continue happening within that department. I need help as I understand that is it not on their best interest for me to assume my current mortgage loan with my low to moderate interest rate compared to the current interest rate however US Bank is a part of the Fair Housing Act and my FHA loan is assumable.
Product: Credit reporting or other personal consumer reports

Request for Correction of Inaccurate Address and Employer Information on Credit Report # # # Inaccurate Addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX These addresses are not associated with me, and their presence on my credit report is inaccurate and potentially harmful to my credit profile. Additionally, incorrect employer information is also listed, which further contributes to the inaccuracies in my report.
Product: Mortgage

( Please Note : While this transaction occurred several years ago, I was apprised of the truth within the last three months. ) In order to prevent the foreclosure of my home in 2011, a family member secured the {$12000.00} to be paid towards the mortgage loan, as communicated by a Wells Fargo loan officer, and went to a local branch for processing. However, what was later revealed ( and corroborated ) was that most or possibly all of the funds were only applied to the lender 's attorneys ' fees, and Wells Fargo went ahead with their foreclosure regardless.
Product: Mortgage

I have been dealing with this company since going into the forbearance. The first agent I talked to told me I would have to call back XX/XX/XXXX with a certain amount which I did & then they tell me that I have to pay more. Now Im going through the process of trying to do a modification, I get a letter saying that they have everything & now they tell me that they need something that I have proof from a chat the social media agent told me was taken care of!
Product: Debt collection

XX/XX/XXXX notified of credit report having a collection account added for XXXX from drs Never received right to dispute letter. 
I do not owe this bill. I contacted XXXX XXXX and XXXX XXXX and they both say I dont have a bill due. 
In XX/XX/2020 a company called XXXX XXXX  tried to collect the same debt and found the debt was not owed. The company said they would delete this and the account would not get sold since it was a fraud collection attempt. 
Now here it is XX/XX/XXXX and XX/XX/XXXX and a company drs has placed the same account on my credit reports for the same account. XXXX XXXX and XXXX XXXX have said nothing is owed. 
This bill collection is a scam and fraud. 
Also, they never sent a notice to dispute. 
Also, I was told this account was moved for deletion by XXXX XXXX back in XX/XX/2020 since it was fraud collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA DEPARTMENT OF EDUCATION XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} I DO NOT REMEMBER SIGNING A CONTRACT WITH MOHELA DEP OF EDUCATION THE COMPANY IS REPORTING INACCURATE AND INCORRECT INFORMATION XXXX HOLDER IN DUE COURSE YOU ARE PROHIBITED BY LAW FROM PROVIDING FALSE INFORMATION. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18.
Product: Debt collection

Back in XX/XX/XXXX this debt appeared in my credit report and I disputed as not mine because I never went to Emergency in XX/XX/XXXX. Further more when I go to the doctor I pay my visit with my health insurance and any remaining balance that is supposed to be cover my me is paid with my Flexible Spending Account card-XXXX. This debt was disputed and deleted from my XXXX  Report because is not mine. Now they put the account back in my credit report. I disputed again and requested documentation that prove that is my debt and when I complaint to XXXX  that this account was deleted in the past and is also 5 years old they just responded that the account is now from another Company and they have to keep it in the report. I requested documentation to prove that is mine and it was not provided to me and anyways XXXX updated the account in my report. There is not a phone # for that Company in the Report and neither that Company contacted me and I have no business with that Company. It seems that anyone can just got to XXXX   and states that someone owes them to go ahead and put In your report event that was deleted and disputed in the past and also stablished that it was not your account.
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report. They sent back stating that everything was verified and is correct. When I check my report it is still showing the inaccuracies that I ask them to verify.

15 USC 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. 



XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 XXXX
Product: Debt collection

On or about XX/XX/2021, I noticed a negative report on my credit report, an account I did not recognize. On or about XX/XX/2021, I initiated a dispute with the credit agency, explaining that I did not recognize the item. At the same time, I mailed a letter to the data furnisher. My credit report has not yet been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporter act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquired on XXXX are incorrect I have called customer service and they refuse to help. After there system failure all inquiries are incorrect and not authorized by me
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 and 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

In addition to my original complaint, XXXX, these people have contacted by brother at his job. Inquired about my vehicle, asked my brother all types of off the wall questions. All inappropriate. The number they contacted my brother from is XXXX They also contacted by Aunt. Telling her they were trying to reach my attorney, stating I told them I had a lawyer, telling her they were taking legal action against me. The number they contacted her from is XXXX, File # XXXX. <P/>When I contacted the number above back, they told me the company name is API.
Product: Debt collection

During a security clearance reinvestigation in XX/XX/XXXX, I became aware of a {$400.00} collection action on my XXXX credit report for a debt I do not owe. I had this debt removed from the XXXX report in XX/XX/XXXX and it has reappeared under a different collection agency. My XX/XX/XXXX complaint to XXXX County Office of Consumer Protection and the debt collector response are attached. 

I notified the new collection agency, IC System, that I do not owe the debt and requested proof of the debt. It responded with a nonsensical letter indicating that it intends to continue attempting to collect the debt. No proof of the debt was provided. My letter to IC System and its response are attached. 

I complained again to XXXX County Office of Consumer Protection and it sent a letter to the debt collector to which the debt collector has not responded. My XX/XX/XXXX complaint and the Office of Consumer Protection letter to the debt collector are attached.
Product: Student loan

XXXX XXXX navient student loan.. XXXX XXXX school XXXX XXXX NY and XXXX XXXX XXXX NY..Loan is in default because i 'm unable to pay the amount. Their asking me for more than i make in my paycheck and its impossible to give a down payment of {$10000.00} and pay {$500.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I have reached out and I aso spoke to XXXX and informed customer service about the inteterest but it wasn't resolved when I was told it would be.
Product: Debt collection

The account was closed by Citi bank on XX/XX/2021 I paid the balance in full two months later I was sent a bill with 2 XXXX late fees. I called to inquire and I was told just pay the XXXX and my account would but good well the next month I received another bill and they have been sending bills every month adding XXXX plus interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) The XXXX XXXX XXXX account has been on my report since XXXX ( 25 years ), it was closed in XXXX XXXX statute of limitations is only 7 years, so this account should have been DELETED in XXXX. 

XXXX ) XXXX XXXX  was last reported/closed XXXX, this also exceeds the statute of limitations of XXXX  years and should be DELETED from my credit report. 
XXXX has deleted this account after i requested it based on this fact. 

XXXX ) XXXX  was closed and last reported in XX/XX/XXXX per XXXX and XXXX, again this exceeds the 7 year statute of limitations and should be DELETED from my credit report. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX was closed and last reported in XX/XX/XXXX, again the statute of limitations is only 7 years.This account is more than XXXX XXXX XXXX and should be DELETED from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Recoding Act. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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: Mortgage

I have been conditionally approved for a loan in the amount of {$210000.00} from Eastwestbankrefinancing .This conditional credit approval with terms is valid until XX/XX/2022 .This loan should have been close and handed over by this date.As of today, this has not happened. I have sent emails to urge them many times to communicate with them, but I have not been able to wait for a good result. 

I have good interest rates, and right now, the Fed keeps raising rates. And I haven't gotten any response when I can finish my case.
Product: Debt collection

On XX/XX/XXXX I submitted a dispute to Experian Credit Bureau via telephone regarding a medical debt with XXXX that is reporting on my credit report. I cited the No Surprise Act as my reason for disputing the debt. I had a car accident in 2021, as a result I had an attorney to reach out to all my medical providers for my bills to get them paid. I am assuming that this may be one of those providers since it is within that timeframe, but I can not be sure. Several providers did not respond to my attorney 's notice for requesting my bills. Again, I am not sure if this is one of the aforementioned providers, but regardless if is is one or not, I was unaware of this bill existing and I did not receive any notification from this company about owing this payment. I realized recently how I had a right to dispute it. I did this with Experian but they did not remove this debt from my report. I need this debt removed immediately because they did not inform me about it prior to putting it on my report. If this is a provider from my car accident in 2021 they should have responded to my attorney 's request to submit their bills for payment, which apparently they did not do. Please assist with this manner as soon as possible.
Product: Credit reporting

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency XXXX. claimed that XXXX violated the FCRA by the company XXXX allegedly erroneous reporting of XXXX XXXX XXXX on credit file.
Product: Vehicle loan or lease

XX/XX/2018 I spoken with a representative in correlation to the amount due at the time before repossession, i offered to make a payment amount that i was willing to pay, the representative from Capital One weren't able to lower the amount and i force to pay the required amount. If not the car would be repossessed. As a working consumer going to work it takes me 1hr from my resident. Also having health concerns and doctors appointment it would've been fair to work with me but Capital One decline. Now i have a outstanding without a car that i can not financially pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report inaccurate infomation all doc 's sent to the credit company
Product: Debt collection

Over a year ago I paid a year in advance for a web site hosting plan. After a few months and not completing the proposed project I took the lose and moved on. Then, out of the clear this hosting service tried to bill me for another year, in advance, for their service which I did not need. I contacted this company several times explaining that I no longer need or wanted their services, to no avail, as they never responded to my emails. Finally I called the company and the man I spoke with apologized and said he would clear their error. Shortly after this I noticed that this company charged my account. I called the bank, Chase, and explained what had occurred. They returned the funds to my account. Then last month the bank paid this hosting company again. Enough is enough! It appears that their customer service personal, located in 'never never land '', need better supervision. So, here I am again dealing with more foreign incompetent personal.Yikes!