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

Subject : Dispute of Incorrect Addresses on Experian Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report as provided by Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to request an investigation into any information on my credit report that I believe to be incomplete, inaccurate, or unverifiable. 

Upon reviewing my credit report, I noticed that the following addresses listed are incorrect and do not belong to me : XXXX. XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. XXXX XXXX XXXX, XXXX NJ XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX NJ XXXX These addresses are not associated with me, and I have never resided at or used them. The inclusion of these incorrect addresses may lead to confusion or potential errors in my credit profile, which could negatively impact my ability to obtain credit or other financial services. 

I request that Experian promptly investigate this matter and remove the incorrect addresses from my credit report. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made. Additionally, I request an updated copy of my credit report reflecting these changes. 

If you require any additional information or documentation to assist with your investigation, please contact me at the address, email, or phone number provided above. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or correct it. 

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


Enclosures : - Copy of my government-issued ID ( e.g., drivers license or passport ) - Copy of a utility bill or other proof of my current address- Copy of my Experian credit report with the incorrect addresses highlighted
Product: Debt collection

I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission. I have sent numerous letters to your company requesting that you investigate the list of inquiries reporting on my credit report, which I believe are inaccurate. Your failure to respond is in violation of the Fair Credit Reporting Act and will not be tolerated. In case you are willing to settle this matter amicably, I will list the inquiries in question once again, so you can do your job as per the FCRA guidelines. Please investigate the following inquiries : 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. I have tried contacting these companies on my own, but I have not received any response. I even tried reaching them using the phone numbers provided on my credit report, but half of them are incorrect. The companies that I could get in touch with have no record of me.
Product: Student loan

On XX/XX/22 I requested a refund from MOHELA on all payments made during the COVID payment pause. The total amount owed was originally {$1500.00}. After weeks of conflicting customer service information and misleading timelines I filed a CFPB complaint ( case number XXXX ). In XXXX a refund for {$260.00} was received ( and added to my balance ) however customer service representatives were unable to explain why I had not received my full refund. MOHELAs CFPB response did not address this difference despite it being outlined in my original request. Attached is a record of payments made during XXXX to XXXX, my original servicer.
Product: Credit card

It started when my wife, XXXX and I took a trip to XXXX. We had used our XXXX XXXX XXXX credit card at the XXXX XXXX XXXX to check in an extra bag. I can't quite recall what I did to my credit card because we were rushing to our flight. When we got to XXXX, Washington, my mother used her XXXX Credit card and covered my expenses. My wife and I covered tip and used cash when paying for small stuff. We were there for about 4 days. When we got back, we needed to grab gas and decided to stop at a XXXX gas station and when we went to pay, I couldn't find the XXXX credit card. We ended up having to go inside to pay with a {$20.00} and rushed home. The following morning we logged into our chase account to lock the card and noticed so many transactions on the card. We immediately reported it and had someone help us dispute the charges for a lost/stolen card. We told the person helping us all the transactions that were not us, we were able to determine that they started from XX/XX/XXXX, XXXX XX/XX/year> and they didn't tell us the total amount that was used. They had sent us a new card about a week later. 2 months later the charges were put back on the new credit card. They requested documents supporting our claims and all we have is a statement of my mom 's credit card that was used to pay. They told us to send it to XXXX, which we did on XX/XX/year>. They then told us that they sent our information to the appropriate department for further review which would take about 5 business days. As of XX/XX/year> they sent us an email stating that they closed all of our credit card accounts. We don't know how to go about providing any other information. We had lost our credit card and didn't even realize it until we got back and it was too late. We didn't make those transactions on that credit card and we are getting blamed for them.
Product: Debt collection

I was not aware of any debt and was not contacted by anyone before the company I was renting from put a debt ( that has never been itemized ) in collections. I have still never received an itemized statement or why I owe the company any money.
Product: Credit reporting or other personal consumer reports

These inquiries ware fraudulent : XXXX XXXX XXXX XXXX RESIDENT 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

I am writing to formally dispute several accounts on my credit report, as I have recently discovered that I am a victim of identity theft. The following accounts were opened without my authorization and are damaging my credit score at a critical time. These fraudulent accounts are not mine, and I request that they be removed from my credit report immediately. 

The accounts in question are : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( TransUnion and XXXX ) XXXX Account Number : XXXX ( TransUnion and XXXX ) XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX LL Account Number : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; the following has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX JPMCB # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX # XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected discrepancies. Hoping it was just a system error, I refreshed my browser, but the inaccuracies remained. Due to this issue, I request a thorough review of the documents I have submitted so I can put this matter behind me for good.
Product: Mortgage

I closed on my home for a refinance with Title Company Title365 on XX/XX/XXXX, for a property in MD. In the closing, an amount of {$1500.00} was collected for the XX/XX/XXXX payment of XXXX XXXX property taxes. 

These taxes were never paid. I received a Real Property Tax Levy Delinquent Notice from XXXX XXXX on XX/XX/XXXX. Since then, both the mortgage lender and I have been trying to contact Title365 to get proof of payment. They have never answered their calls for me for the last three months nor the lender and finally, the lender took the money from my loan escrow account to pay the taxes ( double paid ). I request an immediate refund of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit Bureaus Are in violation. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My account was furnished which is against the law. No one had my written consent. 

This company listed below is reporting inaccurate on all Transunion XXXX and XXXX for example the late payments are reporting inaccurate. I have challenged this issue once before and it came back verified. Please reinvestigate this issue or I will press charges. 

This has damaged my reputation and my civil liability. 

Understand that it is {$1000.00} for every violation. 


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 XX/XX/XXXX Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Also 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

All three bureaus should be reporting the same accurate information, which in this case are not. Please delete these accounts.
Product: Credit reporting

The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to Experian 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that Experian has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from Experian regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. Experian 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that Experian promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that Experian complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 
Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold Experian accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased a XXXX XXXX set for {$1000.00} back in XXXX 2020. Due to COVID, there was a delay in shipping and the ring was not shipped until XX/XX/2020. I immediately returned the bridal set back to the company within a week of receiving it and they confirmed that the ring was back in their possession. Now the credit card company is not honoring the return that the company has already confirmed to them on several occasions. I have disputed this directly with the company on multiple occasions with no true resolution although I have provided all the proof of the return on my end and the jewelers end. I continue to be charged for an item I no longer have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my XXXX credit report against XXXX Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that XXXX incorrectly reported the past-due amount and changed the XXXX XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that XXXX stated that the amount is past due, how can XX/XX/XXXX  payment be past due and it was reported past due in the same month ). XXXX is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial made an unauthorized inquiry on my XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXXXXXX XXXX XXXX     All show inquiries that I did authorize nor solicit. Under fcra please remove immediately
Product: Credit card or prepaid card

I was issued this card when I was working for the XXXX XXXX XXXX. 
The company that issued it was ADP. 
When I quit I figured I'd just keep the card and use it to as a prepaid card. 

When I was using it, I hardly ever loaded cash onto it. 

Not until Unemployment was available differently I start to receive deposits. 
Then the whole website changed. 
I remember it was spelled XXXX. Then it changed to XXXX. 

I tried closing this account and was told by the CSR that I spoke to that I COULD NOT CLOSE THE ACCOUNT. 
I was also told that there were 3 other card numbers listed on my account. 

I asked for statements first all 3 card accounts and was told that was not possible.
Product: Student loan

I applied for SAVE repayment in XXXX. I was not able to get into the program before the courts blocked it. Thus, Mohela has placed me in 2 month blocks of admin forbearance as they try to figure it out. I am not supposed to have interest accrue during this time. However, my Mohela account shows that I am. No one can tell me why or how this will be fixed. I also have just been notified I am late for a payment on XXXX XXXX though I called on roughly XX/XX/08 to be placed in another 2 month forbearance. I shouldn't have to call every two months to be in a forbearance. I also shouldn't have a late payment while in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are claiming the disputes are not being disputed by me XXXX XXXX and they 'believe ' the disputes are being submitted by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not mine, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to give me clarification as to why they are reporting certain information on my credit report. 
Please review the following. 
Inquiries : 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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I see 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be reinvestigated and correct : 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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXX AND EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Checking or savings account

On XX/XX/year> I went into my BMO branch bank to cash my check, I was advised by the bank teller that the check couldnt be cashed today but funds would be available on the XXXX, so I proceeded with the deposit process, the next day my funds didnt transfer to my account, so I waited until XX/XX/year> still no funds, so I called and thats when they told me that my check was held up by the fraud department and wont be available until the XXXX  business day, I asked for a reason for the fraud dept. hold and they said it was CONFIDENTIAL, so today is XX/XX/year> I checked my account again its the XXXX business day, thats whats stated on the letter BMO sent me days after the fact, so I called them and now theyre saying funds will be available either on XX/XX/year> or possibly XX/XX/year> due to processing which is not noted in the letter, I have rent and bills that I need to pay and I am accumulating late fees because of this, theres absolutely nothing fraudulent with my check it a legitimate check so my BMO couldnt just confirm that it was in good standings by simply making a phone call.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX {$0.00}