23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a paying customer and my report still says XX/XX/2021. I have called and submitted several help tickets to Experian and still no response nor a solution to my problem. Last time they said they would send me an email to fix. I got the email and followed the instructions. I get the same technical error I did over 4 months ago. I decided to cancel my membership because of this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my letter, I disputed the accuracy of certain negative items on my credit report, including a bankruptcy. Additionally, I requested detailed information about how Experian conducted its investigation, specifically : The date Experian contacted the creditors or furnishers.

The contact information of the creditors or furnishers.

The name of the individual who verified the disputed information.

The method of communication used to verify the information.

Whether my personal information ( e.g., Social Security number, address, date of birth ) was provided during the verification process.

To verify my identity, I included copies of my Social Security card, government-issued ID, and proof of address in my dispute letter.

Despite my efforts, I have not received a response from Experian within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit report, the credit bureau must respond within 30 days by conducting a reasonable investigation and informing the consumer of the results. Experians failure to respond violates my rights under the FCRA.

Attachments Provided : Copy of my dispute letter dated XX/XX/year>. 
Proof of mailing ( XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
Copies of my Social Security card, government-issued ID, and proof of address provided with the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my TransUnion credit report. Despite my previous contact with TransUnion on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : MA XXXX OF XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The MA BRD OF XXXX account listed on my TransUnion credit report requires verification as your reporting of this information is incorrect. The XXXX of {$2000.00} reported by TransUnion is inaccurate, and I believe it should be a lower amount. Furthermore, the XXXX XXXX amount should not be presented for this closed and charged-off account. I request TransUnion to mark this account as disputed while I work towards resolving my dispute with the creditor. Additionally, I require TransUnion to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$110.00} The XXXX account listed on my TransUnion credit report needs to be examined due to incorrect reporting. The XXXX of {$110.00} reported by TransUnion appears to be higher than the balance I remember. Since this account is listed as closed, the XXXX XXXX amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action, but I request TransUnion to report this account as disputed while I attempt to find a resolution. 

Inaccurate Evidence on MA XXXX OF XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The inaccurate information provided by TransUnion regarding the MA BRD OF XXXX account is causing significant prejudice to my credit reputation. The reported XXXX of {$2000.00} does not correspond to the lower amount I remember. I request TransUnion to revise the XXXX XXXX information as it is not accurate to present a XXXX XXXX amount for a closed account that was charged-off. This account 's inaccurate reporting has likely negatively impacted my credit score. Consequently, I need to reach an agreement with my creditor regarding the incorrect data. I request TransUnion to mark this account as disputed to prevent further negative impact on my credit score. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} The XXXX account listed on my TransUnion credit report inaccurately shows a late payment. I request TransUnion to remove the late payment notation as this account was never late. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} The XXXX XXXX account listed on my TransUnion credit report requires correction/update as the information provided is inaccurate. I kindly request TransUnion to rectify this incorrect information. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} The XXXX XXXX account listed on my TransUnion credit report inaccurately shows a late payment. I request TransUnion to remove the late payment notation as this account was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 


DATE COMPANY ADDRESS REQUEST ORIGINATOR 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for several rental properties on XX/XX/2018 and I was not made aware that a hard inquiry would be place on my credit report for applying. 

This particular company Leasingdesk not only placed a hard inquiry on my credit but initially gave me a bad rental history that I was denied and had to get additional information to prove it. 

Since they have sent emails to advised that their reporting was indeed in error. 

I applied for several rental properties and none gave me a hard inquiry or provided this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached for my dispute against the XXXX XXXX XXXX  XXXX XXXX. It lists several violations of consumer finance law and violations of the ADA. In short XXXX stopped generating paper AND paperless statements for my credit card and revolving student loan accounts in sometime between XX/XX/XXXX and XX/XX/XXXX. I logged in on or around XX/XX/XXXX to find the system showed XXXX accounts active or closed. Moreover, the system listed XXXX ( XXXX ) statements and indicated I was not eligible for electronic statements. TILA/Regulation Z requires XXXX send me periodic statements. They did not. Th normal rebuttal would be " you could have accessed your statements online. '' I could not because their system showed I had XXXX accounts. XXXX was notified within a sixty ( 60 ) day period when in XX/XX/XXXX I e-mailed and notified XXXX of the billing error. They acknowledged it was their error and that their system and automatically dis-enrolled me from paper an paperless statements. I filed disputes with the CRAs in XX/XX/XXXX because XXXX began reporting my accounts as delinquent despite not providing statements and XXXX ( XXXX ) records in the system showing I had ANY accounts. It was never fixed. I took screenshots in XX/XX/XXXX, XX/XX/XXXX. In XX/XX/XXXX the accounts were allegedly charged-off and XXXX locked me out of online access. I filed a complaint with my state regulator in XX/XX/XXXX and they sent a close-out letter today, XXXX XX/XX/XXXX stating that they could not investigate the truth of fact, and notified me that they could investigate no further because XXXX filed two ( 2 ) separate lawsuits in small claims court for the maximum amount. Moreover the stated the documentation provided by XXXX showed I allegedly violated the card agreement due to " several late and missed payments before and 'after ' COVID ''. That statement is curious because the pandemic still exists. If what the state regulator was referring to, the I should make clear, as I did in my statement to the regulator, I've had XXXX XXXX XXXX : XXXX in XXXX XXXX, XXXX in XX/XX/XXXX. Each of those periods was followed by afflictions of long-XXXX  that lasted for over XXXX ( XXXX ) year for which my daily activities were compromised because I had brain swelling with microbleeds. On those grounds alone, I am a XXXX individual under the ADA. I also have ADHD and take XXXX and an XXXX. Supply chain disruptions have made it difficult to fill my medication during the pandemic. Sudden halts in the combination of medications can cause XXXX. Overall, it is clear XXXX has engaged in unfair, unlawful, and abusive practices. Given I'd filed complaints against XXXX within one-hundred twenty ( 120 ) days prior it would seem XXXX 's used, an continues to use the courts as a means of harassing me into paying. XXXX, the court has ordered mediation. This is supposed to be a reputable credit union. However, that is how they are treating current and former XXXX members that are XXXX. The full complaint/dispute is attached.
Product: Credit reporting

Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with transunion and XXXX and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor XXXX I have attached the following proof from the credit bureau who has the correct information reporting
Product: Checking or savings account

I open an bank 2 week at td bank. I use zelle and wire transfer and cashapp. Now they want to close my account. When i go to bank to withdraw all my money. They told me that money doesnt come out from those account.
Product: Credit reporting or other personal consumer reports

I trusted this company with helping me solve my issues on my credit. I began paying them XXXX, after a month goes by, I started seeing charges of XXXX to XXXX, which they told me were solutions to the dings on my credit. All lies, my score never went up or improved. And every month there was an inquiry on my credit report that was not authorized. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

These account from XXXX XXXX  were removed from my credit report in error. They were current up to date and paid off. I want these accounts added back to my Equfax report asap. 

XXXX XXXX XXXX XXXX XXXX {$2200.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$700.00} opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with INNOVIS, XXXX XXXX, XXXX the also have records of file the are wrong.
Product: Debt collection

I have requested debt validation as well as ceast and desist because I have no knowledge or have I approved this transaction.
Product: Vehicle loan or lease

Have had two lawyers and both refused to proceed with case. I have all documents to prove what happened. My credit was ruined and I have contacted both car dealer and Wells Fargo. For one year and a half I have contacted them. XXXX XXXX XXXX  car dealership wrote a fraudulent contract. The mileage was different on contract than with state of XXXX XXXX XXXXXXXX records. The car was a lemon. I did have a 30 day warranty but the dealership refused to take car back. I have been trying to get help for years.
Product: Credit reporting

I was using the Equifax website to perform a temporary lift on my frozen credit. After filling out the required information and submitting it, the company 's site timed out while processing my credit card information for their required XXXX dollar fee. I then used their customer service line to check if the temporary lift had gone through. The customer service rep, who said her name was XXXX, told me that the temporary lift had gone through but that I had submitted multiple times ( she later said 2 or 3 ) and, thus, I had been charged multiple times for that XXXX temporary lift request. I had only submitted the info once before their system went down. Thus, they have overcharged me because of a problem with their online system. No one there at the Equifax customer service could refund me the charges made in error by their organization. I now have to submit documentation of the billing charges and give reasons as to why they should refund me the charges they erroneously made even though they already confirmed the multiple charges. Further, they only accept a faxed letter as there is no physical address or email address for their refund department. Needless to say, I am irate at this company for a poor website that overcharged me, customer service which can not help me, and a refund process that is set up to disincentive anyone attempting to get a refund of money that they are owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Fair Credit Reporting Act 15 U.S.C & 1681 et seq national Credit System Account Number ( XXXX ) violated privacy by reporting information containing files information is also inaccurate. 

Company : Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Phone : XXXX - XXXX Note : Please beware of this company consumer Report
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX Balance : {$3200.00} SXXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

I have disputed reports for XXXX Capital One cards as well as a XXXX XXXX XXXX XXXX as I have never owned a Capital One Card and the XXXX XXXXXXXX XXXX XXXX has been paid in full. On XX/XX/XXXX, the capital one card was written as a charge off. I disputed both Capital One cards on XX/XX/XXXX, to which the credit line showed as delinquent and past due in XXXX of XXXX. Furthermore, I disputed both cards in XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX, to which experian informed me each time that the results were complete and remained the same. Any Capital One card that appears in my name was open fraudulently as I have never authorized for a Capital one card nor have I ever been interested in one. The XXXX XXXX bank card has been paid but shows as delinquent, to which this has caused my XXXX score to plummet significantly.
Product: Credit reporting or other personal consumer reports

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

These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Ditech sold my mortgage to XXXX as of XXXX XXXX. They told me that all payments go to XXXX, now they have put on my credit that I still owe them a payment of XXXX for XXXX. XXXX XXXX, XXXX I sent XXXX XXXX for XXXX, XXXX and XXXX payments. Ditech sent XXXX XXXX to my account for overpayment. Now Ditech says I owe them XXXX payment and it shows up on my credit report that I am a month behind. I called Ditech and they are insisting that I make the payment to take this off my credit report, XXXX says that I am up to date on my payments. Attached are my payments and dates for both companies, look carefully at Ditech XXXX XXXX, XXXX the interest for that month is twice what it is suppose to be for a total of XXXX, when I questioned they told me that was what I owed. But I paid XXXX and they put payment of XXXX, try to figure this one out. I would like to have this cleared and my credit cleared up ... ... .notice that I paid more then the required payment.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX