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

I disputed an inaccurate and unverifiable account from XXXX XXXX XXXX XXXX XXXX ) on my Experian credit report ( Report Number XXXX, generated XX/XX/year> ). The account contains multiple discrepancies, including conflicting dates, balances, and payment histories compared to reports from XXXX and XXXX. 

I requested that Experian investigate the account and provide supporting documentation to verify its accuracy, as required under the Fair Credit Reporting Act ( FCRA ). However, Experian failed to conduct a reasonable investigation and did not provide any evidence or documentation to support the account 's accuracy. Instead, Experian stated that " the reporting company certified the information as accurate. '' Additionally, XXXX XXXX XXXX, the collection agency previously assigned to this account, informed the CFPB on XX/XX/year> ( Case : XXXX ), that it could not validate the debt and returned the account to XXXX XXXX XXXX XXXX XXXX. Despite this, Experian continues to report the account as accurate, violating FCRA 1681i ( a ) and 1681e ( b ). 

The lack of a thorough investigation and reliance on generic certifications suggests that Experian relied on the automated e-OSCAR system, which does not meet the standard for a reasonable investigation. Experians actions have negatively impacted my credit profile and caused significant harm to my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a fraudulent account.Please remove this accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraud inquiries on my credit report which are hurting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Final Dispute Notice Demand for Immediate Deletion of Inaccurate and Unverified Items To Whom It May Concern, This letter serves as my third and final attempt to resolve the numerous inaccuracies and violations of consumer protection laws found in my credit report, as provided by XXXX. I have repeatedly requested that these errors be corrected or deleted, yet XXXX has failed to comply, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX reporting standards. 

The continued presence of these false and unverified accounts and inquiries has severely impacted my financial well-being, including denial of credit and other essential services. As XXXX is already under legal scrutiny due to recent lawsuits, I will not tolerate further neglect or failure to act in accordance with federal law. 

Disputed Items ( Demand for Deletion ) The following items must be immediately deleted, as they have been improperly reported and remain unverified : 1. Collection Accounts & Charged-Off Accounts Several collection and charge-off accounts listed in my report have failed to meet legal verification standards. Under the FCRA, unverified accounts must be removed.

2. Incorrect Personal Information My personal information, including name variations and addresses, contains multiple errors. These inaccuracies contribute to further misreporting. 
3. Hard Inquiries Unauthorized and outdated hard inquiries remain on my report, negatively affecting my creditworthiness. These inquiries must be deleted immediately as they were not initiated with my full and verifiable consent. 

Violations & Legal Consequences By continuing to report inaccurate and unverifiable information, XXXX has engaged in : Defamation By publishing false and damaging information that has led to financial harm. 
Negligence By failing to follow reasonable procedures to ensure maximum possible accuracy.

Willful Noncompliance with FCRA & XXXX XXXX Standards Resulting in my inability to obtain credit, impacting my livelihood. 

If XXXX fails to comply within 15 days of receiving this letter, I will have no choice but to proceed with legal action, including filing a lawsuit for defamation, willful negligence, and financial damages related to lost opportunities and emotional distress. I will also seek statutory damages, punitive damages, and attorney fees, as allowed under the FCRA. 

This is your final opportunity to correct these violations outside of court. I expect written confirmation that these items have been deleted ( not updated or corrected ) and that my report has been fully rectified. 

Failure to respond appropriately will result in immediate legal escalation. 

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

On XXXX XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.
Product: Mortgage

We entered escrow on XX/XX/2024 for an assumption loan with Freedom Mortgage Corporation. 
Freedom Mortgage did not allow us ( buyer/seller ) to close for 10 months until XX/XX/2024 due to their own delays and mishandling of documents. 
In that time, Freedom Mortgage Corporation lost submitted paperwork from the buyer and seller on multiple occasions. 
We were contacted on XX/XX/XXXX by XXXX XXXX, a customer advocate from Freedom Mortgage Corporation, who collected our paperwork to help ensure " a smooth, quick closing, and to answer any questions you may have during the process. '' After several weeks of submitting documents, XXXX XXXX disappeared. He would not answer email or phone calls from the buyer, seller or our realtors. Neither XXXX XXXX nor Freedom Mortgage made an attempt to contact any party in late XXXX, early XXXX. 
The buyer/seller begged to make contact with Freedom Mortgage XXXX Department for XXXX from XXXX. 
We were finally placed with a new loan processor, XXXX XXXX, on XX/XX/XXXX. 
Though polite, she continued to lose files, death certificates, bank statements, etc. She could never find documents previously submitted and uploaded to the system, causing constant delays in our loan process. 
All of these delays led to a closing date of around XX/XX/XXXX, with us legally bound to make the mortgage payment starting XX/XX/XXXX. 
However, because of Freedom Mortgage delays over the course of 8 months, the previous homeowner had to leave the home vacant, to which a water pipe burst and damaged the entire home. 
It is now XX/XX/2024 and we have still not received the insurance money from Freedom Mortgage Loss Draft Department to fix the house and move in. They did mail a check to us last week, but it was made out to the previous homeowner 's dead wife ( the death certificate they keep losing ). 
Our XXXX father is currently homeless because of Freedom Mortgage Corporation 's XXXX XXXX XXXX correctly. 
We are waiting for them to locate the death certificate we just submitted for the XXXX time to Loss Drafts. 
Our father has adult kids to help with things like mortgages, and Freedom Mortgage keeps losing our third-party authorization forms every month, making it impossible to speak with them. 
This has been an outrageous and disgusting process from Freedom Mortgage Corporation. 
They were given appropriate documents to process forms and checks correctly, yet they still will not hold up their end to execute appropriate mortgage practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account XXXX : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Product: Credit card

My card was used from for numerous occasions and several different states, and some days several times a day for cash payments usually just under XXXX dollars for approximately 2 week period starting on XX/XX/XXXX. 
Basically my account was hacked and purchases were made not using a pin # and from a phone wallet, so my bank ( XXXX ) says. 
I was not in anyway alerted that these transactions were taking place until I found it myself. 
My bank denied my request for protection and reimbursement.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I sent letters amount an account that is reporting on my credit report. I sent a letter to US Dept of Education,  to all the addresses they have on my report which is 5 different addresses, requesting a copy of my payment and account history : 1 ). What is the Account Balance? 
2 ). Date Payment was received? 
3 ). Scheduled Payment Amount? 
4 ). Actual Amount Paid? 

I received no response from them.
Product: Vehicle loan or lease

My old XXXX XXXX Santander Consumer USA incorrectly reported to the credit bureaus that I was more than 60 days delinquent on payments when I was not. My car was deemed a total loss after a car accident on XX/XX/year>, I continued to make my payments until my insurance paid the majority of the loan off, and I paid the remainder amount to pay off the loan in full to be able to get a new car loan taken out from a different lien holder. After paying off my loan in full to Santander consumer USA, they emailed me a Paid in full guarantee letter so I was able to secure my new loan elsewhere on XX/XX/year>. I got a notification from my XXXX that Santander reported my account as more than 60 days past due, and my credit dropped XXXX points when I already paid off my loan to them. I called Santander and they connected me to their platinum team, who, said they would call me back after I told them what happened and I wanted to make sure we were on the same page so when I start a dispute on XXXX, they dont have any more errors they are reporting so I can clear it up and get it removed from the credit reporting agencies. They told me they would call me back after submitting my complaint to the leaderboard within XXXX hours, and they never called. All I want is for a call back that this incorrect information that was reported will be removed and they know it was their error so when XXXX reaches out to them about the dispute, we are on the same page and they agree with my dispute. They obviously have a ton of errors and miscommunication going on with their end internally.
Product: Debt collection

My issue with this debt I believe began in XXXX when I discovered via a credit report that XXXX XXXX XXXX accounts had been started in my name using an address I was no longer living at. I have never had a XXXX XXXX plan and have always been on an XXXX XXXX XXXX family plan with my parents and siblings since I was a teenager. That plan is under my parents ' name and I have never had another cell phone that was not on their plan. 

At some point around this time I also received a call from a debt collector ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ) trying to collect on this / these account ( s ). When I discovered all this I tried to report ID theft on the XXXX XXXX website, but it said I needed a police report in order to start the ID theft process. When I went to a police station and tried to submit a police report I was told I needed a paper copy of one of my bills that had the account number on it. But as far as I know I had never received any bill because the address used to open the accounts was one I was no longer living in at the time the accounts were apparently opened. 

Subsequently as I was going back and forth between XXXX, debt collector and police department, I saw that on my credit report the debt and the accounts associated with it had disappeared, and there were no outstanding debts listed as being associated with my name or my credit report. Although I had not successfully filed a police report I took this to mean that somehow the companies involved had understood that it was fraudulent debt, and I stopped receiving any contact about the debt from collections. 

However a few years later I once again received contact about what is apparently the same debt from a different debt collector ( JEFFERSON CAPITAL SYSTEMS LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I first received contact from them via phone on XX/XX/XXXX but I believe they may possibly also have tried to contact me at my parents ' residence via mailmy parents subsequently forwarded several bills to me from the debt collector. The bills I have on hand are dated XX/XX/XXXX and XX/XX/XXXX but they have sent several others as well. At this point I am once again attempting to navigate the process of disputing the debt and having it removed from my credit report.
Product: Vehicle loan or lease

TOYOTA MTR # Multiple lates retro reported which is erroneous and illegal. Before I pursue this matter using the legal system, I want the CFPB to resolve directly with Toyota. I can  prove, by monthly bank statements, all payments on time. Attached is an example of my credit from XXXX XXXX reflecting before and after dispositions. 

Almost a year after returning the vehicle Toyota Motor went back into my payments and reported one late payment for XX/XX/2016. 

The following month they changed that XXXX reporting on the closed credit line as current and changed 3 years of history into 30/60/90 day lates. 

It does not make sense how they allowed me to keep a car if I was always late. 
I was able to retrieve most of my bank statements to show payments made on time. Some of the payments from early XXXX I was not able to obtain proof of them retro reporting. My bank account that I use to pay them from is closed and I have no access to prove their malpractice. 

I am requesting help with this financial fraud. I would like them to either fix the retro late reporting and apologize or simply remove the credit line. They have prevented me from qualifying for a home for me and my children. I am a single mother of XXXX and they have caused me great grief and inconvenience. I don't know why they did what they did. Surely the law must have a way to protect consumers against such retro false reportings.
Product: Debt collection

XXXX erroneously charged me an amount after instructing me NOT to pay it. They then sent the debt to a collection agency. I have a chat transcript with XXXX instructing me not to pay the amount. 

I opened a dispute with AFNI ( the collection agency XXXX and provided documentation. I have paid this amount in full to avoid credit complications and await a refund from the collection agency. 

In the meantime, this error is now damaging my credit. This is the result of XXXX 's error and I need it removed from my credit. I'd also like a refund from XXXX or the collection agency.
Product: Credit reporting or other personal consumer reports

FCRA 605B might require us to fix any wrong accounts on my credit report. Could you check the docs? Some listed accounts have wrong info about reporting, like wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting information on XXXX XXXX accounts that are incomplete and inaccurate. I never gave EXPERIAN written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I sent Experian and XX/XX/XXXX a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

Experian XXXX. XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX. XXXX XXXX XXXX, GA XXXX
Product: Student loan

I was on the rate reduction plan with the company and it was time to renew. I have been paying XXXX but struggling to do so. They asked for both me and the co-borrower information and we submitted it and they said we had a deficit in income so we didn't qualify for plan. Then I asked what does that mean, and they were like higher payment. I was like that is impossible if we have a deficit. They then asked for bank statements. We had recently got some payday loans to try and help make ends meet and make all our payments. Well because they so deposit from those funds they felt like we had income, without even looking at all payments and monthly bills. We submitted documents showing how much those payments were for and they still said they could not reduce payments. We are currently having a hardship and don't understand how an we make a payment if we sent you paystubs and you said we couldn't afford to make a payment. But because they saw loan proceeds to pay our bills that we currently make a payment on, they assumed we have money. They have not been the easiest to work with, and I have been told oh, there are not options for Private loans. We are at risk of losing everything at this point.
Product: Credit reporting or other personal consumer reports

According to 605B, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I Never opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1200.00}
Product: Credit reporting or other personal consumer reports

Identity Theft Dispute Regarding Medical I am writing to formally dispute the inaccurate information related to a medical bill appearing on my credit report. I believe this account is the result of identity theft. This dispute is being filed under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681c-2 - Under this section, I am entitled to request the blocking of information resulting from identity theft on my credit report.

2. 15 U.S.C. 1681i ( a ) - I am requesting an immediate reinvestigation of the disputed information.

3. 15 U.S.C. 1681g - As part of this dispute, I request all information used in reporting this item to be provided to me.

As evidence of identity theft, I have attached the following documents : 1. A copy of my identity theft report filed with the FTC 2. A copy of my government-issued ID.

3. Proof of residence Under 15 U.S.C. 1681c-2, I request that you : Block the fraudulent account from my credit report immediately.

Reinvestigate this matter under 15 U.S.C. 1681i and remove the inaccurate information.

Provide me with a copy of your investigation results under 15 U.S.C. 1681g.

Please be advised that failure to comply with these obligations within the FCRAs specified timeframes may result in further actions to protect my rights.