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

Experian has failed to fulfill its legally obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX XXXX, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XX/XX/XXXX and it was removed from all the known agencies. 

In XX/XX/XXXX this year i have discovered that the item was reinserted to my Equifax credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


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

Despite my ongoing efforts for months on end all three credit companies along with the XXXX collection company report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, They have violated my rights. 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, credit repair services, or other personal consumer reports

I contacted the company via CFPB complaint portal to let the credit bureau investigate the erroneous information on my credit report under the account XXXX I have disputed the original payment as erroneous therefore shall be deleted under 1692 ( f ) F an attempt to collect a debt not authorized by the original agreement the company still validated the fraudulent information ( documentation attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX TRANSUNION XXXX Re : Acct # UNKNOWN BALANCES ON BOTH CLOSED ACCOUNTS ARE $ XXXX/ {$6000.00} To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I HAVE LATE PAYMENTS ON MY CLOSED XXXX XXXX STUDENT LOANS This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, Transunion, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
Product: Debt collection

I contacted American Express and told them to please have this senior collection Specialist stop calling me. He calls 50 to 60 times a day and will call back to back 15 to 20 times at the same. He also calls my business partner and does the same thing. My business partner filed a complaint, but since she is not listed on the card, you couldnt do anything, but they continue to harass her. We used {$20000.00} on the card paid {$15000.00} back as agreed and requested additional time for XXXX they taunt us tell us theres nothing we can do about being harassed. We both are trying to work and it tried to make arrangements but they wont accept the payment arrangements.
Product: Checking or savings account

I went to a teller and made a deposit because the outside ATM was down so I had to go inside I made a deposit for my life insurance but did not get credit for it I call and complain still to this day they did not credit my account this was back in XXXX or XXXX they also charge a credit card payment to my account that I already removed the payment information from but I prove my case and it was reversed
Product: Mortgage

PNC mortgage lost at least 1 payment during the purchase of my mortgage for another servicer. 

I have contacted PNC bank/mortgage at least 3 different times ( XXXX, XXXX, XXXX ) always being told that 3-5 business day is needed to research the account. 

PNC mortgage has sent me physical documentation/payments of the loan, yet they are still researching. Holding my money hostage. Putting my home and bank account in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a complaint with Trans Union directly, but in the past few months I gave proof that the XXXX XXXX XXXX card that was on my Trans Union report was the sole responsibility of my husband, and that I was only an authorized signer. I wanted XXXX XXXX XXXX to remove this account on all three credit reporting agencies, of which the account was deleted on XXXX and XXXX   respectfully. I respectfully request that Trans Union follow through with XXXX XXXX XXXX and delete their account reference immediately as per the XX/XX/2018 letter in this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/2022 XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.
Product: Student loan

I went the College XXXX which was a For profit college which is now closed. I had to take out XXXX separate loans from XXXX for this school. 
This school made so many promises that we would have guaranteed jobs after the XXXX program was completed. Never did I find a job in the field. 
They gave me some bogus certificate that was n't even recognized with employers. n I even back then contacted the president of the college and express to him how bogus this program was and wanted resolution which he could not give. 
I contacted the FTC to file an complaint. No one ever contacted me about the matter from FTC. I 'm stuck with a loan that I can not afford to pay back and never was not able to get a job in the field that was promised. What steps am I able to take since this school is now closed and I 'm stuck with a loan that has been in forebearance and accumulating interest on XXXX different loans from this closed school. Ive contacted XXXX who is now navient about school closed and asking for loan forgiveness. They told me no loan forgiveness for me because I went to the school in the 1997. But the same illegal business practices and deceptive was going on. Back then we did not have the same resources of social media and agencies to help us as the generation of people do now. The FTC was the only main source back then. Please help or please give me resources to seek
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}
Product: Debt collection

On XX/XX/XXXX I contacted Aqua Finance to inquire what the " Final Payoff '' amount for our XXXX XXXX XXXX XXXX XXXX XXXX was. The " interest free '' period was to expire on XX/XX/XXXX. I believe that I was told that the " payoff '' amount was {$11000.00}. Therefore, on XX/XX/XXXX we paid that amount. For the next three months we received notifications that the payments of XXXX dollars were due. After that, we did not receive any billing notifications, until we received a statement in the US mail, dated XX/XX/XXXX, that we still had a balance of {$6200.00}. This was the first correspondence since XXXX of XXXX. They said that we did not fully payoff the debt, when we paid them {$11000.00}. According to them the payoff was actually {$11000.00}, and we still owed them the {$700.00} plus all of the accrued interest from day one of the " interest free '' loan. I have attached a WORD file that shows the three emails that I referred to. I am willing to forward the actual emails to you upon request.
Product: Credit card

I am XXXX  and struggling to care for XXXX  parents. My Dad just passed away and my mother has XXXX. paying a caregiver and other expenses for them hadmy credit card debt high. I have great credit with no thirty day past dues, charge offs etc. I contacted my highest creditirs asking for a program that would allow me to get the debt under control. I entered into a debt releif program but unenrolled after understanding the debt would not be paid in full but only a portion. I was taught by Mom that oyu pay for what you charge and to not is stealing. I pride myself although struggling on maintaining my credit and paying my bills. One of my creditors immediately placed me in a program because of my stellar payment history. Chase would not assist and after being told to not call again sent a fradulent unautnorized payment through my account. After refusing to halt the payment being provided proof it was not me I had to file fraud payments with my bank. Subsequently the payment was reversed I payed Chase in full onlu to have them retailate by reporting me to the credit bureau and causing a XXXX point decline in my credit score. I then find today that they close card of over nine years and caused another hit on myh credit score. I have spoken to Chase agents all the way to the corporate level but the retaliation in continuing. This is so heartbreaking for me as I have worked diligently to preserve my credit and credit score. I have spent countless hours on the phone and still it is not resolved. I was assigned someone at the corporate level after beinf denied the CEO 's contact info. His name is XXXX and his number is XXXX XXXX Extension XXXX My Case Number is XXXX. We talked Tuesday but after calling back yesterday to inform him my credit card was cut off there has been no repsonse. I was told the issue would be escalated to his supervisor and I requested a differnt person to work with me. I asked him if they could remove the thirty days pass due from my credit report as I am a long time customer and life happens. All of these issues were beyond my control and I must care for my parents as they age. He said " I'll look into it ''. He was calling about the fraud complaint. I offered to provide documents proving I did not make the payment removed from my account as I was in academic advising with XXXX XXXX XXXX  and the were willing to provide a statment that I was indeed in a FAFSA meeting with them. He said if needed he would take it later???
Product: Debt collection

To Whom It May Concern, I previously disputed the Calvary Portfolio SE account for inaccuracies on my XXXX, XXXX, and XXXX reports under 15 U.S.C. 1681. No modifications or proper actions were taken. I am requesting the immediate removal of this account and confirmation within 15 days Respectfully. 

XXXX XXXX
Product: Mortgage

XX/XX/2020 Colorado housing and finance ( servicer ) failed to pay hazard insurance which is in my contract. Escrow was set up and had funds for renewal but they repeatedly sent me threatening letters claiming I had to personally pay. I had insurance company fax XXXX  XX/XX/2020 to number chfa provided. XX/XX/XXXX I submitted on loansolutioncenter website a request for assistance, and called chfa and they confirmed that it was to be paid. XX/XX/2020 chfa bought lender insurance 3x the price and nother coverage for my family. Communication received was utter nonsense and blaming me or anyone but themselves. They violated several RESPA and TILA statues. Still have no resolution and they have not returned my escrow and have not followed my closing agreement and continue to deny responsibility. According to RESPA and TILA they are to be fined and compensation is due. I can prove letter sent as resolution was filled with false information and their timeliness is beyond legal limit. Please help. I saved all documents. 
I was also charged 2 late fees, during the period of forbearance coverage time. No updated information on any websites or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

Bank of America has reported false information to the credit reporting agencies for my credit report for multiple months now : XXXX, XXXX, and XXXX. They have taken over XXXX days to look into this with no response for more information or status updates or any further contact. 
Ultimately their own financial system controlling Auto Pay functionality had an error that did not properly process a payment. They are responsible for that and need to send corrections to all of the reporting agencies to show that NO late or XXXX late payment was ever an issue- all payments with all Bank of America accounts should show as paid on time and in good standing.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Bankruptcy from Credit Report Dear XXXX, I am writing to request the removal of a bankruptcy record from my credit report. After reviewing my credit report, I noticed that a bankruptcy filing is being reported, which is inaccurately reflecting my credit history. 

To facilitate the removal process, I have attached supporting documentation that verifies the bankruptcy listed is inaccurately reporting. You list XXXX. This means the bankruptcy was a XXXX XXXX XXXX but converted to XXXX XXXX Do you have supporting documentation for this? You list this on your website under my name and social. I will provide the proof for your records. 

I kindly request that you investigate this matter promptly and delete the inaccurate reporting of this bankruptcy record on my credit report. I understand that accurate reporting is crucial for maintaining a fair credit history, and I trust that you will handle this matter with the utmost professionalism and diligence. 

Please provide me with written confirmation once the bankruptcy record has been removed from my credit report. Additionally, I request that you notify any third-party entities that may have accessed my credit report during the time the bankruptcy was inaccurately reported. Note : Lexis Nexis has no record of this bankruptcy record, yet you state they certified this information as correct to you. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided below. 

Thank you for your assistance. 

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

Upgrade Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Forget 30 days. I have been complaining to CFPB, as well as all three Credit Reporting agencies for years, with no Assistance from you or them. 

It is evident that CFPB has the Creditors and Reporting Agencies ' best interest in mind in their Actions and not the consumer. You are an affront to your charter. 

Tomorrow morning, I am making contact with various persons working in the Senate and providing my evidence and explination of all of the questionable things you are doing and your malfeasance. 

I demand you do your job and deal with XXXX, XXXX and Experian immediately. 

You are acting in XXXX XXXX. Your in house attorney should know enough to tell you that intentional bad Faith Actions ( such as protecting ones " Member Companies '' removes all immunit and makes you criminally and civilly liable. 

I demand hard copies and electronic access to accurate reports from all three agencies immediately.
Product: Debt collection

Original creditor : XXXX XXXX XXXX XXXX XXXX  : RASH CURTIS & ASSOCIATION I am disputing a XXXX XXXX  charge on XX/XX/2020, for the amount of {$1900.00} ( original medical bill {$1400.00} ). 

Because of my age, my doctor pressured me to get a XXXX XXXX XXXX Insurance should have covered this 100 % but it appears it was coded incorrectly. 

" The Affordable Care Act requires recommended preventative services, such as colonoscopies, be covered at no cost to the patient. However, strict guidelines are used by insurance companies to determine whether a XXXX  is categorized as preventative or diagnostic, which can impact your potential out of pocket cost '' " XXXX XXXX  Screening : Patient is XXXX ( no present gastrointestinal  ssymptoms ), is age XXXX or older, and has no personal history of XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. A XXXX  has not been performed within the past XXXX years. This is usually a routine screening XXXX  and covered by most insurance plans. '' This was the case for me. 

This medical collection account needs to be removed from my credit reports. In addition, Rash Curtis and Assoc. also has two hard inquires on my credit report they also need to remove. 

Thank you for your help with this matter.