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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX on my credit report. Please find the attached copy of my credit report with the relevant account highlighted for reference. This account contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically : Violations of the FCRA 1. Inaccurate Account Status : o The account is listed as " open, '' but it has been closed and is in collections. This misrepresentation violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy in reporting.

2. Inaccurate Past Due Balance : o The account reflects a past due balance, which is incorrect for an account that has been charged off and sent to collections. This reporting is inaccurate and unfairly impacts my creditworthiness. Actions Requested Under 15 U.S.C. 1681i, I req
uest that all 3 credit bureaus 1. Investigate the inaccuracies related to the account status and past due balance.

2. Remove the inaccurate information.

3. Provide a written response detailing the outcome of your investigation within the required 30 days.

Supporting Documentation I have attached the following for your review : 1. A highlighted copy of my credit report showing the inaccuracies. 2. Relevant correspondence/docu
ments to verify my claims, if applicable.

Legal Obligation If the furnisher of information can not verify the accuracy of the account, the disputed information must be removed per 15 U.S.C. 1681s-2. Failure to address these inaccuracies promptly could result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

I appreciate your attention to this matter and look forward to receiving confirmation of the resolution within the statutory timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX. Address Information : - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing.

As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. 

Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX  Balance {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Experian. I received a notification from them, via an email ( I used to have a membership ). The email notified me that my credit score had dropped XXXX points!! When I looked at my information, and called a representative, I discovered that no information had changed : I'm still paying my bills on time, and keeping my income to debt-ratio low. The representative told me that, get this- my score had dropped because my open accounts weren't very old. Hmmm ... .I replied, but, my score was XXXX, my accounts are " ageing '' and you've dropped my score because they aren't very old- but I had already established a high credit score when they were younger. I told him that makes no logical sense. He then told me that I needed to " hire '' a credit advisor. I need to hire a credit advisor for something that I did not do ...
Product: Mortgage

Prior to renewing my mortgage, An Ocwen broker stated that I had to be delinquent to qualify for a lower rate. I paid late to get a better rate and Ocwen filed documents about delinquent payments. I currently make my payments by way of direct deposit and get charged fees for late related charges. Payments are made timely and never missed. Ocwen informed me that the fees are for prior year late payments and/or postage fees. Ocwen refuse to remove the information from my credit report and is being unfair about the additional fees. The mortgage company is also showing a deferred balance on my account that should have been included in my refinance. I only requested a lower interest rate and not an extension of fees for time to pay. The changes was suppose to be a part of a government program not Ocwen 's program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, XXXX I received a XXXX dollars invoice XXXX from XXXX XXXX XXXX ( XXXX  ), for XXXX membership renewal. I contacted by phone XXXX XXXX XXXX, Executive Director of XXXX and authorized a one-time charge of XXXX dollars to my XXXX 's XXXX XXXXXXXX XXXX  credit card XXXX XXXX XXXX XXXX, in order to pay that balance in full. XXXX charged XXXX dollars to my credit card in XXXX, XXXX. 
On XX/XX/XXXX and XX/XX/XXXX XXXX made two charges of XXXX dollars each, total of XXXX to my XXXX credit card. I tried to contact XXXX  by phone, fax, e-mail but they never answered me. I even drove to XXXX 's office and it was closed. I contacted the card company to XXXX XXXX XXXX, to place those new charges of XXXX  in dispute. The credit card company, Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mailed me a letter stating that those charges were placed on dispute and that they will mail me a form if they need additional information. They never send me any form. Anyhow, I mailed to their XXXX XXXX XXXX XXXX Florida XXXX and also faxed to their fax XXXX XXXX XXXX all the pertinent documentation proven my dispute. Next, the credit card company send me a letter, making me responsible of those XXXX XXXX dollars charges, as " the cancellation policy for trial offers and product/service enrollment is determined by the merchant, and the merchant is indicating this was not cancelled according to the agreement. '' This statement does not apply to me. I paid my membership in full to XXXX on XX/XX/XXXX. I never signed any agreement. I contacted the credit card company again, disputing this statement from XXXX. I even requested them to send me copies of any documentation from the merchant, but the credit card company refused. 
This is an scam form XXXX and the credit card company is sponsoring this scam. 
XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are well aware, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. I expect full compliance with federal regulations in handling my dispute. 

Below are the accounts in question : XXXX XXXXXXXX XXXX  : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that Experian continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. 
XXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. 
Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should Experian fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. 
I trust that Experian will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.
Product: Credit card

I have requested Experian for XXXX XXXX account to be deleted as it is a charge off on their part. They also have not provided a 1099C and they keep reporting to it in my Credit as a charge off that is Fraud against the IRS. I am requesting it to be deleted completely of report immediately. Since they have the ability to report on my credit report, I have the right and ability to report them to the IRS as fraud.
Product: Mortgage

I have been attempting to reach someone at Mr. Cooper for the past two weeks regarding an urgent matter. I am currently in the process of purchasing a vacation home, but it still shows that there is a loan associated with Loan Number XXXX. I have been trying to obtain a Paid in Full letter, but my efforts have been unsuccessful. 

It appears that Mr. Cooper has not established a " Continuity of Contact '' phone number that allows consumers to speak with a live agent. Instead, calls are directed to AI Bots, which often disconnect the call without providing an option to speak with a representative. This lack of accessible communication is concerning.

I am requesting that Mr. Cooper promptly provide the Paid in Full documentation so I can proceed with my life without further delays. I have already explored multiple avenues, including emails and messages, all without success. Therefore, I am also asking the Consumer Financial Protection Bureau ( CFPB ), Federal Communications Commission ( FCC ), and Federal Trade Commission ( FTC ) to inquire into this matter, as this is not an acceptable way to conduct business. 

If I do not receive the requested documents promptly, I will have no choice but to proceed with a forensic analysis of the mortgage to verify that it has indeed been satisfied. I have already engaged a reputable company that is prepared to provide the necessary report and serve as a key witness regarding the findings.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that are erroneously listed on my credit report. I have recently reviewed my credit report and found multiple inquiries that i neither authorized nor recognize. These inquiries have adversely affected my credit score, and i request your assistance in resolving this matter. 

the following are the unauthorized inquiries listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i assure you that i have not initiated any transactions or relationships with these institutions that would warrant a credit inquiry. Therefore, i believe these inquiries are the result of an error or potentially fraudulent activity. 

I kindly request the CFPB to investigate these inquiries and remove them from my credit report as soon as possible. This correction is vital to maintaining the accuracy and integrity of my credit history.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Experian for inaccurate reporting of my XXXX XXXX XXXX  account on my credit report. I have identified several discrepancies and issues that I believe warrant immediate investigation and correction. 

Account Details : Creditor : XXXX XXXX XXXX Account Number ( as reported ) : XXXX Balance : {$580.00} Credit Limit : {$400.00} Status : Charged Off Issues Identified : Outdated Status Update Date : The status update is listed as XX/XX/XXXX, but the balance and charge-off status are still being reported as of XX/XX/XXXX. This discrepancy suggests incomplete or inconsistent reporting.

Payment History Errors : The payment history reflects a " CO '' ( charge-off ) status consistently from XX/XX/XXXX through XX/XX/XXXX, but the balance has remained unchanged. This raises concerns about the accuracy of the updates.

Incorrect Credit Usage Calculation : The credit usage is reported as 100 % despite the account being closed, which may unfairly impact my credit score.

Lack of Payment Adjustment : The balance has not been adjusted since the account was charged off, even though the payment history indicates ongoing reporting.

Missing Account Details : Important fields such as " Terms '' and " Monthly Payment '' are blank, making it difficult to fully assess the account 's accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. 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 CREDIT BUREAUS are required by law to remove any ITEMS which found to be opened due to identity theft. The dispute 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 these files listed below : 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 Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is 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: Debt collection

Hello, I reached to Convergent Outsourcing in regard to an account they placed on my credit. I sent them a certified notice. According to my credit they allege the account was formerly with XXXX XXXX. They is no such company in my area only XXXX, XXXX XXXX or XXXX XXXX XXXX. The account is fraud!!! 

They removed the account and added it back on my credit 2 weeks later using a different account number and they changed the dates etc. This is a violation of the fcra and the fdcpa. I have filed a complaint with y attorney general office and the ftc. 

original account number XXXX XXXX  XXXX  {$1300.00} new account number XXXX cox communication {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to contact XXXX, Trans union and XXXX regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by XXXX was completed ( attached ) XXXX still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. Transunion and XXXX have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! XXXX is reporting over {$13000.00} Equifax is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!