23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express won't resolve a dispute in my favor with XXXX  for a defective and stolen phone shipped to the United States. They wanted me to pay for a high return shipping XXXX {$67.00}! ) even though the phone isn't compatible with any major US carrier and results in a suspension of service. Charged {$410.00} on XX/XX/2021 dispute reference # XXXX. Complained to FTC and FCC complaints attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$570.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$75.00} ( Original Creditor : ) XXXXBalance : {$150.00} XXXX XXXX Balance : {$13000.00} Date Opened : XX/XX/2019
Product: Credit reporting or other personal consumer reports

Experian has inquiries on my report I have never done or had any knowledge of. 

Accounts : 1.XXXX XXXX XX/XX/XXXX/2024 2.XX/XX/XXXXXX/XX/XXXX2024 3.XX/XX/XXXX of XXXX XX/XX/XXXX2024 4.XX/XX/XXXXXXXX XX/XX/XXXX/2024 5.XX/XX/XXXXXXXX XXXX XXXX/XXXX/2024 6XXXX XX/XX/XXXX XX/XX/XXXX24 7.XX/XX/XXXX XX/XX/XXXX2024 8. XX/XX/XXXX XXXX/XXXX/2024 9. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX2024 10. XXXX XXXX XXXX XXXX/XXXX/2024 11.XX/XX/XXXX XX/XX/XXXXXXXX/XXXX/2024 12.XX/XX/XXXXXX/XX/XXXX/2024 13. XX/XX/XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

I writing to file a complaint about Amsher Collection Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a debt collector trying to collect a debt in the amount of {$320.00} in which the original creditor is XXXX. I have contacted Amsher Collection Services on XX/XX/2022 and XXXX on XX/XX/2022. 
The problem is this XXXX was opened in the name of XXXX XXXX XXXX XXXX. which is an XXXX corporation but Amsher Collection Service has attached this debt to my personal credit profile. When I contacted them and requested that this account be removed from my credit report. Their representative told me that she didnt know what to do about it and she had to ask a supervisor. She never returned to the call and hung up on me. I called back and was redirected back to the same personal who number went straight to voicemail. I left a message but my call was never returned. When calling XXXX I was a first hung up on when I first tried to resolve this situation but on my second call in for in touch with a representative named XXXX who also agreed that this account was opened in the name of a XXXX corporation and should not be showing on my credit report. He said he made a request that the account be deleted and XXXX would stop all future collection actions for this account. He stated he would give me a callback on XX/XX/2022 at XXXX XXXX. Although, to date I havent heard anything back from XXXX or XXXX. I have disputed this account with all ( 3 ) bureaus but has yet removed this account from my credit report. 
XXXX has to date validated this account as accurate but has failed to explain how being that the account was opened by a corporation using an XXXX number for the business. I have forward a copy of the bill to XXXX in the name of XXXX XXXX, XXXX. along with a copy of a tax filing for the business which was an XXXX form filing to shown that this business is and has always be a corporation. However XXXX once again validated the account as accurate. They and all your help in resolution of this matter is greatly appreciated. 

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

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for Texas XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on XXXX. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called Experian 's Fraud Alert call center and spoke with XXXX. He confirmed that Experian had the same item reported on my credit report with Experian. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to Experian that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that Experian and XXXX ( and presumably XXXX also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with XXXX and Equifax aboutUNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were "  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had XXXX XXXX XXXX added till now were NOT AUTHORIZED and I asked to have them investigated and removed " XXXX '' completed their investigation on XX/XX/XXXX & Equifax completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
Product: Mortgage

Despite me repeatedly telling XXXX XXXX AND RUSHMORE that I do not live at XXXX XXXX XXXX XXXX NY but I do have an interest in the home and I am responsible for the mortgage giving them ALL proof that I have not lived there since XX/XX/2003 That I remarried and that is where my ex wife and children live they continue to proceed with an illegal foreclosure by giving me ABSOLUTELY NO NOTIFICATION of what was transpiring NO NOTIFICATION OF COURT DATES NO NOTIFICATION OF OPTIONS AVAILABLE XXXX XXXX XXXX XXXX even has other addresses where i lived in their files yet in order to move forward and illegally foreclose they keep sending everything to the XXXX address Even after I did find out about the foreclosure and told them in COURT MY ADDRESS HAS NOT BEEN XXXX XXXX they ALL CONTINUE TO SEND ME NO INFORMATION EVERYTHING STILL GOES TO XXXX XXXX XXXX XXXX NY The banks Attorney committed fraud upon the court by affirming that they served me The servicer and bank committed fraud upon the court stating they have the note when the banks other Attorney clearly states they do not have the note. I have repeatedly requested what was paid what is owed I get NOTHING yet they want to foreclose they told me on the phone you had 6 years to fix this you havent I could not fix a problem I WAS UNAWARE EXISTED
Product: Credit reporting

I contacted equifax on XXXX/XXXX/15 regarding a public record listed on my report. I have disputed this item several times and every time they keep coming back stating that it is verified. When asked details of how they verified they refuse to provide me any details. On XXXX/XXXX/15 I spoke to XXXX at equifax over the phone regarding this public record listed on my report and that it is inaccurate and I would like details on how they verified it because I had spoken to the courts that this public record is listed from and they advised that they do not honor any verification requests from any of the credit bureaus. Equifax failed to provide me with details on how they verified this information only stating that it was verified. Per the law I am entitled to request details on the investigation process and as of right now they are willfully non complaint with my request. If they are unable to provide me with details on how they verified this information directly from the courts They need to immediately remove the public record being listed or I will be forced to take legal action against them for non compliance. I want details of how they verified this information, what date they verified it, method of contact with the courts, what was obtained, did they obtain original docket papers from that case.
Product: Credit reporting or other personal consumer reports

The account is not reflecting an accurate representation of my credit. By Reporting a charge off monthly as payment history.
Product: Mortgage

I started my 1st refinance process in XX/XX/2020, I supplied ALL documents they have requested. I paid out of pocket for my appraisal which was promptly completed. Hee 's where my problem comes- They have done 2 hard inquires on my credit causing me to take a total of a XXXX point hit. They have taken so long to complete the process and keeps asking for the same documents over and over even though already submitted. 
- I have called them several times and have received NO information on how or when this process will be completed. Calls go unanswered. My last loan officer QUIT after doing a credit inquiry just a few days ago. Since then it's just a run around in circles. PLEASE INVESTIGATE THIS COMPANY. LOOK AT THEIR REVIEWS I AM NOT ALONE. HELP!!!!!
Product: Debt collection

Contacted via phone to collect debt, never received a debt collection letter from XXXX  XXXX. Stated to Convergent that I never had a XXXX account, and suspect this was a XXXX account opened by someone else. XXXX debt is for {$160.00} from XXXX, do not know exact date because I was never provided a Debt Collection letter. This debt is over 14 years old and obviously exceeds the statute of limitations for debt collections. After stating to Convergent that this was not my debt, I received a letter stating they contacted XXXX and XXXX indicated that the Identity Theft claim on the account is not valid. I called Convergent on XX/XX/XXXX and explained that I did not incur this debt and that it is outside the statute of limitations and to cancel this debt, they stated they could not cancel and debt would remain open. I then called XXXX on XX/XX/XXXX and verified with XXXX that I DO NOT owe them any money. As stated to Convergent, I have never had a XXXX account and XXXX confirmed this information.
Product: Debt collection

This company calls, disconnects when I answer, when I call the number back there is a recording that says they are a debt collector. When I speak to a representative, they ask for personal information from me, but refuse to provide any valid proof that they are legally licensed to operate in my state. They have called me over 100 times since XX/XX/2020, yet have never once disclosed what debt they are trying to collect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patenly incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the reinvesigation of information and lousy attemped was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are not investigating my claim of a mistake in reporting 30-60 days late on my credit reports. They keep telling me, All they do is pass on the information from my mortgage company they dont investigate. 
I called my mortgage company on XX/XX/XXXX, the day the CARES act was enacted and requested to be on forbearance and after a lengthy question and answer period was verbally approved for forbearance on XX/XX/XXXX. On XX/XX/XXXX, I called the mortgage company to verify I was on forbearance to make sure the XX/XX/XXXX payment was not going to be 30 days late. The mortgage company assured me on XX/XX/XXXX, the XX/XX/XXXX payment would be covered under forbearance. I then contacted the mortgage company in XXXX of XXXX and entered a three-month trial period for a loan modification. After I started making trial period payments the mortgage company reported me being late for XX/XX/XXXX. The mortgage company said I did not make my XX/XX/XXXX payment and because I was no longer protected under forbearance, they were allowed to report me as late 30 and 60 days. 
I contacted the mortgage company and they told me I would need a subpoena for the phone records for XX/XX/XXXX. I have phone records from XXXX showing I had two conversations totaling over 2 hours with the mortgage company on XX/XX/XXXX, and three emails sent to me from them on XX/XX/XXXX. For some reason now the mortgage company is stating " their records show I was placed on forbearance XX/XX/XXXX, with no evidence to show this date on anything. 
Please help I am a 100 % service-connected XXXX veteran and I have never been 30 days late on any mortgage payment since we bought our home over 8 years ago. 
Thank you for your time, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Furnisher : XXXX XXXX amount {$700.00} Collection Agency reporting incorrect Info : XXXX XXXX Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to XXXX XXXX XXXX. 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with Experian.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX Date Opened XX/XX/2022 Balance XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX I used a USBank atm outside their branch to deposit {$900.00} cash and I received an Error message and receipt with a phone number, claim number and information on how to file a dispute. 

I called the number on the receipt to file a dispute the same day at XXXX, I was on the phone for XXXX minutes XXXX seconds. The agent that was helping me out said that since it had recently just happened I would have to wait until the next business day to find out if the money will be in my account. Since it was XXXX 's day weekend I would have to wait to call back on Tuesday if the money was not in the account. 

I waited until Tuesday XX/XX/XXXX, called back at XXXX since the money was not in my account. I spoke to a different agent for XXXX minutes and XXXX seconds who verified who I was and stated that it was weird that the first guy didn't just go ahead and start a dispute for me. He asked for the SUS number that they use to look up claims and said that he would start a claim for me and asked me to wait XXXX business days while they investigate and see what happens. 

On XX/XX/XXXX, tired of waiting my money to be deposited back on my account I called back, spent XXXX minutes and XXXX seconds on the phone only to be told that the dispute was never filed and that it is already late and going to be more difficult to find out what happened. I was told that it was XXXX of me to not go into the bank every morning to see if the ATM regulators, that are not part of US Bancorp, have found my money. I was then told to go back to the branch where I used the ATM and ask to speak to someone in person. I walked on over and and spent another hour while XXXX in the XXXX XXXX Branch helped me out. They had finally filed a dispute for me. They kept asking if I deposited the {$900.00} cash in an envelope which I said no, their ATM 's outside do not take money in envelopes, which she should know. I was told that I would have to wait up to 45 business days while they investigate and that since I do not know the exact denominations that were deposited that it would be difficult and a chance that I would not get my money back. 

On XX/XX/XXXX I called back to check, I spent XXXX XXXX seconds on the phone only to be told that my dispute was already settled and that they have found no money and I would not be getting anything back. I was told that I was sent mail explaining why I lost the dispute and that it most likely got lost in the mail since I had never received anything. I filed another dispute to investigate what was going on and why they dismissed my dispute. I do not feel like they did their best to investigate especially since they said it would take up to XXXX business days and I received no mail, email or call. I asked to please be called as soon as they are done with their investigation this time and was told that it is not possible, it is against their policy to do anything but mail the information. The information that I never received in the first place because " it was most likely lost in the mail ''. I know have to wait until they decide their verdict and hopefully receive information this time.