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 in my credit report. Despite my submissions, XXXX consistently responds within 24hours stating the account is accurate, without providing any evidence of a through investigation. this practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene Consumer Financial Protection ACT ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. 

Accounts include : XXXX XXXX  - Amount {$1800.00} XXXX XXXX  - Amount {$920.00} XXXX XXXX  - Amount {$1300.00} XXXX XXXX XXXX- Amount {$810.00} XXXX XXXX XXXX ( XXXX XXXX ) - Amount {$110.00} XXXX XXXX - Amount {$2100.00} XXXX XXXX XXXX XXXX - Amount {$15000.00} XXXX XXXX Amount {$2100.00} XXXX Amount {$2.00}, XXXX XXXX XXXX XXXX - Amount {$910.00} XXXX Paid/Closed XXXX XXXXXXXX Amount XXXX Amount {$21000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Payday loan, title loan, or personal loan

Hello I was looking for personal loan for some emergency debt relief and to lower my monthly interests on cards. I was pre-approved from Payoff and have submitted all the documents. They ended up rejecting my application because my XXXX XXXX expires in 14 months and loan was for 3 years. All of XXXX XXXX XXXX expires in less than 3 years and then they need to be renewed just few months before expiration. 
I will also have my visa renewed. 
If Payoff needs a permanent residency or citizenship, they should mention that in application. I was said during application that XXXX XXXX XXXX can apply for the loan. 
They are not willing to get any other documents and confirmation for stay.
Product: Debt collection

This company has continuously charged me again and again over the past several years. I have not been able to set up payments due to being without job sometimes or having to pay more important bills. I don't think it's fair to be charged over the years, I also had no idea I could dispute or I would have done this a long time ago.
Product: Consumer Loan

Went through a divorce was left to pay all bills fell behind had to move some utility 's got cut off and could n't afford to finish paying loan only had enough for rent to make sure me and my kids had a roof.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681XXXX XXXX XXXX XXXXXXXX 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 Account # XXXX Name... CREDITOR NAME/ Account # XXXX XXXX XXXX/Account # XXXX Name XXXX XXXX XXXX/Account # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX/Account XXXX XXXX Name XXXX/Account # XXXX Has violated my rights . 15 u.s.c 1681 section 602 A. 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 instruction.. 15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please start an investigation regarding these accounts as they're reporting me as late even when I'm not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting

I disputed several accounts on my Experian credit report on XXXX/XXXX/15. Ihave yet to receive a response to investigation results. Pulled creditXXXX/XXXX/15 which still shows XXXX XXXXaccount # XXXX reflecting $ XXXXbalance. This was a rental agreement and merchandise was picked up.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXX XXXX  within the required 30-day timeframe regarding a dispute I submitted. Because Equifax failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Equifax has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and Equifax has not provided verification, this disputed item is now legally required to be deleted from my credit report.

Ongoing Harm Due to Negligence Equifaxs failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX there was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX andXX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX and Transunion on the XX/XX/XXXX. They were both received on XX/XX/XXXX. I followed up with both of them and XXXX  also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX  in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.
Product: Mortgage

This is a continuation of the incompetence of Mr. Cooper servicing XXXX XXXX Mortgage. I filed a complaint and it has only gotten worse since. 
On XX/XX/XXXX, I used my XXXX bank online bill pay to pay Mr. Cooper ( services XXXX XXXX XXXX XXXX XXXX sends them a check. On XX/XX/XXXX, I checked online at Mr. Cooper, the payment had not been processed. I called Mr. Cooper and was told they had not received it : might be lost in the mail. To avoid late fees I would need to pay online through XXXX XXXX portal ( which has had several security issues ). However, I paid a XXXX time online at XXXX XXXX and cancelled my initial payment. They sent me a cancel check fee. I talked with someone and they took care of the canceled check fee but now I have a late fee! 
Here is where this continues ( after initial complant ) Got the late fee taken care of. THEN for some unkown reason... Mr. Cooper has now reapplied the late fee after removing it!
Product: Debt collection

Upon checking my consumer report. I see that your company is reporting a account on my report saying that i owe your company {$1800.00}. I have tried to deal with your company in resolving this account but i am getting a hard time. I even got told that i would be sued if i didn't pay this account. I am a victim of fraud and this company i do not owe. I also never gave your company written consent or put my signature on anything with your company. I have tried to the best of my abilities to get this solve with no effort from the company
Product: Mortgage

My Pandemic Forbearance Plan has ended and I'm unable to pay the entire amount due.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report and Experian responded stating the information was accurate. I specifically asked for the method of verification along with documentation from the original creditor verifying the debt belongs to me. 

- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting

Responding back to EQUIFAX PER THE FCRA SECTION 609 THE LAW STATES THE REPORTING AGENCY HAS TO HAVE THE CONSUMER ORIGINAL SIGN DOCUMENTS ON FILE WHEN REPORTING ADVERSE ACCOUNT INFO THAT IS WHAT I 'M ASKING FROM YOU READ THE FCRA 609 IF YOU DO N'T CLEARLY UNDER I HAVE ALSO CONTACT MY ATTORNEY GENERAL XXXX XXXX TO GET INVOLVE IN THIS MATTER AND WILL FILE LAWSUIT AGAINST EQUIFAX AS OF FRIDAY I HAVE ATTACHED CERTIFIED MAIL RECEIPT OF WHEN I ASKED EQUIFAX TO SEND ME THE INFO THAT I 'M REQUESTING. THEY ARE IN VIOLATIONS OF THE OF THE 609 AND 611 FCRA SEE DATES OF CERTIFIED MAIL IN FILE
Product: Credit reporting

Experian is not allowing paying customers to dispute things on line. They are not removing XXXX items from my credit report that do n't exist anywhere in the system nor the original creditor has any record of the XXXX XXXX accounts balance 64.00 $ and 89.00 {$.00} Neither entities have resolved the issue. It is impacting my credit score and ruining my life literally.
Product: Debt collection

I contacted the XXXX  o Wakefield & Associates and they agreed to remove the debt from my credit reports and close the accounts they have with my name and XXXX XXXX XXXX. XXXX  said they continued to certify that the debt should remain. That is a lie. XXXX never verified the debt.
Product: Debt collection

I have a collection for XXXX XXXX on my credit report and when i call the company in question to find out what its for they say they have no record of a collection with them but yet its still on my credit report. I have tried numerous times to get it removed from my credit report thru different investigations but have been unsuccessful.
Product: Mortgage

In XXXX of XXXX I was told my escrow account had a shortage of {$3300.00}. Due to them paying two insurance bills. Which I paid back one of them, that was the {$3300.00}. I was told repeatedly that my monthly mortgage would not go up. XXXX my payment was normal but for XXXX it is up over {$100.00} again. I called back multiple times on XXXX and was told many different numbers. First {$370.00}, then {$670.00}. Finally after many calls to supervisors I got a woman who was very kind and explained it was actually going to be another {$1400.00}. I repeatedly asked if the shortage was for taxes or insurance and the supervisors couldnt tell me that my taxes also went up. I had to find that on my portal statements. Now they are saying that it is because of the required reserves of {$1000.00} plus what is projected to be negative. When I pulled up my online account statements I do not even have XXXX. I have 2 for XXXX and one for XXXX. Also the bottom of my statements where it shows what I need is not showing {$1400.00}, it is showing {$670.00}. There is absolutely zero way for me to prove that I am not overpaying or that my reserves were even depleted or where it went. The woman also told me there is no way of preventing this again. I am not assured that I will not be over charged another almost {$5000.00} in the future. When I asked where the shortage was coming from the first 4 people couldnt tell me? It is abundantly clear this company is not competent in escrow nor money management. At this time I have paid a shortage of {$3300.00} in XXXX and yet another {$1400.00} today XXXX. How did my escrow account get so upside down, and who will be held accountable?
Product: Debt collection

On the XXXX XXXX, XXXX, I received another mail from the law office of Pressler, Felt and Warshaw, representing a debt collection agency, XXXX XXXX XXXX, in reference to an old, XXXX  XXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXX civil part, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring XXXX XXXX XXXX, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.
Product: Money transfer, virtual currency, or money service

CashApp is who I had the issue with. My information was compromised. a relative ordered a card in their name, and it came in the mail with my name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in a XXXX XXXX XXXX XXXX, paid off several cards in 6 months but have spent the last 7 months trying to get the credit bureaus to report accurate statuses and payment history. Experian in particular has actually created negative payment activity on 2 accounts we had with XXXX XXXX Credit Card. We had 2 accounts that were paid in full per settlements XX/XX/XXXX / XX/XX/XXXX but were continuing to show balances due and non payment for several months after. We have disputed several times since XX/XX/XXXX ( submitting documentation of payment and debt resolution from the creditor ) but each time, the dispute is closed with additional negative remarks etc. The last online attempts at dispute resulted in Charge Off Status for XXXX and again XX/XX/XXXX on these accounts that were paid / closed 9 months ago. I can not get a person on the phone and have spent hours fighting this. I have a settlement on a home in less than 30 days and every time I take action to correct the information with Experian, they are creating erroneous and derogatory information on our credit reports, resulting in significant score decreases because of new late payment ( again paid/closed 9 months ago but show Charge Off in Payment History for XXXX and XX/XX/XXXX ). I am in danger of losing my financing because Experians reckless misconduct and need help. I have all supporting docs including timeline of paper and online disputes. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported derogatory credit to XXXX.. There is no negative information on my account with any credit reporting agency. Equifax refused to get me a supervisor or give me any information about the information that was reported, would not give me a copy of the report that was sent t XXXX. I have been denied a credit card based on their info
Product: Credit reporting, credit repair services, or other personal consumer reports

ok Equifax give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with equifax