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

Subject : Formal Complaint Against Experian for Violations of FCRA and Failure to Conduct Proper Investigations To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Complaint Summary : I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Despite multiple dispute letters sent to Experian regarding inaccurate information on my credit report, Experian has not conducted a proper investigation nor removed the incorrect data as required by law.

Background : I have submitted multiple disputes to Experian regarding inaccurate information on my credit report, including GEMINI/WEBBANK. Under the FCRA, Experian is required to conduct a reasonable investigation and ensure the accuracy of consumer credit files. However, they have failed to : Properly investigate and correct inaccurate items.

Provide me with verification of the disputed accounts.

Ensure compliance with reinsertion rules, as outlined in 15 U.S.C. 1681i ( 5 ). 

CFPB Lawsuit Against Experian : I recently became aware that the CFPB has filed a lawsuit against Experian for failing to conduct proper investigations of consumer disputes ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ). This lawsuit demonstrates a clear pattern of misconduct, reinforcing my claim that Experian has failed in its legal obligations regarding my dispute. 

Harm Caused to Me : Due to Experians failure to properly investigate and correct my credit report, I have suffered financial harm, including but not limited to : Denial of credit/loans.

Higher interest rates on financial products.

Negative impacts on employment or housing applications.

Requested Resolution : Removal of fraudulent account ( GEMINI/WEBBANK ) from my Experian credit report I have attached all relevant dispute letters and responses for your review. I request that the CFPB take action to hold Experian accountable and enforce compliance with federal law.

Attachments : Copy of Police Report/Identity Theft sent to Experian.

Credit report ( s ) showing inaccuracies. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and provide me with any next steps necessary for resolution.
Product: Credit reporting or other personal consumer reports

i do not reconize the hard inquires on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter XXXX XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts be removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per Miller v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law. 

Update : XX/XX/2022 Equifax still did not remove the accounts in question. I was a victim of the Equifax data breach and EQUIFAX is responsible for the fraudulent accounts in question. EQUIFAX has a personal statement on the report indicating that I was a victim of EQUIFAX 's data breach. EQUIFAX refuses to remove the accounts in question. as a result I was not able to obtain new credit and the credit score declined from XXXX to XXXX on XX/XX/2022. The score then went up to XXXX on XX/XX/2022, more than 30 days after the permissible purpose letter ( attached ) was sent to Equifax. The score then goes down to XXXX on XX/XX/XXXX. This has injured me commercially and caused delays in obtaining new credit to purchase real estate. I will be filing an SF95 with the Department of Justice XXXX XXXX XXXX for the commercial injury and damages I have suffered along with a Federal Criminal and Civil Complaint for Conspiracy Against Rights and Deprivation of Rights Under XXXX of Law, Aggravated Identity Theft, and Violation of the Fair Credit Reporting Act.
Product: Mortgage

About 1 year ago Bank of America changed XXXX account to paperless billing without my knowledge with lead me to be late on paying those bills bc i never got them. In the process of settling the matter Bank of America insisted that i was the one to change those settings, knowing this was a lie i asked for any evidence at all that i made some direct action to change those settings. No evidence was provided. Bank of Americas response to me was trust us, you are at fault here. Which of coarse is laughable. I trust Bank of America about as much as they trust me. The result of this was Bank of America heartlessly and without ethical direction, damaging my good name and credit. Here we are again. I received a notice saying that XXXX of my accounts have been changed to paperless billing again! I DID NOT CHANGE THIS SETTING! Again I ask for any proof that i am the one that changed this setting. I want Bank of America to make right the damage they did to me one year ago financially and to my credit rating also they must stop this deceptive practice, and also i want a letter of apology
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX ; XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX and TransUnion 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 corrected : XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I spoke with XXXX and XXXX and they told me that Confirmation number XXXX can not be viewed on the completed Equifax investigation online dispute website for me to see the results from the investigation dispute I filed ... However, XXXX told me verbally that the creditor reported accurate information on my credit report but can not verify it in writing on their website .... I 've been told by XXXX or XXXX that I will receive information in writing 7 to 10 business days and I never received any mail correspondence from Equifax. Please make sure Equifax is reporting information fairly and accurately ... .. Thank you very much
Product: Credit reporting or other personal consumer reports

The following inquiries are not authorized 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/year>
Product: Debt collection

Did not received nitificatio. Of this debt going onto my credit report. Do not remember getting phone calls either. Would like to get this cleared up and deleted fro. My credit report.. i called and left several message.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2023, I conduct a fund transfer from my Paypal Account to my link debit card, the transaction was fine it goes straight to my account successfully but after almost 2 hours suddenly I received an email from PayPal stating that I violate their Policy and I can no longer use their service. Which I think at that moment they also conduct system generated reviews. This might be the reason their system detects my account because what happens is that on that day I transfer my fund twice already and in the third one they limit my account. And also don't I have active cases in my account. I think it's part of their security that's why it happens, but I don't know exactly if it is really the cause. 

That's why I need your help to settle this issue in my account if ever I really did something against their policy or just some system error. I want to know exactly what happen so that I can understand the situation. 

I have attached below the transactions and emails that might help to resolve this matter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by PNC Bank. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
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 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00}
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected :XX/XX/XXXX
Product: Debt collection

This company State Collection service , Inc sent me collection letter on XX/XX/2023 for {$59000.00}. I don't who this company is or never had a contact or die business with State collection service.
Product: Credit reporting or other personal consumer reports

These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.
Product: Checking or savings account

I opened a joint checking account with AXOS bank with my husband on XX/XX/XXXX and transferred all of the gift money from our wedding, along with setting up direct deposit. On XX/XX/XXXX I received a notification that a XXXX payment of {$2500.00} was sent to someone named XXXX XXXX. I do not know this person and never sent this payment. I had such a hard time trying to get ahold of a real person to help shut down this payment. The robo chat feature goes in loops and doesn't connect you to a real person when you ask it to. Eventually I got ahold of someone and they helped me stop the payment but they also put a restriction on my account without telling me. They also could not tell me how this happened, if I was hacked, or how to prevent this in the future. I could not transfer any money from my account and there was no follow-up from anyone why this happened or how to unrestrict it. Days past and I finally was able to get someone on the phone and they made me set up another checking account in order to move the money. Even with the new checking account I couldn't transfer money in my online account. I tried calling, I tried the chat, I tried their secure message system, and no one got back to me with any solution. They finally unlocked my account but the dashboard and the transfer move money option would not load. I sent them screenshots of errors, tried multiple browsers, and cleared my cache. Nothing worked and they kept denying that there was any problem. I finally got someone on the phone today on XX/XX/XXXX to escalate my message to send me a cashier 's check and close the account. Why was this not done in the first place? They have over {$11000.00} of my money locked up without any plan to give me access to it. There was no follow-up with anyone at the bank and they felt no urgency getting this resolved, which was no fault of my own. AXOS bank has basically stolen my money without any access to it for WEEKS. Their customer service is basically non-existent and they have no communication within the company itself. Also, they have no security, because how was this XXXX payment initiated in the first place? They need to figure out their workflows for dealing with hacked accounts, create actual customer service, and have better security. This experience was so horrible that I would never use them again, and honestly they should be shut down because they should not be trusted with anyone 's money given how poorly they handled this situation. Does anyone actually work here? It seems like it's just automated and the system is completely broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Bureau is reporting inaccurate inquires on my credit report. 
The below letter was sent certified mail XX/XX/XXXX. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : The following hard inquiries are FRAUDULENT.Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX   XXXX, XXXX  , OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX While XXXX XXXX XXXX may be a legitimate company, the loan itself does not exist and has never existed.
Product: Checking or savings account

I lost all access to my account same day I deposited my check and I'm almost homeless they verified that my check was good and they still making money off the money I have in there. They said they mailed the check then when I call they say they didn't on a recorded line I hate to be lie to they said I was suppose to get it by today. But I called and they said it never been mailed. This is unethical and wrong Citibank will make you depressed witch I am suffering and it's XXXX and I don't even know if I'll have a house soon
Product: Credit reporting or other personal consumer reports

I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a call from XXXX XXXX asking for XXXX XXXX and when I identified myself as XXXX XXXX they said they were XXXX XXXX and my account was past due and asked for my DOB to verify my identity. I figured it was a scam so I ended the call. Checked my credit report and found I indeed had a XXXX XXXX XXXX  DBA XXXX XXXX showing up for a {$3000.00} loan balance. I have never heard of this company before so did some research and found they send out preapproved loan post cards regularly to people. I'm assuming someone got one of these with my name and took advantage of Balance Credits sloppiness. For the last year I have tried to explain I have no need for their business, and have not done any business with them EVER. The first people I talked to there did some research for me and agreed, it was not me and it was sent to a bank that I do not bank at ( they would not disclose where it was, but foolishly I told her my bank name and she said that was not it so I know it was not mine ), and an email account with Outlook which I do not have any personal Outlook email addresses. They have been unwilling to help me even though they know this is not me. It is ruining my credit, and now my interest on anything I buy is sky high and I want them held accountable for their actions.