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

I am filing this complaint against Experian due to their ongoing failure to investigate and remove fraudulent accounts, inquiries, and personal information from my credit report, despite multiple disputes and clear evidence provided by me. 

Fraudulent Account : XXXX XXXX : This account is fraudulent and was opened without my authorization. Experian has failed to conduct a proper investigation or provide evidence to validate this account. 
Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are fraudulent and have no connection to me. Despite my disputes, Experian has refused to delete them, leaving inaccurate and damaging information on my credit report. 
Fraudulent Inquiry : XXXX XXXX Inquiry on XX/XX/2024 : This inquiry was made without my authorization, yet Experian continues to report it as valid. 
These inaccuracies have caused harm to my credit profile, financial opportunities, and emotional well-being. Despite my repeated disputes and compliance with Experians documentation requests, they have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to remove unverifiable or inaccurate information. 

Experians negligence in resolving these matters shows a lack of accountability and adherence to federal law, and their inaction continues to cause me unnecessary stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/year> Purchased townhouse, with {$180000.00} for, paid XXXX XXXX XXXX  for closing cost on taxes. 
Mortgage company would not listen to me at all. 
Prime lending and a plainscapitol, so within 45 day Prime lending, sold to new server, received two 1098s one for {$850.00} and another {$3600.00}.

If they would of use the original {$6000.00}. For closing there would of not been a 1098 for {$3600.00}. Dated XX/XX/year>. 
Since taxes weren't paid originally on XX/XX/year>. 
I started receiveding taxes due statements from XXXX XXXX XXXX. 
I've spent days on the phone waiting. XXXX 100 % XXXX XXXX, homestead over XXXX. 
XXXX still fighting with them. 
For fees To be refunded. 
Then my insurance company talked to them and determined that they were going to raise my Premium {$1100.00}, on top of the {$2500.00}. Annual equals {$3600.00}. Plus the the original house payment {$1200.00}. They have up it to {$1900.00}. 
I have been able to reduce house payment down to {$1500.00}. 
I been able to to talk with XXXX XXXX for help for year now. 
And now they want to hear what happened are looking into the white collar of pre meditate embezzlement. 
Thank you for this opportunity. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Texas XXXX XXXX XXXX XXXX XXXX. 
I have documents to support this pre meditated embezzlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the XXXX and TransUnion Credit Bureaus to ignore a consumer 's requests for the correction of the disputed account reporting erroneous information on my Credit Report. I sent a letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct the information being reported by the accounts on my Credit Report. Upon checking my reports, it is clear that the Credit Bureaus have been ignorant of my requests for the correction of the disputed accounts on my Credit Report. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX - ACCOUNT # XXXX has violated my rights. 
DEPT OF EDXXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF EDXXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

An account from XXXX is showing opened on XX/XX/year>. I have never had an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, Experian and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> complaint XXXX was submitted. XXXX responded by sharing the information from the vendors was accurate. Due to the rights and protection laws I am legally in my rights. Entitled to a fair and 100 % accurate verification of information on my credit report. If this is true how can XXXX verifying with a third party is 100 % accurate. The only way would be from the courts. Vendors that was used I did not receive any information or documentation that was used to come up with this verification. If I have proof from the clerk if the court and the website stating. That they do not validate/ verify the information thats in the public records from sites like XXXX and XXXX. 

The information how is it verifiable without my license or social security number. If the clerk court did not verify then how is this information 100 % accurate. In order to report on my file it must be 100 % accurate. The evidence and statement from the court prove your findings to be inaccurate and incomplete XXXX lack of properly investigating is in direct violation of my rights. The information reporting is inaccurate and incomplete. Please provide documents from the vendors used validating my identity. Attached will be statements from the courts and XXXX response. Please remember that defamation of character and actively reporting false information on my credit report is violation and I will seek legal remedies. Cause how can this information be verified with the credit agencies if the clerk do not communicate with them. This means secondary agencies as well. So I ask if you are not verifying with the clerk of the court. Who are you and your vendors verifying this information with. The only way would be contacting the clerk of the court and getting something that certify your investigation findings. Take note identity theft have been reported also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX  : XXXX XXXX Date Updated : XX/XX/2018
Product: Mortgage

Roundpoint Mortgage Servicing LLC ended up sending me advertisements in the same mail as my tax documents for a third party. I got a XXXX XXXX XXXX XXXX advertisement included with my official Annual Tax and Interest Statement XXXX.
Product: Debt collection

I am continuously getting phone calls from the company in question about, what i assume, is a debt for someone who is not me. I answered the phone and spoke with someone several months ago and let them know they had the incorrect phone number and asked that they not call this number again. They have continued to call weekly and sometimes daily. I have caller ID and do not answer the phone any longer. However, this is my work place phone and would appreciate if the calls would stop. This has been ongoing for at least 6 months, if not longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Receivables Management Systems. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Request for Deletion of Unverifiable Account from Credit Report Dear Consumer Financial Protection Bureau I am writing to formally request the removal of an account previously reported by XXXX XXXX on my credit report. This account, with a balance of {$2000.00}, was disputed with XXXX, and after a thorough investigation conducted on XX/XX/year>, and completed on XX/XX/year>, XXXX determined that the account was unverifiable and subsequently deleted it from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to the protection of accurate and verifiable information on my credit report. Specifically, under 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information reported. Since XXXX has deleted this account, it is evident that the account could not be verified as accurate or complete. 

Furthermore, 1681i ( a ) ( 5 ) ( A ) of the FCRA mandates that any unverifiable account must be promptly deleted from the consumers credit report. Given that XXXX has removed this account, I urge you to follow suit and delete the same unverifiable account from my credit report immediately. 

If this unverifiable account is not removed within 30 days, I will exercise my rights under 1681n and 1681o of the FCRA, which allow me to pursue legal action against any credit reporting agency that fails to comply with the law. Please note that I am fully prepared to escalate this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary. 

I request written confirmation of the deletion of this account within 30 days of receiving this letter. If you require additional information to process my request, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

Bullcity Financial XXXX ( XXXX ) XXXX has threatened to sue and garnish my XXXX wages based on a debt that was owed to a creditor that is no longer in business. Bullcity financial is the fourth entity that has attempted to recover on a debt that does not belong to me and continue to harass me.
Product: Debt collection

i sent a letter to midland credit management on the XXXX of XXXX and hasn't received a response to this letter : XX/XX/2021 MIDLAND CREDIT MANAGEMENT , INC ATTN : XXXX CALL, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$310.00} Dear MIDLAND CREDIT MANAGEMENT, INC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 



cc : Consumer Financial Protection Bureau via fax XXXX
Product: Credit reporting or other personal consumer reports

A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, XXXX, and Experian are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from my HSBC account to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX, the XXXX is XXXX, XXXX XXXX checking was not able to process this wire on XX/XX/XXXX due to the wrong routing number input for some reason. Subsequently, they initiated a return/refund with XXXX XXXX. 

I'm submitted this complaint end of business day on Friday XX/XX/XXXX after back and forth with HSBC for several days, they're still not able to provide any information with regard to the dangling wire transaction ( in the amount of {$5000.00} ) and the fund has not yet been deposited back to my account.
Product: Credit card

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : BARCLAYS BANK DELAWARE XXXX
Product: Mortgage

When I obtained my mortgage from Huntington Bank, I was first told by the mortgage officer, XXXX XXXX XXXX, that there would not be private mortgage insurance. Further into the loan process he said that the appraisal did not come back high enough so I would have to pay private mortgage insurance. I inquired with him as to when I would be able to have that private mortgage insurance payment removed. He told me once I got the loan under {$100000.00} I just needed to request it and they would remove the private mortgage insurance. I have paid for XXXX  years and got the mortgage under {$100000.00} and requested it. I was told they would not remove it. When I inquired with the company they told me I needed to contact XXXX XXXX XXXX to have it removed. 
When I inquire with XXXX XXXX, he has emailed me back and told me that the rules have changed since I signed my mortgage with them. 
How can they change the rules after the fact? I feel they are being very deceptive and continue to collect private mortgage insurance for me even though I followed exactly what they told me I needed to do.
Product: Mortgage

I was working a loan modification within Wells Fargo. I was told not to do anything until the process was complete. In listening to them I'm now 2 months behind due to poor communication. They refuse to help with a payment plan. They forced me into Loan Review and never came up with a solution. Then tried to force a short sale and refuse to help me get caught up.
Product: Debt collection

I took a loan from Moneylion at the end of 2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " Location Services '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in financial services and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX. XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$400.00}.