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

I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, Equifax, and XXXX  have no regard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX 30 days from XXXX XXXX 30 Days XXXX XXXX 60 Days XXXX XXXX 60 Days XXXX XXXX 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Experian violating my Federally protected rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that Experian has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX : Update to Open/Never late. 


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


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian regarding its improper methods of verifying negative items on my credit report. These inaccuracies and improper verifications are negatively impacting my creditworthiness, and I am concerned about the fairness and legality of their processes. 

The specific negative items in question include, but are not limited to : Late Payments Bankruptcies Charge-Offs Collections Unauthorized or Unverified Credit Inquiries Nature of the Complaint Improper Verification Processes : I have disputed the accuracy of several negative items on my credit report, including those listed above. However, Experian has responded with vague and generic statements that they " verified '' the information without providing any detailed evidence of their verification process. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when disputes are submitted. I believe Experian has failed to comply with this requirement. 

Failure to Provide Documentation : I requested verification and documentation from Experian to substantiate these negative items, but they have not provided concrete proof, such as original creditor agreements, account records, or any other evidence. Their failure to provide supporting documentation suggests either a lack of proper investigation or a reliance on automated systems that do not meet FCRA standards. 

Retention of Inaccurate/Unverified Information : Despite my disputes, Experian continues to report items that are either unverifiable or inaccurate. This includes credit inquiries that I did not authorize and outdated items, such as bankruptcies or collections that have exceeded the statute of limitations for reporting.

Impact on Creditworthiness : These negative items are adversely affecting my credit score, limiting my access to credit, and impacting my financial opportunities. Experian 's improper handling of my disputes exacerbates this harm. 

Desired Resolution I request the CFPB to investigate Experian 's practices in this matter and take the following actions : Ensure that Experian complies with the FCRA by conducting reasonable investigations for all disputed items. 
Require Experian to remove any items that can not be properly verified within the required time frame. 
Hold Experian accountable for failing to provide supporting documentation for the disputed items. 
Investigate whether Experian 's automated verification systems are compliant with federal standards. 
Impose penalties if Experian is found to have violated the FCRA. 
Supporting Documentation I have attached the following supporting documents for your review : Accounts listed but not limited : XXXX. XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT ON XX/XX/year> XXXX XXXX XXXX # XXXX Written off, paid in settlement. 
XXXX. Bankruptcy chapter XXXX # XXXX XXXX. Bankrutpcy chapter XXXX # XXXX XXXX. Multiple Credit inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my police report stating that I am a victim of Identity theft. 
As of Recently I have inquires on my report that I should not have. The inquiries are from car loan companies. I have not been shopping for any cars. Matter of Fact I have a car that is paid off that I am currently driving. 

Listed below are the companies that are on my credit report in error : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called each company to have this information removed but they all said to reach out to the credit bureaus. Vice versa the credit bureaus adv me to call this companies. 

Lastly XXXX. XXXX and XXXX are showing on my credit report as unpaid I have a letter from XX/XX/XXXX stating that balance is paid in full. 

Please help in getting this removed from my report.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach. Which is a violation of the family educational kignts and trivacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. $ 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective 89.7 KI actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax canoed. which invalidates the integrity of my loan XXXX
Product: Credit reporting or other personal consumer reports

This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauEquifax. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter. 
Account name/number : XXXXXXXX XXXX XXXXXXXX I am not liable to any debt with XXXX  XXXX XXXX, I did not contract with XXXX funding and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus. 
The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively impacting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. 
The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard.

Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report.

The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX and XXXX. The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate these accounts immediately. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}.
Product: Credit card or prepaid card

This credit card was a compromised card.this card was sent to the fbi cyber unit XXXX XXXX XXXX 
Was told there was nothing could be done. 
This has caused negative remarks on my credit reports. 
There is no contract with this collection agency. 
XXXX XXXX XXXX There REFERENCE ID IS XXXX The amount is XXXX
Product: Debt collection

this company continue to harass me keep sending the same bill with different account number and change the amount to make it look different but the account number will have some numbers that are the same as the other bill. And change the date on it. Amount now XXXX company XXXX XXXX And wrong name spell wrong.
Product: Debt collection

On or around XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor ) sent account for {$690.00} to Professional Credit Management ( Collection Agency ) On or around mid XX/XX/XXXX or XX/XX/XXXX XXXX XXXXl also sent another account in the amount of {$480.00} to the same collection agency in error. The original creditor never filed this with my insurance provider. 

I have spoken with several different people at XXXX XXXX XXXX Department and XXXX XXXX agency to get this matter resolved. I have been unsuccessful in getting the {$690.00} removed. I did not authorize XXXX XXXX  to share any information with anyone which is a violation of the HIPPA LAW.
Product: Debt collection

XXXX was sent to a collection company several years ago for an unpaid phone. At XXXX years, it dropped off my credit after I disputed it. XXXX months later, they filed with a different collection company. I have disputed it again and they are refusing to comply.
Product: Credit reporting or other personal consumer reports

I am with mountain America credit union more then 15 years, I pay on time, many loans, they provide when they are small credit union, we got all help, after I lost my job 2022 XXXX and I purchased home hard to pay my l car loan, signature loan {$600.00} XXXX ask them reduce my monthly payment, I am ok with 15 % interest rate, loan insurance {$60.00} 2 loans, even I am refuse to pay, force me to pay, late extension fee XXXX dollars, even I explained many time my situation, even make member, no courtesy or help, late fee they charge XXXX dollars it is not over drop fee, even reject service only they need money,2 years ago I moved XXXX XXXX they don't have any location, that time I use my local credit union XXXX XXXX they charge only {$15.00}, I get help for make transaction but my bad luck they step out, all small credit unions I work hard I am XXXX XXXX, I never drink, XXXX XXXX  person I am XXXX XXXX XXXX XXXX XXXX  XXXX my wife in bad health condition I am looking forward your help and support
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  showing late payments asked kindly to display show burden of proof data furnisher has not shown me statements, situation was fixed a month ago, and they repudiated the account to late after I proved them that I had a binding agreement for payments to be shown as payed and current. 

XXXX XXXX showing XXXX late payment, please update account I payed on time last month self lender
Product: Credit reporting

I am a victim of identity theft and someone stole my personal information and identity to open unauthorized and fraudulent accounts and inquiries. I have received harassing and threatening telephone calls and death threats from various credits in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : 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, The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX
Product: Debt collection

Portfolio Recovery bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

Portfolio Recovery Assoc. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by Portfolio Recovery to the account to bring the account current. 

Portfolio Recovery then proceeded threaten to suit me and finally file a law suit against me.
Product: Checking or savings account

Someone opened a fradulent bank account in my name. 

Chime bank account was fradulently opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$31000.00} ; XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We believe in the importance of transparency and fair treatment for all clients. However, our recent experiences have raised questions about the intentions behind certain practices and whether they are inadvertently causing harm to homeowners like ourselves. 

We kindly request a thorough investigation into these matters to ensure that your company upholds the highest standards of integrity according to RESPA, XXXX, XXXX, and beyond Additionally, we seek clarity on the specific reasons behind our recent rejection as we seek Mortgage Relief and attempts to pursue legal remedy or allow weaponization of the law according to the information provided seems inconsistent with our understanding of the situation and this could affect the relationship over years, equity, the effectiveness of the original contracts, transparency in real estate market in general and specifically and current issues, and the accounting issues adding onto the hardship for which occurred and being ignored. We continue offer the opportunity and seeking the kind respect to similar to ensure no damage or loss would overcome the truth and reality or giving the advantage to certain practice contracting with what the law provide to protect.
Product: Money transfer, virtual currency, or money service

I was contacted through XXXX by an alleged military man who for 2 months based on deceit convinced me to make 2 wire transfers, the first for {$3600.00} and the second for {$12000.00}. I have evidence of the same. He was an alleged soldier based in XXXX and struck up a friendship after an alleged personal interest, in an alleged mission he was awarded {$400000.00} for his performance and for having saved the lives of some hostages, but due to his situation and security he could not be kept safe. he that money. He told me that his mother had passed away, his father had XXXX and he had no one. Believing that he was not going to involve something monetary on my part, I agreed because there was already an affection and he knows how to gain my trust. Then a supposed shipping company writes to me called the package is being held by customs and in order for it to be sent to its final destination, you must pay {$12000.00} to grant one of the permits. The transfer of {$12000.00} was made on XX/XX/2022 with the promise that it would be paid once the alleged money arrived.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX VA XXXX I XXXX XXXX looking over my credit report and found that there are 2 charge offs reporting. This is confusing because I never received 1099 forms for the charge offs. I want the 1099 forms mailed to me and the balance to reflect a {$0.00} balance. The accounts in question are as follows : 1. Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reason : Do Not consent to this private personal information being reported. I am opting out of these accounts being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX XXXX