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

XXXX XXXX has been asking Experian, XXXX and XXXX for corrected copies of his credit report since XXXX. Experian has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had 2 prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from Experian, XXXX and XXXX stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like Experian, XXXX and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is Experian, XXXX and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, Experian, XXXX and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years Experian has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, Experian, XXXX nor XXXX provided any. XXXX is retaining legal counsel against Experian, XXXX and XXXX if these acts of libel and false reports continue to ruin his credit.
Product: Debt collection

My credit report shows a collection from Midland Credit Management. I do not nor have not had any open account totaling {$650.00}. I do not believe this debt is accurate. I the natural person never gave Midland Credit Management consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. Therefore, my position is being clearly stated, the account does not belong to me, meaning that Midland Credit Management is reporting inaccurate account information within my credit file. I am well aware of my rights as a consumer. Per the language of the Act, Midland CM is in violation of 15 U.S. Code 1692e. False or misleading representations The Fair Credit Reporting Act requires that the credit-reporting agency report accurate and/or correct account information within my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting act. the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. section 602 A states i have the right to privacy,15 USC 1681 section 604 A States a consumer reporting agency can not furnish a Account with out my written instructions. account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bankruptcy Chapter XXXX dismissed reference # XXXX, Bankruptcy Chapter XXXX reference # XXXX 15 U. S.C.1681 605 No Consumer Reporting agency may make any consumer report containing any of the following items of information : Bankruptcy 15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an consumer credit plan as a late for any purpose
Product: Credit reporting or other personal consumer reports

Experians Failure to Resolve Dispute and Violation of FCRA Timeframe Dear CFPB, I am escalating this complaint due to Experians continued failure to comply with FCRA 1681i ( a ) ( 1 ), which requires credit bureaus to complete investigations within 30 days. My original complaint ( XXXX XXXX. XXXX, filed XX/XX/year> ) was not responded to until XX/XX/year>, exceeding the 30-day deadline by 31 days. 

Key Issues : Failure to Complete the Investigation Within 30 Days ( FCRA 1681i ( a ) ( 1 ) ) Experian responded 61 days after the dispute was filed, violating the statutory deadline for dispute resolution.

Because Experian failed to complete the investigation on time, the continued reporting of the disputed item is unlawful under FCRA, and the item must be deleted.

Failure to Conduct a Meaningful Investigation Experians response does not indicate any substantive verification of the disputed information.

They failed to provide proof that they obtained verification from the furnisher beyond a generic statement that the information was " updated. '' Under 15 U.S.C. 1666a and 1666b, I request verification that the required billing statements were mailed on time before reporting delinquencies.

Failure to Correct the Harm Caused by Their Violation Experians failure to act within the legal timeframe has negatively impacted my credit score, limiting my access to fair credit.

Because their delay directly harmed my financial standing, they must delete the disputed account entirely from my credit report.

Generic Response That Fails to Address the Complaint Experian 's response is vague, non-specific, and fails to acknowledge their FCRA violation.

They suggest that I submit additional documentation, which shifts the burden to me rather than ensuring their own compliance.

Experian did not explain why the dispute exceeded 30 days, nor did they provide any justification under which an extension would be legally allowed.

Requested Resolution : Immediate Deletion of the Disputed Item from My Credit Report Due to Experians failure to comply with FCRA 1681i ( a ) ( 1 ), the continued presence of the item is unlawful, and it must be immediately deleted.

Formal Investigation into Experians Compliance Practices The CFPB should review Experians handling of disputes to determine if they are systematically failing to meet FCRA-mandated deadlines.

Regulatory Action Against Experian for FCRA Non-Compliance Given that this case mirrors allegations in CFPB v. Experian Information Solutions , Inc. ( Case No. 8:25-cv-24 ), I request that the CFPB take enforcement action to hold Experian accountable for violating consumer rights.

I urge the CFPB to take immediate action and ensure Experian is held responsible for violating FCRA standards. Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

In  XXXX , I fell behind on both my signature line of credit and my vehicle loans with Navy Federal Credit Union.     They not only froze my account but also withdrew the balance without my approval
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment reported XX/XX/2023 XXXX XXXX XXXX XXXX account
Product: Bank account or service

I wrote the attached check for {$7500.00} from my XXXX XXXX account and deposited it to my SunTrust account. Of material fact, is that I have used the same accounts to electronically transfer to and from in the past since approximately XXXX without any returned checks issues from my XXXX XXXX XXXX account. The extended hold is until XXXX/XXXX/XXXX. 
Notwithstanding, the above mentioned, although said check cleared my XXXX XXXX account on XXXX/XXXX/XXXX, an unreasonable extended hold was placed on my check at SunTrust. I called the call center for assistance on XXXX/XXXX/XXXX, however such was not fore coming. I was advised to visit a branch. Please note for the records that I am XXXX. ( my XXXX XXXX income goes to SunTrust via direct deposit so they could ascertain my claim of disability. ) and such advised the representative of the challenges I have to travel without extended planning. however, I was not offered an alternative option to resolve said. 

I called back the same day of XXXX/XXXX/XXXX and spoke to XXXX management levels, including a XXXX XXXX XXXX, who denied my request to connect with the executive office for assistance. Of Material fact, I am very disappointed that SunTrust no longer has a direct contact information to its executive offices and am thus left at the mercy of the representatives to receive said. 
Please see the attached and feel free to reach me if with additional questions if required. Please advise. Thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Credit card

Apple failed to send my dispute to Goldman sacks bank and I had to pay for unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Mortgage

Several withdrawals were made from this Wells Fargo HELOQ account after I had requested that the account be closed, while it was still with XXXX XXXX. I must be able to prove the withdrawals from this account to the court in order to present my case for fraud and embezzlement, as the funds were withdrawn without my knowledge or permission. This loan is entering a repayment phase, I need proof of all withdrawals to prove the current balance of {$100000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I've had my car repossessed by this company twice. I've called and tried to get a print out of how much I've paid into the loan and they won't provide that for me. I've had this loans XXXX years and the loan amount is still the same. I was never aware of the interest rate or that the loan should of been paid off within a month. Instead they have you pay a small amount monthly and I've been doing that for XXXX years. I've looked at my bank statements and I've paid a lot into the loan.
Product: Debt collection

I have mailed letters to each creditor on my credit and not one agency sent me prove it was my debt, not one agency could verify my signature to the debts because they do not have it. I requested them to be removed and they are still reporting.
Product: Debt collection

I was a tenant at XXXX XXXX XXXX, at the time owned by XXXX XXXX. I completed my move out inspection and was told that I did not own anything. I am active military, so upon my departure by way of change of station, the called to make sure that I was halfway across the country to do another " inspection '' and added a list of charges long after my departure. XXXX XXXX later told me that they will remove the debt after Intold them what happened and they found my original move put inspection. However, they sent the fraudulent debt to a collection agency " PROFF COLL '', and XXXX no longer own the property. When I called to figure out why it was on my credit report, the current owners told me that XXXX no longer owns the property and that they do not have any record of my account. I believe this fraudulent debt should be removed from my credit report. My credit score is above 800, even with this fraud, and I make over XXXX XXXX. Therefore, I would not let a {$390.00} debt sit in collections if it was valid and I actually owed it. If it was actually my responsibility, it would have been paid long ago before it became past due.
Product: Debt collection

Portfolio Recovery has been reporting derogatory information on my credit reports. I 've made attempts on XXXX/XXXX/17 and X/XX/17 to rectify my concern by sending a certified letter disputing this account. Portfolio Recovery stated on a letter that they have reviewed documents related to the account which establish its validity as mine. This is ludicrous .... First of all I 've never ever lived in XXXX, Arizona. Secondly a billing statement does not prove the validity of a falsely account as mine. This derogatory information is a false statement on my account and is affecting my credit history, worthiness, and ability for future credit establishment.
Product: Mortgage

Wells Fargo never opened an investigation on my mortgage fraud claim. 
The documents were sent certified mail on XX/XX/XXXX outlining the arrest and indictment of the XXXX XXXX XXXX  employees who processed my original loan.Wells Fargo received the information and never took any action getting my side of the story. 
In those documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX case no. XXXX XXXXXXXX. 
XXXX ) A letter outlining what had already taken place in my foreclosure case. 
XXXX ) Forensic Loan Audit Documents. 
My Foreclosure started XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
It continued until XX/XX/XXXX. 
Wells Fargo is guilty of creating insurmountable embarrassment for me and my family. 
Driving by and taking pictures of the house over XXXX times, my neighbors noticed over the years and they started gossiping about us. Our credit and reputation have been ruined because of this for the past 15 years. It led to our divorce and the decline of our physical and mental state of mind. 
Someone contacted our police department and my house was subsequently put under investigation for criminal activities I felt as if I was being watched by everyone. 
I can prove my family and I were victims of a Criminal Enterprise that started at XXXX XXXX  and ended with Wells Fargo. 
Wells Fargo knowingly continues covering up this case to avoid a lawsuit. 
I'm looking for an Attorney to take my case to court if needed. 
XXXX XXXX XXXX XXXX.
Product: Debt collection

My mother passed away in XX/XX/2023. She did not have a will or any assets. I notified all of her creditors of this and returned all documents sent will a cease and desist note attached. This one lawyers office Phillips Cohen after the letter and being told to cease and desist repeatedly, the phone calls Keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this inquiries that are not mine and i want it to be remove from my credit report.

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft BK OF AMER Date of inquiry :XX/XX/XXXX This is not mine.

XXXX  1. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

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  : Request for Verification/Correction of XXXX Financing Statement on XXXX ReportDear Sir/Madam, I am writing to request verification and correction of a XXXX Financing Statement that should be accurately reflected XXXX the credit report for XXXX XXXX XXXX XXXX. The XXXX Financing Statement was filed on XX/XX/XXXX, with the California XXXX XXXX XXXX under XXXX number XXXX are copies of the relevant XXXX  filings for your review and action, including : The initial lien financing statement filed on XX/XX/XXXX, XXXX collateral filings on XX/XX/XXXX ( File Number : XXXX ) and XX/XX/XXXX ( File Number : XXXX ) XXXX termination filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX add collateral filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX documents outline the security interest covering all applicable collateral, which should be reflected on my credit profile as per the accurate and complete information provided. I request that you verify the filings and update the report to reflect this information accurately.Please confirm the completion of the verification and correction, or notify me if additional information is needed. I look forward to your prompt attention to this matter.Thank you for your cooperation.Sincerely, 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 3 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 XXXX : {$13000.00}
Product: Student loan

I take student loans for XXXX by XXXX. For health reasons, my payments was late. XXXX increase the loan amount of {$8.00} to {$12.00} for a period of XXXX years, when accept a deferment. Then, transfer the loan to Performant Recovery Inc . 
The monthly payment is being made through payroll discount and my employer makes payments monthly. In the Credit Bureau report this amount is continuous ascending balance and do not report the payments to credit bureau and my account is bad. The credit score monthly is low because Performant Recovery does not report payments received. Beetween XX/XX/2016 to present my XXXX Student Loan account balance Increase by $ 55 monthly from original balance and is not good to me and I afected my Credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 XXXX  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: Bank account or service

My Bluebird card that i used for bill pay was compromised and in the end result bluebird closed my account and denied my claim. I went to XXXX and loaded XXXX bucks on my card i quickly realized the XXXX i forgot to keep for gas. I went to stand back in line and the cashier pointed me towards the atm where i then withdrew the XXXX dollars. While at the gas station in an attempt to buy a water bottle i realized my card was missing so i went back to XXXX to find my card and was told the ATM must 've eaten it up. i then left got home and called bluebird while on the phone with the bluebired rep i explained that i lost my card and that i needed a replacement sent out the rep went ahead with my request and in the middle of conversing told me my card had a balance of XXXX dollars left. I told her that must be wrong she then let me know that the transaction had just occurred while we were on the phone and that it was a XXXX withdrawal, she asked before sending me over to the fraud department if anyone had access to my pin i told her that since bluebird is the only card i have that would n't let me use the last XXXX of my social for my pin i had written it on the back of my card. The rep then encouraged me to file a claim on the transaction as i was crying trying to figure out what to do. I filed the claim with the rep and was send a declaration of fraud to complete. i completed it sent it back waited XXXX weeks calling and checking on the status of the claim on XXXX/XXXX/2016 a rep by the name of XXXX told me the money would be in my account on XXXX/XXXX/2016. When i woke up this morning i got XXXX emails from bluebird XXXX stating that the dispute was declined the other stating that my account was closed with funds in them. When i called to try and find a resolution i was given the cold shoulder and told that there decision was written in stone and final i tried and tried to explain with no success. When i asked them why they could not give me a reason as to why they decided to deny me and then close my account. When i asked for the account number they told me they could not provide it. I took out a payday loan to pay my bills because i was told i would be credited today but instead i woke up to a nightmare.
Product: Credit reporting or other personal consumer reports

I received an alert from my Experian regarding a criminal alert. This was from XXXX  and I was never charged with anything. This has never happened before an this is over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act.

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

This what i sent to the credit departments of Transunion, XXXX XXXX XXXX