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

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Mortgage

I was offered and accepted a Shared Appreciation Modification from Ocwen. The modification documents they provided me to sign, stated my interest bearing principal balance would be equal to the current value of my property at the time of the modification. At the time of the modification my property was valued at approximately {$700000.00}. The modification documents stated the value of my property was {$840000.00}. When I confronted XXXX XXXX XXXX, my single point of contact at Ocwen he told me that Ocwen was offering me the modification as typed and would not make any correction related to the value. He told me if I wanted the modification I would have to accept it as is by the due date. I have honored the letter and the spirit of the agreement but Ocwen has not.
Product: Credit reporting or other personal consumer reports

Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates. 

The inaccurate information is as follows : Account-first premier bank Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ). 

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report. 

You have XXXX  days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown account on my credit report Chase Account number XXXX
Product: Mortgage

I have a home equity loan from TCF Bank. I have been unable to pay my bill online for months now. Their website is non-functional, and no longer allows logins. I attempted to call them during working hours, but the wait is at least 90 minutes and I have been unable to get through. 

I finally paid my bill by check, and they sent me a notice warning my that my loan is past due without acknowledging my payment even though the check was cashed. 

I no longer want to do business with this company, but I have no way to contact them to pay off my loan or even to find out my remaining balance. 

I am trapped.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.SC. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally resubmit the complaint to CITICARDS CBNA regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Vehicle loan or lease

I had called this company when I noticed that my loan balance never changed and also that my credit report each month was reporting my payments. They stated they where reporting my information to the credit reporting agency each month. So I called them and I also pulled my report from each agency and it was not showing no update. I had to file a dispute to get my credit report updated. Now my report is back to how it was again where they have not reported payments and my balances and not changing since I last had made a dispute. I called them and they said they would look into it and get back with me. They never got back with me. I pay them every month on time and I should not have to ask them to report my updated balance and payments monthly. They should do this without being told to do so.
Product: Credit card or prepaid card

Company repeatedly called or texted me prior to payments being due to tell me there was an upcoming payment due. I asked them not to contact me when their call was relating to an upcoming payment, and to only call if my payment was past due or if there was a problem with the account. The last time they called was on XX/XX/2022 at XXXXXXXX XXXX and became really rude when I spoke with them. The gentleman would not give me his name and when I told him not to call me with regards to payments upcoming, he cursed at me. I cursed back at him and he hung up. They had also called earlier that same day at XXXX, both times from the same number XXXX. I also believe they called at XXXX am on XX/XX/2022 from another number XXXX. They also called on XX/XX/2022 about my upcoming payment. The due date on the account is the XXXX of the month. 

Since that time I have not received a billing statement from them. I went online to ask to have the billing statements emailed to me, and received a confirmation email saying I made that change to my account, but still no emails or billing statements have been received. I have never been late on any payment on this account and until the rude behavior and cursing incident, have always paid more than the amount showing due. Since that time, I have only paid the minimum amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Payday loan, title loan, or personal loan

Added fees that was not suppose to be added and took my vehicle after promises they wouldn't in conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I fought against collections from a XXXX XXXX XXXX XXXX, claiming they have accounts from XXXX for years I did not visit the hospital. The reputation of the doctors incompetence, as well as the overcharging XXXX does keep me away, and instead I visit local clinics and pay for my visit the same day. I have not had any significant medical issues since I was XXXX, and hit by a vehicle. That was the last time I would go to that hospital, except for with others when they would go. 

My issue is that both XXXX and XXXX took this information, found the investigation in my favor that the company could not furnish proof that it wasnt identity theft. I took this information to Experian. Using my other credit reports to show that they had been removed, the dispute results from both XXXX and XXXX, and tried to fight this collection on my Experian. Experian investigated one account out of two, and labeled to other as correct and refuses to take any more information or change their decision.

Essentially they looked at the two accounts from the same company and said one could be removed, but didnt at all bother with the second investigation. I never received information about the dispute in progress other than for the account that was removed.

I also want to add that I could not dispute them online when I started this process. I had to call and speak to a representative, and I believe that he did not enter my dispute in correctly then.
Product: Debt collection

Debt was paid in full to the attorneys on file on XXXX, XXXX XXXX. On XX/XX/XXXX the collection agency reported me and my credit score is  negatively affected.
Product: Prepaid card

received XXXX dollar american express gift card from place of employment ( XXXX ). I tried adding it to my XXXX XXXX  account and the card declined. I then tried buying an XXXX  gift card on the site and card declined. I then tried buying on XXXX  and card was declined, as well as on XXXX. All the purchases were denied and lack of call center assistance and its all automated with no way of talking to an individual to see why amex card wouldnt work with site that says they accept american express
Product: Credit reporting or other personal consumer reports

I submitted a complaint through CFPB on XX/XX/year>. I received a response from XXXX XXXX XXXX XXXXXXXX but I disagree with their final decision. As stated by CFPB through the website, " While there isn't a single law explicitly protecting a consumer in this exact situation, the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ) could potentially provide some legal recourse if a mortgage company reports missed payments to credit bureaus even after you've applied for and been approved for a mortgage assistance program and notified them of your job-related injury causing the missed payments. '' After the injury I suffered on my work site, I took all the necessary steps with XXXX XXXX XXXX XXXXXXXX to ensure my credit score would not be impacted. I applied for the mortgage assistance program, and I was approved. It was not confirmed that my credit score would be affected. It is said that XXXX XXXX XXXX XXXX should aid me in this situation because it is not my fault pertaining to CFPB policy. Additionally, I have paid off the balance entirely and submitted my most recent loan payment. I do not believe my credit report should be impacted. I would like to know if I could be provided legal recourse from CFPB to help me with resolving the issue. I have been a borrower for over seven years and have never missed a payment.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX  as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. One was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX XXXX  account XXXX. Please have the company investigate this account. And finally XXXX XXXX  XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called in to dispute transactions of fraud on my account. The representative filed the first one in the amount of {$5600.00} and when she was done, she found more of the same transactions to dispute in the amount of XXXX dollars. I sent in a police report and was promptly denied and was not given a clear reason. Then I asked for a second look on XX/XX/2023, and within the next two days I received a credit of XXXX dollars, and they were still investigating the XXXXdollar dispute. I thought it was funny how they paid one so quick and not the other. I waited and on XX/XX/2023, I was denied because they said I participated in the scam. I don't think they are acting in good faith. I would think if I participated in it then they would not have paid either of the claims.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the credit bureaus continued failure to correct inaccurate reporting on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the bureaus have repeatedly reported charge-offs on multiple accounts in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) charge-offs should not be reported every month. This inaccurate reporting has caused significant harm to my credit profile.

Furthermore, under 15 U.S.C. 1681e ( b ), the credit bureaus are required to ensure maximum possible accuracy. Despite my previous disputes, they have refused to correct these errors, allowing unlawful and damaging information to remain on my report. 

Due to their continued noncompliance, I am demanding the immediate removal of these accounts from my credit report. If these inaccurate accounts are not immediately deleted, I will pursue legal action to enforce my rights under federal law. 

I expect a prompt resolution to this matter and written confirmation of the removal. Failure to act will result in further escalation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Inquiry Information : Inquiring Company : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX XXXX  XXXX of Inquiry : XX/XX/year> Inquiring Company XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Vehicle loan or lease

Bridgecrest XXXX loan account number XXXX was paid off on XX/XX/2022. Three times payments on XX/XX/2022 for pay off. Payment confirmation numbers XXXX, XXXX and XXXX. Everything paid off, bridgecrest cheated US Consumer Financial Protection Bureau and client XXXX XXXX who has waited notarized Lien release letter, Bridgecrest provided non-notarized lien letter which is not valid at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX. Office staff of XXXX : XXXX XXXX XXXX wants them electronically release lien but they dont cooperate with government agency and they dont pick up phone call. 
We filed a grievance to consumer protection bureau. We will make a note in the system. 

If bridgecrest doesnt cooperate with consumer protection agency XXXX congressional investigation will initiate right away. 

XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to XXXX notifying them of the reinsertion of XXXX  XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXXXXXX XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with experian, they have neglected to take appropriate action, demonstrating a lack of accountability compliance with federal consumer protection laws.
Product: Debt collection

Hello, I have made several attempts to verify debt on my current XXXX credit report by National Credit systems and they have continually been non responsive and have failed to provide verification of debt they are stating I owe. I have sent several letters to the creditor since XXXX and I have not received any response from none of the letters. I have also sent multiple communication to XXXX disputing the debt and it came back " verified '' according to XXXX but the creditor is refusing to send me written notification of the debt, verification that the debt is mine.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint for this issue here once before. Equifax STILL hasnt resolved this issue. Every time my credit is checked from all 3 agencies, it shows as if I initiated a credit freeze with Equifax. I have not then, nor now, initiate any credit freeze of any sort. This has been an ongoing issue. They have effectively screwed me out of a chance for a new car, loans and, or all debt relief/consolidation programs. Equifax is a scourge to the consumer population and are lazy in their ethics. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding their persistent non-compliance with federal regulations and their unethical tactics during the investigation of disputes. Despite numerous attempts to resolve these issues directly with Experian, their actions continue to reflect a blatant disregard for the Consumer Financial Protection Bureau 's ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have submitted multiple disputes to Experian, addressing inaccuracies in my credit report. However, Experian has consistently failed to adhere to the mandated investigation timelines. Each time I have reached out for an update, I am met with the same generic response : " Company response is in progress. '' This phrase has become a repetitive and frustrating barrier, preventing me from receiving the timely and fair resolution to which I am entitled. 

Experian 's tactics to avoid detection and accountability are evident. Their delay tactics and failure to provide substantive updates suggest an intentional strategy to exhaust and deter consumers from pursuing their rightful claims. It is unacceptable that a major credit reporting agency, entrusted with safeguarding and accurately reporting consumer information, engages in such deceptive practices. 

I demand to know how many " progress '' responses Experian has issued and how many investigations are genuinely being conducted versus being delayed indefinitely. The lack of transparency and accountability in their process is deeply concerning and undermines the trust and integrity of the credit reporting system. 

I urge the CFPB to take immediate action to investigate Experian 's non-compliance and enforce stringent penalties for their continued violations. Consumers rely on the CFPB to uphold fair and ethical practices within the financial sector, and Experian 's conduct is a stark violation of these principles. 

Please confirm receipt of this complaint and provide an outline of the steps the CFPB will take to address this matter. I am prepared to provide any additional information required to support this investigation and ensure that Experian is held accountable for their actions. 

Thank you for your prompt attention to this urgent issue.