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

Experian has failed to fulfill their legal obligation under the Fair Credit reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Mortgage

In XX/XX/XXXX we started the process of purchasing a short sale HUD home from Chase Bank at XXXX XXXX de XXXX, and during this time we learned that the sellers insurance funded money for a new roof to be installed for the amount of {$7600.00}. XXXX XXXX and XXXX was the third party assisting with the purchase and process of the roof funds for the roof installation. 
Attach is in the correspondence between the seller, Chase Bank, XXXX XXXX, the XXXX XXXX, and us. 
There are several e-mails going from Chase Bank to XXXX XXXX, for the roofers credentials and other items in the attach e-mails. 
This process continued beyond the close of escrow on XX/XX/XXXX. On XX/XX/XXXX the third party helping us at XXXX XXXX notified us that she was locked out of communication with Chase Bank and Chase Bank no longer would recognize her as a third party in this transaction. We soon found out that the funds for the roof were applied to the prior mortgage of the seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and I wish to have information on my consumer report that is related to this incident removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless and multiple dispute letters as well as CFPB Complaints demanding to the Credit reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Despite the actions I have taken, the Credit Bureaus failed to comply with my requests in accordance with the Federal law. The disputed accounts and information that I have been disputing were still being reported on my Credit file. Once again, I need the following items removed as soon as possible : 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 These accounts as well as the information being reported resulted due to fraud and shoould be removed from my Credit file. I do not understand the point of the Credit Bureaus in continuing the reporting of these accounts despite the documents I have been sending to them requesting the deletion of these accounts completely from my Credit File.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with SUNRISECRED plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1
30.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and Equifax regarding issues related to the verification of identity for a fraud alert placed on my credit reports. 

1. Verification Questions : Both XXXX and XXXX have failed to provide valid verification questions or questions that match the information on file. This has resulted in difficulties in verifying my identity and accessing my credit reports securely. 
2. Phone Number Update : Despite multiple requests, the phone number associated with the fraud alert has not been updated with the bureaus for verification purposes. This has led to further complications in the verification process. 
3. Inability to Temporarily Remove Fraud Alert : All three bureaus, but primarily XXXX and XXXX, have been unable to temporarily remove the inaccurate fraud alert placed on my credit report. This has resulted in delays, denials, or conditional approvals for various financial transactions and applications. 
4. Equifax Identification Software Issues : Equifaxs identification software has failed to verify my identity accurately, leading to delays, denials, or conditional approvals similar to those experienced with XXXX and XXXX.
Product: Credit card or prepaid card

I was alerted through a number of credit alert accounts that I have ( XXXX  XXXX, XXXX  XXXX, etc. ) that a new account was opened on XX/XX/XXXX. The name of the account appears as SYNCB/JCP. 

I called Synchrony Bank and reported the fraud immediately, and they said they are looking into the matter. They assured me that I would not be held responsible for the fraudulent account that now has an initial balance of {$1400.00}. However, I am following all of the steps that I read online to ensure that this matter is resolved - my credit score is restored, the account is removed from my credit history, and the balance is removed from my credit profile. 

The open report claim number with Synchrony Bank is XXXX. Thank you in advance for your help.
Product: Credit reporting

XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX. 
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROGRESSIVE MGMT systems has yet to remove two medical accounts from University XXXX XXXX which is XXXX years old and was the insurance XXXX responsibility to pay and neither progressive mgmt nor XXXX showed XXXX or me how they arrived to the amount.
Product: Debt collection

SLS ( also known as Specialized Loan Servicing , LLC ) is illegally billing me for a loan from XX/XX/XXXX which is over 9 years ago and it was forgiven in the loan modification of XX/XX/XXXX. 
1 ) I am attaching the latest Mortgage Statement dated XXXX/XXXX/XXXX that I received from SLS. This company must be stopped from falsely trying to collect on a debt that does not exist. 

2 ) The Deed of Trusts ( attached ) are dated XXXX/XXXX/XXXX for the XXXX mortgage of {$440000.00} with XXXX XXXX XXXX XXXX XXXX and the XXXX mortgage of {$55000.00} with XXXX XXXX XXXX XXXX XXXX. The loan servicing company was XXXX. 

3 ) A loan modification ( attached ) was processed in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which states in the XXXX paragraph of the Loan Modification Agreement shows the XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX are included in the modification : a. This Loan Modification Agreement ( " Agreement '' ), effective on the date set forth below, between ( myself ), ( the " Borrower ( s ) '' ) and XXXX XXXX XXXX, XXXX. ( " Lender ) amends and supplements ( 1 ) the Mortgage, Deed of Trust, or Deed to Secure Debt ( the " Security Instrument '' ), dated the 02 day of XXXX, XXXX and in the amount of {$440000.00}, and ( 2 ) the Note bearing the same date as, and secured by, the Security Instrument ( the " Note '' ) which covers the real and personal property described in the Security Instrument and defined therein as in the " Property '', located at ( address ). 

4 ) I am attaching the Case No. XXXX where the FTC vs. XXXX and XXXX. 

5 ) I am attaching the Housing and Urban Development Final Civil Action dated XXXX XXXX, XXXX ; XXXX XXXX XXXX Settled Alleged Violations of the False Claims Act by XXXX XXXX XXXX , XXXX. 

Cc : XXXX XXXX XXXX ( Local Counsel ) XXXXXXXXXXXX California Bar No. XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorney for XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX Federal Trade Commission 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX DEPTEDXXXX   Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amounts : {$2600.00}, {$4600.00}, {$1000.00}, {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00} XXXX. XXXX XXXX XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$640.00}, {$2000.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$0.00}, {$3700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$310.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$780.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1700.00} Inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

I took initiative to start working on my credit and noticed on or about XX/XX/XXXX that there was a debt collection from Vance and Huffman LLC on behalf of XXXX XXXX reflecting on my credit report. Unsure of the process and what was going on exactly, I began to dispute this with the credit bureaus. After attempting these disputes and talking with an XXXX representative where I explained the circumstances we were able to to determine that I am indeed a victim of identity theft. I did not authorize the purchase or opening of an account and believe that someone from my neighbor did so without my knowledge. I am currently working with the collection agency to resolve this issue.The account was opened in SC on or about XXXX per the agency and the address on file is the address for my grandparents home which is the family home and well known to the community. I have never used that address in my adult life and have been living in XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX left a message on my boyfriends voicemail discussing contacting my son and discussing contacting my sons employer about debt my adult son supposedly owed. I then called XXXX XXXX at XXXX XXXX XXXX who discussed with me the exact amt. my adult son owed on a loan from Loan Cashnet and that the loan was taken out in XX/XX/XXXX. It is my understanding that debt collectors can not disclose this information to friends or family which XXXX XXXX at XXXX just clearly did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Accounts # - XXXX XXXX # XXXX - XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Student loan

I have a variable interest rate loan with the interest rate tied to one-month LIBOR, as described on Page 3 of my loan 's promissory note : " he variable interest rate is based on the 1-month London Interbank Offered Rate ( LIBOR ) ( currency in U.S. dollars ) that was published on The XXXX XXXX XXXX 's website ( or any generally recognized successor method or means of publication ) on the XXXX day of the calendar month immediately preceding each " Change Date '', as defined below. If LIBOR is no longer available the servicer will choose a comparable index. The interest rate on my loan will change as described below throughout the life of my loan until all amounts owed are paid in full ( whether before or after default, and whether before or after the scheduled maturity date of my loan ). My variable interest rate and Annual Percentage Rate ( APR ) will increase or decrease if 1-month LIBOR described above changes. The variable interest rate is calculated by adding the margin stated at the top of this Note to the 1-month LIBOR index published on the XXXX day of the calendar month immediately preceding each Change Date, as defined below, rounded to two decimal places. ( If the XXXX day of the month is not a business day or is a holiday, the reference date will be the most recent date preceding the XXXX day of the month that is a business day. ) The variable interest rate will change on the first day of every calendar month ( " Change Date '' ) if 1-month LIBOR changes. '' So, per the terms of my Promissory Note, for a given month, my interest rate is determined by rounding the rate published in the XXXX XXXX XXXX on the preceding XXXX of the month to two decimal places. Effective XX/XX/2019, Mohela, my loan 's servicer, is showing my loan 's effective LIBOR rate as 1.71 %. However, the rate published by the XXXX XXXX XXXX on XX/XX/2019 was 1.70275 % ( emphasis added ). The rate can be easily verified by visiting any local library and/or contacting the XXXX XXXX XXXX. Rounding this amount, per the terms of my Promissory Note, results in a rate of 1.70 %, not 1.71 % as is currently being applied. I have contacted Mohela multiple times about this matter and they state that, even though my loan is not being serviced in accordance with the terms of my promissory note, there is nothing that they can do to change the interest rate. Despite my insistence that they research this further and asking to have the issue escalated, Mohela is giving me the runaround. This is completely baffling to me - I am not the only one affected by this issue and I can not understand why a student loan servicer would be so apathetic when an error is pointed out. 

I would like the CFPB 's help in compelling XXXX XXXX / Mohela to service my loan correctly which, in this case, means retro-actively adjusting my applied interest rate to 1.70 % rather than 1.71 % for the month of XXXX, as well as doing the same for ALL affected customers.
Product: Debt collection

I wrote to HP Sears to ask for debt validation and proof of authorization. They did not send any documentation or proof continued to report the information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my credit file mixed with someone elses for the last few months when I log into myequifax someone elses account shows up. I have brought this to there attention multiple times. When I called customer service they assured me the right information is on my file but when I recently called I was told they cant find my file. I even uploaded my drivers license. Im am tired of countlessly sending in my personal information via mail because it makes me more vulnerable to identity theft. The issues is my credit report is frozen and I can not unfreeze it. I am trying to get mortgage loan and they cant access my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Equifax numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of XXXX XXXX XXXX XXXX statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with XXXX and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave XXXX full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.