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

I am writing to express my extreme dissatisfaction with Experian 's handling of a dispute letter and subsequent complaint I filed regarding inaccuracies on my credit report. Despite numerous attempts to resolve this matter in a timely and appropriate manner, I have been met with silence and neglect on the part of your company. 

On XX/XX/2024, I submitted a formal dispute letter to Experian regarding inaccuracies on my credit report. Attached you will find a copy of the original dispute for your reference. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, XXXX XXXX Code XXXX, Experian is obligated to investigate and respond to disputes within 30 days of receiving them. However, I have yet to receive any acknowledgment or response from Experian regarding my dispute. 

In light of Experian 's failure to respond to my dispute letter within the allotted time frame, I escalated the matter by filing a formal complaint on XX/XX/2024. I received confirmation of my complaint under ID XXXX, indicating that Experian 's XXXX was " in progress '' as of XX/XX/2024. Despite this acknowledgment, I have not received any further communication or resolution from Experian. 

It has now been well over the XXXX and XXXX periods stipulated by the FCRA, and Experian has XXXX to fulfill its legal obligation to investigate and respond to my dispute. This failure to comply with federal law is not only unacceptable but also indicative of Experian 's disregard for consumer rights and fair credit reporting practices. 

I am deeply concerned that Experian is abusing its power under the FCRA and failing to uphold its responsibilities as a credit reporting agency. This negligence has resulted in undue stress and financial uncertainty for me, as the inaccuracies on my credit report have the potential to impact my financial well-being and future opportunities. 

I demand that Experian promptly investigate my dispute and provide a comprehensive response in accordance with the FCRA. Furthermore, I expect Experian to take immediate corrective action to rectify any inaccuracies on my credit report and ensure that my rights as a consumer are fully protected. 

If Experian fails to address this matter satisfactorily within a reasonable time frame, I will have no choice but to pursue legal action to enforce my rights under the FCRA. I trust that Experian will take this matter seriously and prioritize the resolution of my dispute without further delay. 

I anticipate your prompt attention to this urgent matter and request confirmation of receipt of this letter. Please contact me at the earliest convenience to provide an update on the status of my dispute and complaint.
Product: Debt collection

I defaulted with a credit card, XXXX  which is owed by XXXX XXXX. To pay off bad debt their collection agency XXXX XXXX contacted me. XXXX XXXX set up a payment arrangement for XXXX biweekly payments. 
In XX/XX/2020 my remaining balance was XXXX which I paid in full. 
XXXX XXXX sent me a confirmation of the payment and stated on-the receipt paid in full. 
XXXX XXXX stated the would contact XXXX XXXX  of the account. being paid in full. 
XXXX XXXX  states to date they never received payment from the collection agency XXXX XXXX. XXXX XXXX the collection agency state they notified XXXX XXXX  of payment. 
XXXX XXXX sent me a fax number to fax all documents to them but the fax does not work. I mailed information to them. 
I filed a dispute with XXXX  but their result stated the XXXX XXXX  reporting wad correct. Please help me get this paid account updated. 
The account shows on my credit bureaus account derogatory, charge off XXXX which has been paid in full.
Product: Debt collection

Dear Sir/Maam I am here by attaching the reply from Experian to the request made by CFPB Case number : XXXX. I have corresponded with Experian and XXXX XXXX XXXX for almost 5 times to remove the collection account. Soon after the CFPB made the request to Experian. Experian updated the Collection to as Paid without removing completely from the account though I have paid in full. Attached are the copies of satisfaction letters with the Receipt. 

I also understand that Keeping the paid collection account will enable easy access through dark web to tap into my bank account, check everyday transactions and sell my information to 3rd party consumer marketing companies and create false utility and electricity bills. I have experienced this from last 7 years. Please enforce Experian and XXXX to remove the account immediately. No body has to buy time to scam online.
Product: Mortgage

Seterus purchased a portfolio of default, non-performing loans from XXXX. XXXX of those loans is on a property at XXXX, TX XXXX that is owned by XXXX XXXX and XXXX XXXX. Their appears to have been under false information as it was a " XXXX home '' loan with a requirement for only the owner to occupy. They have never lived in the home. The home has been abandoned and vacant for well over a year. Since XXXX originated a bunch of these bad loans, they sold the default loan for mere pennies on the dollar. Seterus has not taken any responsibilities for this property. It has been broken into and had illegal squatters creating crime for the neighborhood. Seterus is happy to just sit on these loans. However, these unmaintained, vacant and abandoned homes are tearing up and really great neighborhood. It is attracting crime. We just want Seterus to maintain and secure the home if they have any thoughts of foreclosing. If not, then release the lien so it can be sold. The current owner has default and can not make arrangement for resolving the default. So, we the neighbors are STUCK with a vacant, abandoned home that attracts crime. Why should we pay just because Seterus has rights for the loan but refuses to take any responsibility until it so deems it is their best interest. What about the neighborhood?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint specific to Goldman Sachs about an Apple Credit Card. I followed up with a note about the credit card being approved then was told that it was not. 

This week I received notification from Marcus by Goldman Sachs about a pre-qualification loan option on XX/XX/2022, which I did not request. I looked at several options but did not approve Goldman Sachs to review my credit file, nor did I select them for this loan. There were several that came up and I decided not to request a loan. This is interesting because out of the 6 organizations that were listed in the same format this organization was the one that decided to pull my file as if I agreed to move forward with them.

Something needs to be done about Goldman Sachs and it appears that this organization may be bias. I am beginning to conclude that this organization is not working in the consumer 's best interest. I will contact my local congressman/congresswoman and let them know about this issue. Nothing was done about the first complaint. It was closed. I have attached the file for the original credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXXXXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX MEDICAL ) XXXX, ACT COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received XXXX HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on XXXX individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " XXXX XXXX Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from Equifax XXXX XXXX and XXXX.
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. 

Account Name : 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 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  and list of Inquiries. 

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: Debt collection

Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$1500.00} from XXXX XXXX XXXX XXXX XXXX NEVER received any notification of this amount or account. NEVER had an account with XXXX XXXX during this time period. 
When I called and asked the Credence Resource Management Representative, and also spoke with a Supervisor, would not mail documents to my address. 
I asked where they were located, and he responded : " XXXX, offshore ... '' I also asked repeatedly if this was a scam, and they did not respond. I only gave my name and zip code, then they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my XXXX XXXX account and my score was lowered and the reason given was a credit inquiry from XXXX XXXX. I have never heard of this company. I then checked my TransUnion credit report and the number given was XXXX. This led to an automated message for me to call XXXX which was TransUnion itself. When I spoke to a representative they told me my claim was XXXX and that I needed to file a complaint with the FTC.
Product: Debt collection

I was told I have a collection with XXXX XXXX XXXX on XX/XX/2018 from XXXX, XXXX and Equifax. After I explained that I have never lived in or correlated with XXXX XXXX XXXX ( I used to live in XXXX XXXX XXXX, which is an apartment nearby and sounds similar ), XXXX and XXXX agreed with my dispute. Equifax remains disagree twice without any further information. Now this collection is influencing my application to new housing and I want to get this fixed.
Product: Credit card

CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX am filing this complaint against Experian and XXXX XXXX XXXX for inaccurate reporting of the account. Please see attached for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate and conflicting information on my credit on my credit report to reporting agencies. They are reporting the following information to Shown as a collection account in both XXXX   and XXXX but an opened account in XXXX   XXXX. Date Reported XXXX. Status as Open Original Creditor 01 XXXX XXXX XXXX XXXX XXXX. Opened Date : XXXX Date Reported XXXX. Original Creditor. XXXX XXXX XXXX XXXX. 
Opened Date : XXXX XXXX Reported Date XXXX Midlandcre ActXXXX # XXXX. {$660.00} Past Due. Opened Date XXXX Individual Account. Date Opened XXXX XX/XX/2020 past due This account is also on my reprot from XXXX XXXX as a collection account
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized accounts and inquiries have been reported on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and deleted from my credit report immediately. 
XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX Date Opened : XXXX XXXX Balance : {$5700.00} XXXX. XXXX  XXXX Account : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXXXXXX XXXX  Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXXA Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am unwilling to accept your attempt to diminish the significance of my identity theft claim as a mere error or a misrepresentation of crucial information. It is important to note that you lack the authority to determine what qualifies as a material fact ; you neither serve as a judge nor a jury, nor do you possess the capacity to render such judgments. Your right to do so is unequivocally absent. My distress stems from the fact that I have become a victim of identity theft, a criminal act that has inflicted severe emotional and financial distress upon my life. Regrettably, the response, or lack thereof, from your bureau has demonstrated a startling indifference to the urgency and gravity of my situation. Allow me to be unequivocal : I will not tolerate the apathy and indifference that I have encountered thus far. As an identity theft victim, I have endured the consequences of unauthorized accounts and transactions that have tarnished my credit profile and placed my financial stability in jeopardy. These repercussions have been profound, affecting my ability to secure loans, mortgages, and even employment opportunities. PLEASE DELETE THE ACCOUNTS : 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, credit repair services, or other personal consumer reports

I have multiple negative credit reporting on my credit report from you that states I owe {$1600.00} I also have another credit that shows for {$2400.00} This has been keeping my credit score stagnated for years now. I do not know were this is coming from and want to know why this is being reported.
Product: Credit reporting

I never received any documentation other than a collection notice. I disputed the claim with TransUnion. They sent the results of their investigation stating that it was " VERIFIED, NO CHANGE ''. I called TransUnion and asked how it was verified and apparently they just called the collection agency and the collection agency said it was legitimate.
Product: Mortgage

XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX this creditor Account # XXXX has violated my rights. XXXX Under 15 USC 1681 Section 602 States I have the right privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$20000.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$20000.00} Original loan amount - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 30 60 90 120 XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - - XXXX - - - - - - - - - - - XXXX  {$0.00} Closed 4 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage account Balance on XX/XX/XXXX Loan Amount {$0.00} {$220000.00} Payment Info Status 30 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$220000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 30 30 30 30 2018 On Time 30 Days Late XXXX  XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$3300.00} Monthly Payment - Past Due Amount {$3600.00} Highest Balance {$3600.00} Terms - Responsibility Individual account Your Statement - Comments Dispute resolved reported by grantor XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX  XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Credit Limit {$4500.00} Monthly Payment - Past Due Amount {$4600.00} Highest Balance {$4600.00} Terms - Responsibility Individual account Your Statement - Comments Canceled by credit grantor fcra violations cant correct it must remove it LAW
Product: Student loan

I am to repay my student loan, my original loan payment went from {$5.00} to {$280.00} after Navient bought my loan from a creditor. this is illegal practice I do should not have to jump through hoops to get my payments back to what they were, I want a new lender to deal with.
Product: Mortgage

XX/XX/2022 And I've called serval times since to get this corrected and I never hear anything back. This is over a few months and no action has come to fix my issue.