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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My XXXX XXXX XXXX loan was transferred to Carrington Mortgage about 30 days ago. I was sent a notice, but I was never sent a welcome package or any information about my new account from Carrington. XXXX XXXX XXXX gave me the phone number for Carrington and I called to get my account number and information. I was assured that more information was coming in the mail and that XXXX payments would not change. I still have not recieved a welcome package, instead, I have recieved a notice that my 30-year conventional mortgage payment is going to go up over {$50.00} due to estimated escrow changes. This is ridiculous. I have not been motifiifed of any tax or insurance changes and there is no need for this payment to go up. I feel like this is unnessesary and unjustified. Definitely not the 'Welcome package ' I was expecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against the credit bureaus under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I have discovered multiple inconsistencies and inaccurate information in my credit reports, which are in violation of my rights as a consumer.

Under the FCRA, I am entitled to receive a credit report that is 100 % accurate and reflects a true and fair representation of my credit history. However, upon reviewing my credit reports from all three credit bureaus ( Equifax, XXXX, and XXXX ), I have identified several inconsistencies and errors that raise serious concerns about the accuracy of the information being reported. 

Specifically, I have identified the following misleading and false accounts : XXXX. XXXX - XXXX : This account has been reported by all three credit bureaus, and it contains inaccurate and misleading information. I have contacted the debt collector associated with this account and requested proof of the alleged debt, specifically the alleged original application bearing my signature. Despite my repeated requests, the debt collector has failed to provide any such proof, which indicates that they are reporting misleading information. 

XXXX. XXXX - XXXX : Similarly, this account has also been reported by all three credit bureaus, and it contains inaccurate and false information. As with the previous account, I have contacted the debt collector and requested proof of the alleged debt, including the alleged original application bearing my signature. Again, the debt collector has failed to provide any such proof, suggesting that they are reporting false information. 

These inconsistencies and failures to provide requested documentation violate both the FCRA and the FDCPA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Furthermore, 15 U.S. Code 1681i ( 5 ) requires the credit bureaus to conduct a reasonable reinvestigation upon receiving a consumer dispute. In this case, the credit bureaus have failed to fulfill their obligations under these laws by reporting inaccurate and false accounts without conducting thorough investigations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against the credit bureaus for their violations of the FCRA, FDCPA, TILA, 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I also request that the credit bureaus rectify the inaccuracies and false accounts in my credit reports, ensuring that my credit history is accurately reflected. 

I appreciate your attention to this matter and trust that you will conduct a thorough investigation to protect my rights as a consumer. Please provide me with any updates or actions taken regarding this complaint. 

Thank you for your assistance. 

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

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX XXXXXXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX  XXXX A {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXXXXXX XXXX  ( inquiry )
Product: Money transfer, virtual currency, or money service

I initiated remittance for XXXX USD on XX/XX/XXXX thru " XXXX - Money Dart Global INC '' company till now i did not get money to my XXXX bank account its been almost 10+ days and no response on request sent. Called Customer support no response. I sent multiple mails them and to their head office listed as Money Dart Global INC.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the first bank, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit credit score and discovered a week later my credit score had dropped to XXXX.
Product: Student loan

I noticed my loans were being transferred from Great Lakes to Nelnet. I have payments due so I want to pay them. However I can not create an account on their website because it shows an error XXXX XXXX XXXX Calling them doesn't work because of extremely long wait times and I have to be working. Email has been taking a long time as well. My attempt to contact started last week and I can't get a hold of them. How am I supposed to pay my loans if I can't? I will just get screwed over now by getting a lower credit score when I am able to pay it no problem. So many other people are also facing the same issue it's a disgrace and it's extremely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting is reporting erroneous information after disputing them, they will not remove an closed account that's paid in full.
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning when I noticed inaccurate accounts showing up on my credit report. I check my report regularly, and this time there were sudden discrepancies that I couldn't explain. I even refreshed my browser, hoping it was just a glitch, but the errors remained. This has really unsettled me, and now Im asking for a thorough review of the documents Ive sent, so I can finally stop worrying about this.
Product: Money transfer, virtual currency, or money service

I instructed XXXX XXXX to wire {$74000.00} to my Coinbase account and I received an email from them on XX/XX/2024 at XXXX XXXX  saying " Your withdrawal request has been processed. I immediately began checking my coinbase account and after a day or so I began calling both companies to find out the status of the transaction. I finally got to a supervisor with XXXX XXXX and she provided a " confirmation number '' but not a Federal Number or any other information about the exact time and date of the transaction. With Coinbase, I finally got someone who could see a previous incoming wire transfer but not the missing wire transfer. It's been 3 days since the wire transfer and they still aren't able to locate the missing incoming wire transfer.
Product: Credit reporting or other personal consumer reports

My loan was paused and I wasn't notified of it starting again and my credit score plummeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to   XXXX   and Transunion and filed a dispute. I received the message dated  XX/XX/XXXX  from  XXXX  : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  XXXX .
Product: Credit reporting or other personal consumer reports

I did not authorized nor consent XXXX XXXX  XXXX XXXX this is not my account! I am aware of my consumer laws as you are able to see based on the documents attached. XXXX This company is reporting late payment after the account was closed! This is a violation and needs to remove late payment history. I demand all accounts and that are negatively affecting my credit and violating my rights be removed and updated from my credit report!
Product: Credit reporting or other personal consumer reports

on XX/XX/24 transunion was notified of the identity theft and has not acknowledged the alleged identity theft. I am requesting the accounts to be removed per FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened XXXX XXXX XXXX Closed XXXX XXXX XXXX Amount XXXX Company keeps reporting incorrect dates and times of payments.
Product: Student loan

Sallie Mae calls 3-5 times per day, 7 days/week when payment is < 7 days late and even when payment arrangements have been made.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to initiate a credit freeze on my Experian credit report. Experian 's system was unable to verify my identity online. Subsequently, I was instructed to contact the provided phone number, XXXX, for alternative verification. Unfortunately, automated prompts prevented connection with a human representative, directing me solely to online or mail-in verification options, despite repeatedly asking for a representative, specialist, or human. 

When attempting the mail-in or upload verification process, I encountered a technical issue where the document upload page repeatedly redirected to the initial demographic information page. 

I have been unable to establish direct human contact with Experian despite multiple attempts through various channels, including phone, email, and social media such as XXXX. XXXX lack of accessible human customer service is unacceptable.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/ ) I sent an Identity theft letter to ( XXXX XXXX XXXX, UPGRADE INC, XXXX XXXX XXXX ). I have not received a response nor has ( XXXX XXXX XXXX, UPGRADE INC, XXXX XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/ ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX, UPGRADE INC, XXXX XXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Debt collection

As you can see in the attachment below there are clear discrepancies, inaccuracies pertaining to this account that have been continuously placed on my credit report by said furnisher, LVNV Funding. 
The following are listed below : - The three credit bureaus have two different dates on which the account was opened which can't be possible ( XX/XX/XXXX and XX/XX/XXXX ) -As you will see in the payment status column two of the three bureaus have listed this account as a " Charge off '', while the third has it listed as " Late 120 days ''. 
-There are two different dates listed in the " Last reported '' column ( XX/XX/XXXX and XX/XX/XXXX ) -Also three different dates listed as The date last active ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX refuse to delete unproven accounts from my credit report. I have filed disputes with both agencies and within 5 days they label the information as correct, without opening a formal investigation. I have no trouble with XXXX. They actually reach out to the lenders and ask for information in regards to the information that they are reporting. These accounts have been removed from XXXX credit file and not deleted with Equifax or XXXX : XXXX : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

XXXX XXXX : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

Please help me to remove this information from my credit report with Equifax and XXXX. I have filed multiple disputes with each of them in regard to the accounts and they have not done any investigation.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX- # XXXX called at XXXX XXXX. There is a computerized voice asking for me by name. I have the option to press 1 if this is me. We have repeatedly followed the steps to have our number removed to no avail. They have been calling for months. Today I pressed 1, the computerized voice stated You can reach ICS at the following number:XXXX. 
I did not call the number. I XXXX it and there were several people stating this number was pretending to be a collection agency for medical debt, which I have none. 
Called on XX/XX/04 @ XXXX XXXX I can not go back further as our caller is full. 
I have received zero written communication from said company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following account is inaccurate ( XXXX ), they are strictly in violation of 15 U.S Code 1601b verbatim in its entirety. This is harming my credit worthiness with these false claims. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND this account to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My daughter had to have XXXX XXXX XXXXXX/XX/XXXX at the time we lived at XXXX XXXXXXXX XXXX I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not XXXX  XXXX XXXX XXXX XXXX XXXX the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Rectification Needed for FCRA Violations in Credit Report Dear EQUIFAX, I am writing urgently to address substantial discrepancies in my credit report that blatantly contravene the guidelines set by the Fair Credit Reporting Act ( FCRA ) within your agency. 

The FCRA is a crucial federal statute governing the collection and reporting of consumer credit information, ensuring meticulous acquisition, retention, and disclosure of credit data for transparent information sharing. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my information is used against me in credit applications or transactions. 
Dispute and request correction or removal of incomplete or erroneous data. 
Removal of outdated negative information as per FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and ongoing invalidation, causing significant distress and impacting my recent credit denial stemming from errors in your agency 's records. 

1. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXXXXXX  4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. I was never late on this account XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

7. I was never late on this account XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

8. This charge off account does not belong to me. I never have any financial obligation with this company XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I expect swift action to rectify these violations within the FCRA-mandated timeframe. Failing compliance will leave me no option but to pursue legal actions to uphold my rights under the FCRA. 

Sincerely, XXXX XXXX