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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( s ) XXXX XXXX XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were being reported incorrectly to credit bureaus by the XXXX XXXX XXXX. XXXX has investigated and thus removed the accounts. I have contacted Transunion and XXXX via certified mail to follow suit and remove the accounts. I have not received an update as to the status of the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX6 XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Seventh Ave has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Seventh Ave continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing dispute with Experian for two accounts that have remained on my credit report even after the Chapter XXXX bankruptcy public record was removed from my credit report. The public record was removed by dispute from my credit report due to inaccurate information listed on or around XX/XX/XXXX. Since that time, I have disputed exhaustively, to have the accounts deleted from my credit report for the below accounts. These are the accounts and dates disputed for each : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. Each dispute has come back accurate and verified, I would think from the respective creditor, but who really knows how it's actually being verified. If in the event it is actually being verified by the creditor, then their information is still incorrect. The account status and status date must match, and the status date that is being reported is incorrect and would actually need to match the filing date of the Bankruptcy that was removed.
Product: Credit card or prepaid card

So somebody got a car in my name it was paid for I spoke with Experian XXXX customer service line and they said I got a car I was like what I don't even drive. So basically I know I'm being frauded and it's messing up my credit please my name is XXXX XXXX please help
Product: Mortgage

Reference : Mr Cooper Loan/Mortgage # XXXX Hello, Approx 2 years ago, had many issues with Mr Cooper- PMI XXXX escrow etc. Refer to case # XXXX. Issues were resolved at that time..pmi and escrow removed ... all has been well. 

As of a few weeks ago ( XX/XX/XXXX ), i received request to provide mr cooper with current hazard insurance information. I responded immediately providing the new policy number ( paid in full and ends in XX/XX/XXXX ), phone number etc for my XXXX XXXX XXXX policy. My previous policy was with XXXX too. 
No lapse is coverage ever occurred and taxes are fully paid. 

Next thing you know, Mr Cooper is trying to reopen a new escrow account for me as of XXXX, XXXX. I didnt not request nor want this. I called Mr Cooper ( spoke with XXXX XXXX and asked whats going on and again, its the same incompetence i experienced two years ago with all the issues. I then left voicemail for XXXX XXXX ( Mr Cooper Mgmt ) who helped me two years ago. 

Pls help me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. XXXX shows one late payment and XXXX and EXPERIAN shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX  XXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX  XXXX complies with consumer law 15 U.S. Code 1666b.
Product: Debt collection

On XXXX2016, my identity was stolen by a woman who was living with me. I went to the police and filed a report against her. They could not find her. I then noticed things on my credit was not accurate as I went to apply for a car loan. I seen there was numerous inquiries and items on my report that was not authorized by me. Two credit cards from capital one. One amount for XXXX and another amount XXXX. I have joined two credit repair agency to help resolve this and I have also contacted the credit card companies themselves giving them a copy of the police report. They refuse to remove the items from my report and they label the debt as accurate information when it is not and I have provided them proof.
Product: Credit reporting or other personal consumer reports

I have identified XXXX separate accounts on my credit report that were closed on their respective dates, yet all are continuing to report missed payments monthly through XXXX, XXXX, and even as recently as XXXX. This is inaccurate, misleading, and violates the Fair Credit Reporting Act. 

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/XXXX All of these accounts are continuing to report new missed payments after closure, which falsely implies ongoing default activity. I request that the late payment reporting cease as of each account 's actual closure date, and any subsequent derogatory reporting be removed.
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Debt or credit management

I worked with Freedom Debt Reliefs debt consolidation program, and I was under the impression when I signed up that all of my cards would be paid off and thats why I would be paying a flat-rate fee to Freedom debt relief. That was not the case. What happened was that they allowed all of my cards to get more and more delinquent so that they could negotiate a better deal, which I was not aware they would be doing, and which resulted in me getting harassed by creditors, them showing up at my house, getting sued, but worst of all ; my credit significantly declining. When I tried to address it, they told me to just trust the process and basically said there was nothing they could do. I ended up paying off all my debt, but the creditors were a headache to deal with and now my credit score has significantly declined, hurting essentially every area of my financial life. They were not upfront about their processes or the potential repercussions associated with going through their program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of Suntrust bank ( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in Maryland on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from XXXX XXXX concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XXXX XXXX  and XXXX XXXX ) I checked and it was for XXXX XXXX XXXX in Illinois. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry into my credit without my permission. " OneMain Financial ''. On XXXXXXXX XXXX ; ref XXXX. I have not heard of this company, did not make any credit applications and I do not think this is a legitimate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through annualcreditreport, I purchased the Equifax XXXX credit score for {$7.00},  however, the website instructed me to call Equifax customer service. After calling Equifax and speaking with 3 different people, they told me 1 ) the credit score was emailed to me but I never received it and 2 ) a Supervisor finally told me there is no such product. My credit card was charged 3  times by Equifax and yet they are saying there is no such thing. I am still unable to access my credit score with them. Checking my credit score using XXXX, Equifax shows they dropped my credit score by 78 points with 5 good changes of on-time payments that decreased my balances and one increase of {$32.00}  on a store credit card. This drastic drop on my credit score for a {$32.00} increase on one card seems horribly wrong! Please help!
Product: Mortgage

On XX/XX/2021 I submitted my initial complaint XXXX in which I stated tha I am unable to access my account to set up automated payments or review any information. Since then I have made multiple attempts to resolve the issue contacting customer service and escalating the issue to SLS escalation department. I have contacted the primary escalation supervisor, XXXX XXXX XXXX, multiple times and left voicemails. He has failed to respond or return any of my calls. 

I have been told that my account fully transferred from XXXXXXXX XXXX to SLS on XX/XX/2021. My final payment to XXXX of {$3000.00} was transferred to SLS shortly after. It has not been applied to my loan. On XX/XX/XXXX, made an electronic payment from my personal XXXX account to SLS. It was received by SLS on XX/XX/XXXX. SLS refused the payment ( see attached ). On XX/XX/XXXX, I made a payment to SLS via the phone of {$2200.00}. This combined with the {$3000.00} should have been applied to my XXXX payment. Neither of these payments appears to have been applied to my loan as my latest notice from SLS shows an outstanding payment balance of {$10000.00} I have no faith in SLS managing my payments via the phone or accessing my personal checking account. I would like to be able to make the payments via my chase account and have documentation that they are paid.
Product: Checking or savings account

I do not owe money to this bank. I called the bank and they refused to speak to me regarding this fraudulent account balance. They hanged up the phone on me. They are refusing to speak to me regarding this issue. Please remove this account from my credit report.
Product: Debt collection

Portfolio recovery associates llc continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by XXXX XXXXXXXX XXXX for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

A debt was listed on my credit report by XXXX and they got a judgement. My bank account was garnished and just recently, the garnishment was released. Capital One bought out XXXX and I don't have a contract for a debt with Capital One. The information for a debt with XXXX is incorrect.
Product: Mortgage

My father 's house had a reverse mortgage, serviced at the time of his death by Reverse Mortgage Solutions , Inc. RMS contacted me by telephone eight ( 8 ) days after my father 's death to request a copy of his death certificate. Once the XXXX had prepared the Death Certificate, I scanned it and sent it to RMS via e-mail. In the body of that e-mail I indicated my intention to pay off the mortgage through the proceeds of the sale of the house. I sent RMS a copy of the listing agreement with a local real estate firm for the sale of my father 's house five ( 5 ) months after his death. RMS acknowledged receipt of the listing agreement via e-mail. Less than six ( 6 ) months after my father 's death, RMS filed a Notice of Default with XXXX XXXX, starting the foreclosure process. I now face the possibility of RMS taking possession of my father 's house in two months, without having the opportunity to satisfy the mortgage through the sale of the property.