23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

18. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

19. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

20. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

21. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

23. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

24. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have a credit card with Ollo. My husband is on leave without pay, and I am unable to make a payment at this time. Ollo calls me 3-4 times a day about my balance due. They also send text messages almost every day. I don't think they are allowed to contact me this much.
Product: Debt collection

Southwest credit has been calling me constantly. I believe XXXX XXXX  sold my information to this debt collector trying to say I owe XXXX which is inaccurate. I feel XXXX at this point. I get Calls almost 4 times a day from southwest credit from different numbers for. I am Truly upset about this and believe I do deserve some compensation from constantly being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Product: Mortgage

Repeated attempts to get a refinance or loan modification have resulted only in a heightened level of anxiety for my family. This company, Suntrust XXXX Truist has the same pattern : I request Help They Call me at work and threaten me I get no help I even went to the police to get the calls to stop. 

Every time I request to get a loan refinance or modification, they send me to a third party company that more often then not attempts to sell me some product. 

The only product I want is called " Save Your House '', and that should be free.
Product: Credit reporting or other personal consumer reports

I been trying to dispute everything that wrong even name is wrong transunion account are not accurate I do not owe for any vehicles they were voluntary repossed Somethig was wrong with the vehicles I do not owe any of that the balances is wrong and united auto credit that vehicle is paid off you all need to delete Iam tired pof disputing and nothing is happening if I need to get a lawyer I will ist is falsify false info that's preventing me from getting a home as well as a bank account this has destroyed my life literally At first the social security was wrong then fixed IM tired of paying people to dio job and its not geting the job done Iam a XXXX  XXXX woman its hard being XXXX as it is and deal with y'all study putting false balances and information on my credit running hard pulls is messing up my whole life Iam tired Question I do I sue the credit beaurus or can y'all fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated pe

r U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

experian has not updated my credit score since XX/XX/24 stating that lenders may have different personal info for me than they do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is outrageous! I've continiously reached out to Transunion and XXXX about accounts, inquires, addresses, phone numbers, and more that I belive do not belong to me. They've shown me no proof, no signed documents, no response, nothing! These credit companies are not even complying with their own policies withen a timely matter. I take my report very serious and this dilemma has held me back from important opportunities.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting 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 furnishers, accepting unreliable responses and failing too adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX - Cardinal FinanciaXXXX ( mortgage company ) failed to pay agreed escrow wind insurance account. 
- Wind insurance was cancelled leaving a insurance cancellation record on my insurance history. 
* Cancellation caused my family to pay over XXXX to start a new policy. 

Insurance information was provided to Cardinal in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX- Cardinal financial placed my account in collections through their error resulting in further financial and personal damage.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian for Failure to Investigate Credit Report Errors **To Whom It May Concern**, I am writing to formally lodge a complaint against Experian regarding their failure to properly investigate disputes related to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
**Personal Information** : - Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Phone Number : XXXX ( XXXX ) XXXX - Email : XXXX **Details of the Complaint** : 1. **Background** : I have sent multiple letters to Experian disputing inaccuracies on my credit report, as per my rights under the FCRA.

2. **Lack of Compliance** : Despite my efforts, Experian has failed to comply with the following sections of the FCRA : - 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information. 
- 15 USC 1681s-2 : Failure to properly investigate and respond to disputes.

- 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation.

- 15 USC 1681c ( c ) : Failure to remove or not reinstate inaccurate information.

3. **Impact** : As a result of their negligence, I have been denied rental agreements, mortgage loans, & employment opportunities.

**Request for Action** : I request that the CFPB investigate Experian 's practices and hold them accountable for their failure to comply with the FCRA. I would also like to ensure that my disputes are properly investigated and resolved Thank you for your attention to this matter. 

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

I was reviewing my credit report recently and noticed an account that wasnt reported accurately. Have XXXX late payments on an account that was paid on time at the time that was supposed to be paid. Consumer reporting agencies need to report information with complete accuracy. 
This account never been late on payments. Account is currently closed at my request. But the late payments still remains on my credit report. Im nowrequesting that you investigate and provide verifiable proof with records showing i had these late payments. If this information cant be verified i demand theses payments be updated to paid on time inmediately. Thank you for your understanding and promp action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

An identify thief gained access to my Experian account changing the email address and phone number associated with the account. I am since unable to gain access to my Experian account, and the thief ostensibly has unlimited access to it. Experian has required that I mail or fax to them and unacceptable trove of personal information in order to regain access to my account, namely, and I quote : " One copy of both the front and back of your government-issued identification card ( such as a drivers license or state ID card ) that displays your current address One copy of a current utility bill, bank statement, or insurance statement that displays your current address One copy of both the front and back of your Social Security card '' I am extremely uncomfortable sending this much personal information to a company that has already violated my trust by allowing an identity thief to gain access to my account.
Product: Mortgage

My mortgage is with TD Bank since XX/XX/XXXX. I make mortgage payment s on time ; never late on a payment. The mortgage payment is $ XXXX/ month due as of the first of the month. I make a monthly payment of {$2200.00}. On XX/XX/XXXX ( business day of XX/XX/XXXX ), I went to TD bank branch located in XXXX XXXX XXXX XXXX, NJ, to make the mortgage payment due on XX/XX/XXXX. I told the teller that I need to pay my mortgage. Because TD Bank does not have a mortgage payment slip, I do have to complete one. The teller completed the transaction and gave me receipts which I can provide to you. I left the branch expecting everything is ok since I never had any issues paying mortgage in branches before. On XX/XX/XXXX, I went online to check my accounts and I noticed too much money in my overdraft protection account. I found out that the bank teller deposited the {$2200.00} in my overdraft protection account instead of the mortgage which surplused my overdraft protection account and made me late on the mortgage payment. I called the branch and spoke to a customer service representative who said she will contact the back office. I did follow up with the branch manager who assured me that she will take care of the issue and the mortgage payment will be posted to my mortgage account as of XX/XX/XXXX. On XX/XX/XXXX, the bank debited the {$2200.00} from the overdraft protection to credit my mortgage account. However the mortgage payment was posted XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the branch customer service again to correct this error as I made the payment on XX/XX/XXXXand should be posted on that day. She said that I should not be upset about it because I get two weeks grace period anyway! I wasn't happy with her response and I asked to speak with her manager again. The branch manager claimed that she sent an email to the mortgage department to get this fixed. As of today, the mortgage is not posted on the date I made the payment and the branch manager is not getting back to me. I tried to contact the district manager, however, a branch employee refused to give me his/ her contact information.
Product: Credit reporting or other personal consumer reports

Subject : Violation of FCRA Sections 623 and 15 U.S.C. 1681 Dear CFPB, I am submitting this complaint regarding an account reported by XXXX related to my XXXX XXXX XXXX account. 

XXXX The information related to a late payment should not appear on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), including : 1. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : a. Failure to Ensure Maximum Possible Accuracy The furnisher of this information has an obligation under Section 623 ( a ) ( 1 ) ( B ) to ensure maximum possible accuracy in the information they provide. However, there is no evidence that they conducted a proper investigation or verified the legitimacy of this late payment as required by law.

b. Failure to Investigate Disputes Under Section 623 ( b ), when a dispute is raised, the furnisher is required to investigate and provide sufficient evidence to verify the information. To date, the furnisher has not provided original documentation ( such as signed agreements or proof of proper notice ).

2. Violation of 15 U.S.C. 1681 Exclusions : Per 15 U.S.C. 1681a ( b ), information that is solely related to transactions or experiences between the consumer and the creditor should not be shared in a consumer report.

Late payments, as a transactional experience, appear to fall under this exclusion and should not be reported to credit reporting agencies.

3. Request for Removal of the Late Payment This single late payment has significantly harmed my credit score, and I believe the furnisher did not follow proper procedures required by the FCRA. I request : 1. The removal of this late payment from my credit report due to the reasons outlined above.

2. The furnishers compliance with all duties under FCRA Sections 623 and 15 U.S.C. 1681.

If the furnisher can not provide signed original agreements or other verifiable documentation as required by law, the CFPB should require its removal.

Thank you for investigating this matter and ensuring fair practices for all consumers. 

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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX XXXX Balance : {$47.00} XXXX XXXXXXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not owe XXXX 's the amount of {$230.00} or any other amount.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a dishwasher with my Best Buy credit card, which is run by Citi. It was set to be installed on XX/XX/2023 by Best Buy which was included in the purchase. The overall purchase price was {$840.00} including the dishwasher, installation, and taxes & fees. The third party installer supplied by Best Buy ( XXXX XXXX XXXX  ) came on XX/XX/2023 and had issues installing it. He took it back with him and was supposed to return the dishwasher to Best Buy. ( I have pictures of the return paperwork ) The dishwasher was never returned and I was stuck with the {$840.00} payment, which I paid in full. I called Best Buy to dispute this and got nowhere, so I decided to do an online dispute with the credit card charge. On XX/XX/2023 I got my denial letter of the dispute. I ended up purchasing the same dishwasher elsewhere and had it installed with no problem, but Im still stuck with paying for a dishwasher from Best Buy that I never got.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute package to XXXX regarding fraudulent accounts on my credit report. This package included a police report, proof of identity, and a request for GAAP-compliant verification of the accounts. Under 15 U.S.C. 1681c-2, XXXX was required to block these accounts within 4 business days. However, as of XX/XX/year>, no action has been taken, and their online system shows that the dispute wont be completed until XX/XX/year>, far exceeding the statutory timeframe. 

I contacted XXXX on XX/XX/year>, where an agent confirmed that the file had been updated to reflect fraud ( File # XXXX ). However, the agent incorrectly claimed that all disputes, including fraud-related ones, follow a 30-day process, which contradicts the law that mandates a 4-day blocking requirement for identity theft cases. This misinformation and failure to act have caused financial and reputational harm. 

Following my initial CFPB complaint ( # XXXX ), XXXX responded to the CFPB on XX/XX/year>, stating they were still working on the issue and might require up to 60 days. This response ignores the statutory 4-day requirement and continues to perpetuate the misinformation that disputes, even in cases of fraud, take 30 days or more. While their investigation can proceed, XXXX is legally obligated to block fraudulent information immediately once proper documentation is received. 

Despite submitting all necessary documentation, including a police report, identity verification, and an SEC report, and notifying XXXX that I had the FTC Identity Theft Report ready, they have delayed taking action, violating the law and causing significant damage to my creditworthiness. The response to the CFPB demonstrates that XXXX is sidestepping its legal obligations, further damaging my financial standing and perpetuating harm. 


Additionally, Experian faced similar compliance issues regarding my fraud dispute, causing delays and harm to my credit standing. Both credit bureaus are failing to uphold their legal obligations, despite my proactive efforts to resolve these issues. CFPB # XXXX Experian Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.