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

After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. Student loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.
Product: Credit reporting or other personal consumer reports

I believe there are fraud alerts on my credit reports with XXXX, Equifax and XXXX XXXX respectfully. At this time I request that all credit bureaus remove these fraud alerts from each credit report. I am also requesting my free annual credit report from XXXX, Equifax and XXXX XXXX at this time to be mailed to my home address. My drivers license is attached. Thank you. XXXX XXXX
Product: Debt collection

Took me to court out of district to collect debt after case was closed even tried to settle debt then they started coming up with different balances not the amount of original debt owed or current debt owed
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the XXXX for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!
Product: Mortgage

I, XXXX XXXX, acting as Power of Attorney for XXXX XXXX, am submitting this complaint on our behalf. My brother, XXXX, took out this mortgage, but I am the co-owner of this property and I am listed on the deed. I have lived in this home since it was purchased by XXXX for me and I also have a Power of Attorney signed by my brother that authorizes me to transact any business related to this property. I have enclosed a copy of that Power of Attorney to this complaint. I have made all the mortgage payments on this property, but began struggling to make my monthly mortgage payment since XX/XX/XXXX when the mortgage payment went from $ XXXX/month to approximately $ XXXX/month. I have been communicating with the servicer and applying for a loan modification since that time. I have submitted applications and supporting documents for 3 years now with no result. Recently, in early XXXX, I submitted what I believed to be a complete loan modification application to XXXX XXXX and I was awaiting the results when my loan was transferred to XXXX XXXX XXXX around XX/XX/XXXX. On XX/XX/XXXX, after my loan was transferred to XXXX, I received a solicitation from XXXX that my loan is qualified to apply for the " Mortgage Freedom '' program. The solicitation said the program did not require a paper application or any supporting documents. Since that time until the present, me and my HUD approved housing counselor have attempted to contact XXXX to discuss the Mortgage Freedom program. Unfortunately, we have received no response from my Single Point of Contact at XXXX, XXXX XXXX, nor any other representative from XXXX. We have left numerous voice messages that have gone unanswered. My home is currently in foreclosure and a sale date may be set soon. I need help now!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a copy of my Employment Data Report from The Work Number ( Equifax company ). I found out that someone in the Human Resources department of XXXX XXXX Hospital, my previous employer, pulled my employment record on XX/XX/XXXX. I did not give anyone permission during that time to pull my employment record, and I did not complete an Authorization to Verify form. 

On XX/XX/XXXX, I contacted The Work Number and asked why my employment record was given to XXXX XXXX Hospital. They said that I would have to file a dispute. I filed a dispute that day ( ticket # XXXX ). I also sent an email to XXXX XXXX, Director of Human Resources at XXXX XXXX XXXX ( and cc 'd XXXX XXXX, the Vice President ) requesting information as to why my record was pulled by her department. She wrote back that same day but said she doesn't give out information. She misunderstood or did not read my email properly. I reply by reiterating my question. She never responded. I sent an email on XX/XX/XXXX, and on XX/XX/XXXX, asking her to please look into the matter and give me a status update as to who pulled my report and for what reason. To date, I haven't gotten a response. 

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to The Work Number to get a status update on my dispute. I received no help and was only told to wait. 

XX/XX/XXXX, I received a letter from The Work Number not addressing my concern, but just stating that XXXX XXXX requested my employment record on XX/XX/XXXX, for Employment purposes. 

The Work Number gave my employment record to XXXX XXXX without written consent.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Experian for their failure to remove an inaccurate bankruptcy entry from my credit report, despite my previous dispute and supporting documentation. This unresolved issue continues to harm my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I submitted a dispute to Experian regarding a bankruptcy that appears on my credit report. Along with my dispute, I included confirmation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which clearly states that the court does not report bankruptcy filings to any credit reporting agencies, including Experian. This demonstrates that Experian has relied on unverifiable or inaccurate information in reporting the bankruptcy. 

However, despite their obligation under the FCRA to conduct a reasonable investigation, Experian failed to remove the bankruptcy. They have also not provided me with any documentation or credible verification to prove the accuracy of this entry. 

Experians failure to properly investigate and verify this bankruptcy entry violates the FCRA, which requires credit reporting agencies to ensure maximum possible accuracy. If Experian can not validate this bankruptcy directly through the bankruptcy court, the law mandates that they remove it from my credit report. 

The continued presence of this inaccurate bankruptcy negatively impacts my credit score, financial reputation, and ability to access credit.

I respectfully request that the CFPB take action to ensure Experian complies with the FCRA and addresses my concerns. Specifically, I ask that Experian : Conduct a thorough reinvestigation of my dispute regarding the bankruptcy reporting. 
Remove the bankruptcy entry unless they can provide valid, court-certified documentation that verifies the information. 
Provide me with written confirmation of the resolution and an updated credit report once the bankruptcy is removed. 

Supporting Documentation I have attached : A copy of the original dispute I sent to Experian. 
Confirmation from the UNITED STATES BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXX stating that they do not report bankruptcies to credit bureaus. 

The presence of this unverifiable bankruptcy on my credit report is damaging my financial reputation and creating unnecessary barriers to credit access. Credit reporting agencies like Experian must be held accountable for ensuring that only accurate and verifiable information is reported, as required by law. 

I trust the CFPB will address this matter promptly and ensure Experian fulfills its legal obligations. Please let me know if additional information is required to assist with your investigation. 

Thank you for your time and attention. 

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

I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. SO, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for these fraud inquires to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CITIBANK NA XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX CO - XXXX CO - XXXX XXXX XXXX XXXX ND XXXX XXXX ND XXXX XXXX ND XXXX - ND XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY XXXX XXXX Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

The following companies are reporting old accounts that were included in my XXXX XXXX bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. TransUnion, XXXX, and XXXX refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

TD Auto, I am demanding proof of the first delinquency being the date you have provided in XXXX. The first delinquency is BEYOND the statutes of limitations. 

SEND PROOF OF WHAT YOU STATE. I do not believe this is accurate whatsoever.
Product: Vehicle loan or lease

I've had an overdue balance, everytime I go to pay, it says it's unable to process my request, back when I owed XXXX. I called and still was unable to process request on top of saying there were no operators available. My balance went up to XXXX, I tried paying it again, can not process request. I tried calling again could not process request and got sent to voicemail. Now I'm over due by XXXX my car was repossessed, I have no clue where the vehicle was taken, or who took it, I'm still unable to pay my vehicle, and I got sent to another voicemail. I've made attempts to pay my owed money, and it's been extremely difficult to reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, in review of my credit report, I obtained my credit report and noticed four hard inquiries I did not authorize or initiate. I tried calling TransUnion several times to get these removed and there was no resolution. As a result, I filled 4 separate claims with the FEDERAL TRADE COMMISSION which I will attach to this compliant as well as my passport as proof of identification. 

1. XXXX 2. XXXX XXXX XXXX. XXXX XXXX  4. XXXX XXXX XXXX ( Finance )
Product: Mortgage

I am selling my house. I applied for assistance under the HAMP Govt assistance program. Nationstar ( d/b/a ) Mr. Cooper accepted my application through NACA. One of the companies hired by the Govt to  calculate the numbers and provide details of the program. Mr. Cooper transferred {$260000.00} from XXXX XXXX XXXX which was the unpaid principal balance of the account. I was less than {$18000.00} in arrears at the time. Mr. Cooper recorded {$280000.00}. I assumed without explanation this was the amount in arrears. They then added another {$18000.00} to my account. which is now {$290000.00}. they then added {$100000.00} to the account. I brought this to the attention of the coordinator, she said that the {$100000.00} was because I had a bankruptcy filing and that was a Lender Paid Expense. I tried to explain that I have never had a Bankruptcy filing in my life. She said that if there an error in reporting it would be corrected and I should sign the agreement as this project had a deadline. so I signed it. under the guidelines of the HAMP program the {$100000.00} should have been subtracted from the transferred amount of {$260000.00} and the difference of {$150000.00} should have been the amount that my payments were based on. they did not subtract it but added to the current UPB of {$260000.00} as payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my Equifax credit report and found inaccurate information that I wanted to dispute. I called the company that is filing the correct information and started getting things covered on that end and they're trying to take care of it, but I also wanted to submit a dispute with the credit reporting agency to make them aware from my end as well. However, they direct you to the website - https : //www.ai.equifax.com/ - to submit a report. This website does not load, just states " please wait for website to load '' and after 15 minutes in XXXX XXXX, XXXX, or XXXX, it did not load. There is no other way given to report a dispute. When a credit report can affect your ability to get a job, a place to live, or basically any aspect of life not being able to correct inaccuracies can have a devastating effect on people 's lives. I would like to report equifax for this issue, as well as would like to be contacted with another way to file the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to XXXX XXXX  of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called XXXX XXXX  on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for non-XXXX XXXX transactions. 

I filed a complaint with the XXXX  and XXXX responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing XXXXXXXX XXXX  error and want this resolved immediately.
Product: Checking or savings account

I XXXX  Up last year and ran low on Money, Wells Fargo hammered Me with Overdraft Fees. They've begun again, While they are refusing some transactions over {$35.00}, they are allowing small transactions under {$20.00} or less, then hitting Me with a {$35.00} Overdraft Fee, Strictly For Profit, at My Expense. They've hit me for {$100.00} in the last few days. Help!