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

XX/XX/year>, I looked at my report. I sent a letter to experian on XX/XX/XXXX asking them to reinvestiagate these accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Who is XXXX. XXXX has not supplied the permissible permission to access my credit report.
Product: Credit reporting 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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 XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXXXXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate and unverifiable accounts unresolved, including an auto loan with XXXX XXXXt showing a balance of {$9500.00}. 



The auto loan pertains to a vehicle that was a lemon, with significant mechanical issues, including a hole in the oil bedpan, rendering it unusable within six months of purchase. Despite my efforts to repair the vehicle and communicate these issues, the balance was sent to collections unjustly. XXXX has refused to acknowledge or address this context, failing to remove or correct the account despite multiple disputes and supporting documentation. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses from furnishers, and neglecting to notify consumers of dispute outcomes adequately. 



These systemic failures align with my personal experience, as XXXX has neither corrected nor removed inaccurate information from my credit file, further compounding financial hardship caused by this unresolved dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was oppened without my knowledge. Ive disputed it multiple times with the credit beuroes. Keeps coming back as " Account was in dispute-now resolved-reported by subscriber ''. Inncorrect reporting for multiple reasons. It's shows on time payments since XXXX ( 6months ) I've only made 1 payment ever last month ( XXXX ). " XXXX XXXX XXXX XXXX has flagged your account as Card Over Limit ''. I made the first payment ever last month to bring the balance down when I called and asked if I should make another payment I was advised not to because it was in dispute. So I didnt, and the following month they charged me interest or something on a closed account that I was told not to pay now the balance is higher than the limit it had. This company has no intention on resolving this they make me jump through hoops and keep me in a negative standing meanwhile. They have never kept me updated but continue to make up stuff on my credit report. Definitely a violation of the FDCPA 807, and the FCRA. Could you please look into this and get it resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXX at the XXXX XXXX USA XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX  bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added one to mXXXX XXXX XXXX but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. XXXX XXXX XXXX XXXX reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called XXXX several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with XXXX XXXX XXXX XXXX ( XXXX ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
Product: Debt collection

the name is CLIENT SERVICES and they called 2 times within a span of 30mins this is harassment beyond belief.. 

they called on XXXX XXXXXXXX they called on XXXX XXXXXXXX they called on XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX  XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} TXXXX  XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The account I am inquiring about is national credit systems
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an identity theft victim dating back to 2018 with XXXX police reports that were sent to Experian, XXXX and XXXX. It is 4 years later and my credit still a mess so I hired a credit repair company to help me considering no one else helped. Once again Experian put a fraud alert on my credit preventing me from getting a place to live. They refuse to remove it. The identity theft was committed by my ex husband. I do not want my credit reports with any freeze or fraud alerts. I have had enough. Experian refuses to remove and illegally added the alert. XXXX removed immediately with a phone call Please help me as Experian should be fined.
Product: Mortgage

We have applied for Mortgage Assistance through the XXXX XXXX  XXXX XX/XX/XXXX. We have been through HUD counseling and they have reached out to our lender via fax. We were in a loss mitigation process with them until their offer dated XX/XX/XXXX where they wanted almost {$20000.00} to restructure our loan. We had until XX/XX/XXXX to respond. We did not receive the package until the week after XX/XX/XXXX. 
I have a nervous disorder and the XXXX of the XXXX  and our financial situation during it ; i became ill. I did have a mild breakdown in XXXX if XXXX and sought medical advice during that time. My system shut down on me. I could not handle the paperwork or the XXXX. I have handled all during our 37 year marriage. I did file the paperwork on XX/XX/XXXX and included the foreclosure papers which expedited our application immediately to the foreclosure department. We are asking that the CFPB investigate Gregory funding on their legal fees etc and handling of partial payments on our account during the pandemic and now. 
I spoke directly to the loss mitigation department yesterday and they are unwilling to postpone the sale of our home on the courthouse steps on the XXXX of XX/XX/XXXX. 
I did contact their attorneys yesterday also. I forwarded them the hardship letter from HUD where we went through counseling with them and have shown our ability to afford our mortgage now. Plus we sent the notice posted by CFPB regarding homeowners rights in the application process for assistance from the XXXX XXXX XXXX in XXXX of XXXX, and their scrutiny of lenders who do not honor the process to help their mortgagees in this process. 
We The attorneys told me they would speak to their client and call me back. Due to the time sensitivity of this matter ; i have previously filed a complaint during the pandemic when they tried to foreclose when the moratorium on foreclosures was lifted in XX/XX/XXXX. We have satisfied {$10000.00} of the {$11000.00} we owed them. We filed a Chapter XXXX on XX/XX/XXXX, XXXX had sale date then of XX/XX/XXXX. We had to refile a XXXX in XXXX of XXXX when my husband lost his job The Friday before XXXX XXXX. Through the two bankruptcy filings our mortgage balance increased. We will refile a XXXX to stop the foreclosure but think that is waste of XXXX Bankruptcy XXXX time attorney time and more fees added to our already ridiculous fees on our account. 

Thank youfor your assistance in monitoring these lenders and their unfair practices.
Product: Vehicle loan or lease

I bought a car from US Auto Sales in XXXX XXXX  on XX/XX/XXXX and they did not pay for my warranty, I have picture proof evidence of when my contract was stopped being paid for from XXXX. My contract was signed with US Auto Sales and was sold to Westlake portfolio management without my knowledge. I totaled my car in XXXX of XXXX, Westlake told my insurance company that I had GAP but when they talked to me, they told me I did not have GAP. I am now hurting with bad credit due to Westlake illegally having my contract. My contract was not fulfilled. US Auto Sales screwed me over and now Westlake is.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : Bankruptcy Federa XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more! 

In accordance with the Fair Credit Reporting Act, everything has everything must be 100 % accurate on my credit report. 

The credit bureau 's stated my accounts were properly investigated, but how is that possible if the last active dates and dates last reported are inaccurate? This is grounds for removal. 
They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A, Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I did not give anybody any written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act US BANKRUPTCY COURT CA LA ACCOUNT # XXXX & ACCOUNT # XXXX, have violated my rights. 

15 u.s.c 1681 section 602 a. states I have the right to privacy. 

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I signed up for a loan pre-COVID and have made regular payments on-time to Rise Credit. When the pandemic happened, I lost my second job and reached out to Rise for additional help. They deferred a few payments but the annual interest is 220.68 %, which I recognize I agreed to when I signed the loan agreement. However, when I contacted them recently to come up with a resolution they told me that they can't refinance because the system is automatic and will offer me to refinance when the system allow it to. 
I currently owe {$4000.00} ( principal {$2400.00} ) When I told them I would pay {$1000.00} off per month to help bring the balance down, they said I could but that it could go back to the $ XXXX amount, which seems odd to me because I'm paying the balance down.
Product: Debt collection

Ive sent several disputes also ask all parties claming debt on my account with no confirmation of this debt by law 1692c and 1692g these items should be deleted from my account Immediately also I will be sending a Cease and Desist letter to all third parties collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 Experian every other month has right employment and then the next its spell wrong or not showing I have document after document as proof of current employment. I have reports showing error but Experian says they update month after month. Missing is XXXX XXXX - XXXX XXXX and XXXX XXXX as current employment I have uploaded tax returns check stubs as well as My state Lic. showing I'm registered XXXX My issue with Experian has incorrect information as well as employment not showing one month it's right and then nothing.
Product: Debt collection

Multiple calls a day, including calls that stack on top of each other like minutes between phone calls, I have asked them to stop calling many times and told them I would report them if they did not stop, they continue to call. Today XX/XX/XXXX at XXXX they called twice so close to each other that the time stamp for both calls in my phones logs are stamped for XXXX and XXXX. A day before at XXXX and XX/XX/XXXX XXXX stacked calls at XXXXXXXX XXXX and XXXX they are calling like this non stop even after I have asked repeatedly for them to make no more contact. They constantly change the phone number they call from as well as if it were an attempt to hide who they are
Product: Debt collection

I received a letter on XX/XX/2023, from IC Systems Inc. regarding a debt I owe to XXXX XXXX ; however I have never had XXXX XXXX as a wireless XXXX. I believe my identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX Equifax is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX