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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative processing ( File XXXX against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

Collection Agency XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX  Collection Agency XXXX XXXX XXXX Acct # # # # # # # # # XXXX Original Creditor XXXX On my TransUnion Account there are discrepancies regarding my name, incorrect addresses, & the following accounts. 

Collection Agency XXXX XXXX Acct XXXX Original Creditor XXXX Collection Agency XXXX XXXX Acct XXXX Original Creditor XXXX The original creditor is not listed on the following accounts, but they are collecting on a debt that I am Unaware of. 

Collection Agency XXXX XXXX Bank Acct XXXX Collection Agency Tab/ Sunbit Acct XXXX On my Experian Account there are discrepancies regarding my name, incorrect addresses. The following accounts do not provide an account number. 

Collection Agency XXXX XXXX XXXX Original Creditor XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : XXXX [ XXXX [ XX/XX/XXXX ] [ XXXX XXXX  [ XX/XX/XXXX ] Experian. [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX ] [ XXXX CO XXXX XXXX XX/XX/XXXX ] I did not apply for credit with these companies, nor did I provide consent for these inquiries. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be recorded with my explicit authorization. If these inquiries were made in error or without my permission, I request that they be removed from my credit report immediately. 

Please investigate this matter and provide me with written confirmation of the removal or any documentation showing I authorized these inquiries. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe outlined by the FCRA. If you need any additional information, please contact me at [ XXXX ] or [ XXXX ].
Product: Debt collection

I received a credit report alert that my credit had changed. A debt of XXXX was added to collections on my credit. The originator was XXXX XXXX and the collector was sequium. So, I call sequium immediately. I was told that the collections was for services rendered from XX/XX/XXXX. I asked what services and what charges. She told me she didnt know. I asked her repeatedly the same question and how am I supposed to pay a debt I dont know what its for. Oddly enough XX/XX/XXXX is when I started services with XXXX. I still have that same line and services and have made XXXX changes to my account. I looked at every bill from XX/XX/XXXX to XXXX and found nothing. I was actually calling them from the account erroneously sent to collections and explained this to her. She claimed all I can do is dispute it but still owed the debt. 

I called XXXX and spoke to three different departments. Not a single representative can find any charges to my account that would be sent to collections and my account was current and there is nothing on my account for {$990.00}. I even spoke with XXXX internal collections and there is nothing on my account. 

XXXX said they cant do anything and I can file a dispute with the credit company. 

So, in short, my credit has taken a major hit for a bill I never owed and not even XXXX can find.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian letting them know that the collection on my is not mine. I have never done business with this company. Experian closed the dispute stating that the information would remain on my correct report. I need to know who or where a loan was opened up in my name but Experian will not provide the information they received from the company. Each time I reach out to the check cashing company I do not receive an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Experian several times and have been ignored. We voluntarily surrendered this boat that XXXX took possession of in XX/XX/XXXX. Now In XX/XX/XXXX on my credit report it shows that XXXX have repossessed this boat again. This has negatively affected me getting credit. I am only having this issue with Experian.
Product: Credit reporting or other personal consumer reports

Subject : Formal Response to Equifax 's Noncompliance with U.S. Codes and CFPB Guidelines. 
Equifax Dispute Department, I am writing in response to your inadequate and dismissive handling of my complaint submitted through the CFPB Complaint Portal. Your response regarding the tradeline from XXXX XXXX XXXX demonstrates a clear disregard for your obligations under federal law, including the Fair Credit Reporting Act ( FCRA ) and guidelines established by the Consumer Financial Protection Bureau ( CFPB ). Your vague assertion that Equifax is either currently processing that dispute or has recently provided results is not only insufficient but also a blatant violation of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a dispute is submitted. By failing to provide transparency in your investigation process and evidence supporting the disputed tradeline, you are in clear noncompliance with the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 2 ) you are required to notify the furnisher of disputed information promptly and provide them with all relevant information regarding the dispute. Your failure to ensure the completeness and accuracy of the investigation violates this provision. Additionally, if the information can not be verified, it must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) Your approach is disrespectful not only to me as a consumer but also to the regulatory framework established by the CFPB, which emphasizes the importance of fair and accurate reporting practices. The continued presence of inaccurate information in my credit file and your vague responses highlight systemic noncompliance with federal law and CFPB guidelines.

I demand the following actions : 1. A **detailed explanation** of the investigation process you conducted regarding this specific tradeline.

2. **Full disclosure of all evidence and correspondence** from XXXX XXXX XXXX used to substantiate their claim.

3. Immediate deletion of unverifiable or inaccurate information, as required by **15 U.S.C. 1681i ( a ) ( 5 ) **.

4. A mailed copy of my **updated credit report** showing all corrections made.

Failure to meet these obligations will result in additional regulatory complaints and legal action. Under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, you are liable for both willful and negligent noncompliance with the FCRA , including statutory damages, actual damages, and attorney fees.

I expect a comprehensive response and resolution within 15 days. Any further evasion or noncompliance will be reported to the CFPB and other regulatory agencies for review and enforcement action. 
XXXX XXXX social Security number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, one year after it was revealed that Experian was giving access to individual credit freeze PINs to *ANYONE* who could provide a social security number as well as answer security questions with information that is EASILY obtained through public records. The original security blog is provided here for reference ( XXXX XXXX XXXX ) demonstrating as such, I found out today that all 3 credit bureaus are STILL making this PIN available to anyone who can provide the proper information to obtain it. 

I will remind you, that this PIN is NOT supposed to be known by the credit bureaus at all. Them being able to find it defeats the entire purpose of a credit freeze. Only the owner of the data ( me ) is supposed to be able to unlock it. In essence, my, and millions of other Americans ' credit files ARE NOT LOCKED if anyone can obtain the unlock PIN using simple information and a SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing. The record I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

i am trying to refinance the existing mortgage and the current loan holder is not providing me witht then ninformation i am requesting. i submitted the request and they are telling me it will take 30 days to reecive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my account to second round and both companies are showing that I owe for XXXX accounts. XXXX can not resolve the issue.
Product: Credit card or prepaid card

I have a XXXX with Synchrony Bank. My credit card had reached my limit which was {$2000.00}. I started to work a part time job to save up money to pay this credit card down. I saved up XXXX to pay on this balance. On or about XX/XX/2019, I made a XXXX payment. I have a good paying history with them and my credit report has a XXXX payment history. 

On or about XX/XX/2019, I phoned the automatic phone line to obtain my balance. I was told that it was {$1100.00} and had {$41.00} left to spend. After me working hard to try and get the balance down to 50 %, Synchrony Bank waited until I made a {$1000.00} payment and dropped my credit limit to {$1200.00}. That was wrong. I feel like they just took my money. When I paid them XXXX, it dropped my utilization to around 50 %. Since they lowered my credit limit, my credit score dropped 15 points and I now have a 97 % utilization which lowered my credit score. 

They told me SORRY. Is this a fair way to treat a consumer? Absolutely Not. I feel they should put my credit limit back to XXXX and raise my 15 points back on my credit score.
Product: Debt collection

I have received an automated phone call from XXXX. The automated message identifies themselves as Lendgreen. This company has been leaving automated messages for every day for more than a year, sometimes several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiry on my credit report
Product: Credit reporting or other personal consumer reports

I want to remove theses inquiries of my credit report from TransUnion since I did not authorized. 

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: Mortgage

I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 09X ) stating that Vanderbilt Mortgage stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the mobile home nor the amount that they sold it for. The amount I owe should be less whatever they sold the home for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. I know my rights have been violated because the FCRA states that they should report the information accurately and to report inaccurate information is a violation of my consumer rights and I can hold them accountable in civil court per the Florida Rules of Civil procedure Rule # 1.130. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately twenty working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that should have already been resolved. Please govern yourselves accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After visiting with the representative of Freedom Debt Relief ( FDR ), I signed a contract for services with an anticipation of cost based upon XXXX  % of enrolled debt with an anticipated payoff of 48 months. As my obligation was to have been done as of XXXX of XXXX I made plans to begin cutting back on work hours accordingly. Imagine my surprise when I became aware of their extension of this program for another 16 months at the same monthly rate of {$780.00}, meaning an additional cost of {$12000.00}. This changes the cost of services to represent well over XXXX  % of enrolled debt. As they clearly state on the front page of the contract, " clients who make all their monthly program deposits pay approx. XXXX  % of their enrolled balance before fees, or XXXX  % including fees ( fees may vary ) over 24 to 48 months. '' This is how it had been presented to me and this was built us as my expected result. I was, and continue to be aware of this being an estimation, and know that things can change, but the representation that FDR was going to take care of this for me established in my mind that risk and worry were no longer on my side, but rested with them. This unfortunately extends my need to stay fully employed and extends the time that our credit issues affect our credit report. I have spoken with a representative of FDR a couple of times, but with little concession on their part. I believe this stems from a misrepresentation of expectations and desire to resolve it soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : **Complaint Regarding Refusal to Issue XXXX Form for Account with XXXX Dear XXXX, I am writing to file a formal complaint regarding the actions of XXXX concerning an account I had with them. The issue centers around their refusal to provide me with a XXXX form, despite the account being marked as a change-off on my credit report. 

# # # Summary of the XXXX : - **Account Name/Number : ** XXXX - XXXX the account was marked as change-off : ** 2023 - **Amount of debt involved : ** {$11000.00} I understand that when a debt is forgiven or written off, I should receive a XXXX form if the amount is over {$600.00}. However, despite my repeated requests, XXXX has informed me that they will not issue a XXXX form because they claim the debt is still owed. I believe this is incorrect, as the account was marked as a change-off, which typically indicates that the debt was written off by the creditor. 

# # # My Actions and Concerns : - I have reached out to XXXX [ insert number of times ] to request the XXXX form, but they continue to deny my request, stating that the debt remains outstanding. 
- The account shows as a " change-off '' on my credit report, which, to my understanding, should reflect the cancellation of the debt. 
- I have not received any clarification or evidence from XXXX to show why they still consider the debt owed or why the XXXX has not been issued. 

I am concerned that XXXX XXXX not be complying with regulations surrounding the cancellation of debt and the issuance of tax forms. The refusal to provide the XXXX XXXX also affect my tax filings for the relevant year. 

# # # Requested XXXX : - I request that the CFPB investigate this matter and ensure that XXXX either issues the appropriate XXXX form or provides clear documentation explaining why the debt is still considered owed. 
- I also request that XXXX update my credit report if the debt has indeed been XXXX or resolved. 

Please find attached any relevant documents, including communications with XXXX, copies of my credit report, and any other supporting materials. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

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

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( XXXX, XXXX XXXX XXXX ) there was a new inaccurate 120 late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new 120 late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
Product: Payday loan, title loan, or personal loan

I called XXXX XXXX XXXX XXXX. In XXXX ma.We were doing a ac upgrade and some electrical upgrades. The Financial institution that this company uses is greensky.The loan amount was in the range of XXXX, some were in that ball park. The loan was going to be in my name and my husband as well. My credit score is in the fair category, XXXX, XXXX, somewhere in that range. My husbands is XXXX. We were going to put down XXXX which is half of the loan amount and finance the rest With this we got denied. I understand that my credit report has issues, but my husband does not, they advertise that a credit score of as was told to me XXXX, the website says XXXX, I may have not qualified but I dont understand what the problem was with my husband. No reason was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX account # XXXX is appearing as a collection. This account is no longer in collection, it has been settled as it says so on the attached credit report. <P/>Please delete the file. <P/>Thank You.