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

Experian has failed to fulfill its legal obligation under the Fair Credit Rights Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolves. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To whom it may concern. 1 ) 15 USC 1681 ( 2 ) ( a ) ( i ) state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer reports '' 2 ) I am requesting your assistance in investigating and correcting this information. The account is reporting late payments on my report but account is paid off and has never been late. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau.

Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Remove this account immediately. Account ( XXXX XXXX XXXX XXXX )
Product: Debt collection

I received a call from XXXX XXXX solutions, and I asked them to mail me any documents regarding the call. The person on the phone, XXXX XXXX, began to yell and said that they would not be mailing anything out. She hung up on me, and when I called back she still was very rude and yelling. She threatened to disconnect the call if I didnt agree to pay today. I asked her to verify the mailing address that was on file, and she refused. She stated that they would not be mailing anything out because it would take too long. She said I had to pay the debt today or else she would just notate that I refused to pay. The day prior she called a family member regarding the matter, and she also left a voicemail on my phone stating that she would not be contacting me anymore and ended the voicemail by saying if i dont hear back from you, then good luck. Calling and demanding money and hanging up on a customer and also threatening me was very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

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

I have been dealing with Equifax for a long time. First it was a bankruptcy that was reported On my credit report that was not mines it actually belonged to my father. Now that was resolved. Im in the middle of trying to purchase a home for my family and now Equifax is reporting a alert on my file that its blocking due a dmv or police report. Not sure why this alert is there as I have never report identity left report to police or dmv. When I call Equifax states that we have no freezes or alerts but when I got dispute this alert it does not allow me to dispute this. My lender is not able to pull my report with equifax and we have already lost our home that we have built due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX, almost every account ( except one ) on my credit report put account status closed, XXXX balance, included in bankruptcy. The collection company was included in the bankruptcy and shows account included in bankruptcy, but shows on my report as account OPEN and the Balance of XXXX ... the collection company has been called in XX/XX/XXXX and XX/XX/XXXX. I also contacted Transunion in XX/XX/XXXX and XX/XX/XXXX of this year through calls placed through the XXXX number and disputed through XXXX XXXX and Transunion but nothing has been done to change the status to Account closed and Account type Collection and Date closed : to a XX/XX/XXXX date which should be XX/XX/XXXX or XX/XX/XXXX. All my disputes were denied and here I must mention I also disputed in XX/XX/XXXX ... As I have done what I could. I pray you can help. 


Thank you,
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : ads comenity point srw XXXX Equifax : ads comenity point srw XXXX XXXX, ads comenity point srw XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account was opened in my name I did not authorize this account. I have disputed this account with experian and with XXXX with no help from neither
Product: Mortgage

Taxes for the mortgage loan was paid XX/XX/year>. Although the tax department added on unpaid taxes, a copy of the check and payment receipts were sent to Mr. Cooper. As of today, XX/XX/year> this company has not made any attempts to rectify the problem, however, I have gotten a call to pay a mortgage of over XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EQUIFAX ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. 
- Date of Original Dispute : XX/XX/year> I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau. 
This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. 
Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Experian and XXXX have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

On XXXX XXXX, 2016, I went into a Macy 's store to pay a bill. I provided a {$300.00} check, which my bank honored on XXXX XXXX, XXXX to my dismay, my payment was credited to the account of another Macy 's customer. After receiving my monthly statement and realizing that my payment was not applied to my account, I faxed to Macy 's a copy of my check, with my account number, and the receipt that showed that the payment was mis-applied. In addition, Macy 's charged my account a late fee of {$27.00} on XXXX XXXX, 2016. I have contacted Macy 's on 2 separate occasions asking that they correct my account to no avail. I have also asked that any negative information reported to crdeit rating agencies be similarly corrected. Please help, as their customer service is horrible.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the XXXX XXXX reporting XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO XXXX : XXXX. XXXX  XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.
Product: Payday loan

I received a loan for XXXX originally applied for XXXX and only took XXXX I got charged for the money I never picked up I paid XXXX on my first installment and I still owe XXXX. The interest is a rip off how can I get the amount paid if the interest does n't go down with a smaller amount due. I do n't get payday loans for this reason easy to get into hard to get out of!!!
Product: Mortgage

I called in on XXXX as instructed to schedule my Auto draft for XXXX payment as my forbarence was ending on XXXX. The rep at Shellpoint mortgage refused to except my conforming payment for the XXXX month as it needed 30 days to start the auto draft and instructed me to make the XXXX payment online. I did. I recieved a form letter confirming my payment was made and auto draft was in place with the wording If you wish to cancel THIS AUTOMATIC DRAFT SERVICE This confirmed my, based on the English language, that there was an auto draft payment plan in place. The XXXX payment wasnt drafted and when I returned to my primary residence on XXXX, I opened a delinquent letter for both of my mortgages that I have with Shellpoint, this calling immediately to make my payment for XXXX and XXXX and also being instructed now to set up auto payment online as they do not have the ability to do so for me. They would not remove the lates on record, but removed the late fees without asking as they said the letter was misleading. I also called in XXXX to verify the auto payment was set up. Additionally, I asked the rep to sign me up for email statements as I was having my mail forwarded to my up north residence and was not getting my mail. Documented with the post office. They took down my email and said no problem. What they did was take down the wrong email address. I never received a XXXX or XXXX statement that would have should me the XXXX bill was due on both mortgages. When I verified my email, I found out they wrote the number 4 instead of for on my email address of XXXX. They said they corrected it. I called back on XX/XX/XXXX to verify as I still have not received a statement and they said they recorded it wrong again, this time with a four and again said they corrected it. I called back and they finally said it was correct, however they do not email statements, that electronic statements only means that you ca go online to their website and view your statement, however a notice not statement will not be sent when the new statement is ready. News to me. Also, they said the text msg alert that I set up doesnt alert me of a late payment. I feel they made my transition from Covid cares forbearance to making my payments very confusing, to the point that a responsible effort would be difficult to understand their process. I have never been late on anything is close to 30 years of credit history. This is very damaging and a manager will not even speak to me. I have filed 2 complaints, they have not responded with any mail nor email regarding my outcome. They said it was online and I can find the answer in the portal. This is inconsistent with federal requirements regarding refusal to accept payment with an error complaint of a mortgage serviced.
Product: Credit card or prepaid card

i called Wells Fargo to report fraud on my credit card that while talking to them, {$5000.00} was transferred into my checking from my credit card. i spoke to wells fargo to cancel my credit card which was done but the {$5000.00} was not returned to the credit card company and i was told it couldn't be returned because the account had been closed. they should have returned the money to the credit prior to closing the account. instead they issued a 2nd credit card without me requesting this card. i stated that i didn't want another credit card and they still opened a 2nd card allowing a 2nd {$5000.00} to be drawn on this card that i never requested. additionally there were two {$250.00} fees charged by the bank for transactions i never made nor requested. 
additionally credit cards when issued are mailed within 7-14 days and no credit card was ever mailed or received by me. however when i went online a 2nd credit card was attached to my account.i called again to the credit card company and told them again this card was never requested. i was transferred back and forth to 6 different people over XXXX hours with no resolution. 
i believe this is an internal fraud scam within wells fargo and after 10 hours of phone calls with wells fargo nothing has been resolved. i only get written letters saying there was no evidence of fraud yet the {$5000.00} in my account and i will be charged interest and mental stress because of Wells Fargo 's inability to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ) 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. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that LVNVFUNDG is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). And they are reporting this as an open account, but they are a collection agency and I never made any agreement or contract with them. They are in violation in more than one area and need to be stopped.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX/DOFED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened in my name for Bloomingdales credit card. I have no affiliation with this company. I received a bill with this company and contacted them but they said I would need to handle it through this website because the person that opened in my name has all my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to Midwest recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and XXXX. To date the debt has not been validated but still remains on my XXXX and XXXX credit report. Ive sent a second dispute letter and XXXX  was the only agency to remove the debt because it couldnt be validated. Midwest has not responded to three request to validate and XXXX  and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
Product: Mortgage

I filed a complaint against Select Portfolio Servicing a few months ago. As a result of this complaint SPS agreed to work with me and to allow me access to homeowner programs that they had blocked me from in the past. I have had a change in financial circumstance and am in a better position to qualify for these programs. We did as they requested and submitted a full package for review to SPS 30 days prior to our upcoming sale date. However, SPS is stating that they refuse to even look at the package because it was received less than 37 days before the scheduled sale date of XX/XX/XXXX. We feel that SPS has not been straight or forthcoming with us. We had not been given a deadline prior to the submission of the updated documents and had been told that they would work with us.

We suffered a true hardship a few years ago but have slowly rebuilt ourselves financially and have applied for help over and over with SPS.  When we finally got them to respond we were offered a repayment plan that raised our payment significantly. We dont know how they came up with these figures, or what type of financial information SPS was looking at, but there is no way that we could enter into that agreement. After months ( that dragged into years ) of attempts to get their attention we were finally able to get reviewed for assistance last summer. However, we were denied due to " not being able to create an affordable payment. '' Through repeated phone calls we found that this meant that we did not have sufficient income. We tried to get information as to exactly what type of income calculations were used and what inputs were used for this evaluation. We never received any of this information. Our property is a three-unit triplex, and we have renters in the other two units, and my husband and I live in our unit along with our XXXX grown sons. We have owned this property for 20 years. 

After the denial in XX/XX/XXXX and the failure to provide us with the income and input information we wrote SPS a letter and also contacted several regulatory agencies ( including the CFPB ). We explained that our financial circumstances had changed and that we want a new review to be conducted based our current and correct income. I am self employed in XXXX  and my business is continuing to grow. My wife has worked as a XXXX XXXX XXXX for 7 years. We receive rental income from the additional units and my XXXX adult children are starting to contribute. We have the financial means and income to afford a reasonable payment and deserve a new review. In fact, when SPS responded to us they encouraged such a review, and a new package was submitted on XX/XX/XXXX. However, their agents told us that they would not even LOOK at our package, because it was received less than 37 days before our scheduled sale date ofXX/XX/XXXX. We have been playing these games and dealing with obstruction by SPS for  far too long!