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

XX/XX/ Experian Information Solutions INC . 
And all variants of said entity. 

I expect EXPEDITED removal of the Fraud Alerts, Etc. on my Experian, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX consumer Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report Remove any listed item applicable to EXPERIAN & ALL VARIANTS OF SAID ENTITY REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX  IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian Credit Bureau to remove all addresses and miss spelled names on my credit report, and update my credit report with my updated address and correct spelling of my name in XX/XX/2023. I have gone over my most recent credit report and there has been some changes but not all regarding my addresses removed and name updated to personal information on there website. In pursuant to the FCRA credit bureaus are to report accurate information and up-to-date personal information on consumers. This company is in violation of my rights and privacy.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started seeing inquiries on my credit report that I dont recall making
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that remains uncorrected by TransUnion, XXXX, and XXXX, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.
Product: Money transfer, virtual currency, or money service

I lived in the XXXX for 5 years, and to this day, I bank there. I do business in the XXXX, and my client was supposed to pay money to my XXXX bank account via XXXX but the money never arrived. 

The transfer was created on XX/XX/2023, and paid out on XX/XX/2023. 

On XX/XX/2023, I received communication from my bank. They were asking me questions regarding the nature of the payment and why I received it. Then I explained who I was and what the payment was for. 

I am writing this on XX/XX/2023, and we have not received any communication from the intermittent bank. My client tried to contact XXXX, but they said they could not help. I have contacted my bank, and they said they could not do anything because it was up to JP Morgan Chase to release the funds. 

It is only a ~ {$3000.00} transaction, but still. No one knows where it is. 

According to my bank, JP Morgan Chase refuses to release it and is not telling us why. No communication from them. 

XXXX has also been extremely unhelpful. 

It is almost XXXX, and I still have not been paid, and no one knows where my money is.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - Account # XXXX, XXXX XXXX XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX US DEPT. OF EDUCATION/XXXX - Account # XXXX, US DEPT . OF EDUCATION/XXXX - Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a {$10000.00} payment to my contractor for work in my home by Paypal. 
The money was immediately deducted from my account. 
As of today, XXXX XXXX  is still unable to retrieve or collect the money. 
Paypal told him to cancel his business account, and open a personal account. 
I am unable to cancel the payment, or recall the money. 

Transaction Transaction ID : XXXX I spoke to their customer service representative, and even escalated to a supervisor, but they will not return my money, and the recipient still can not access the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : 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 Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the information on my credit report regarding an account from the US Department of Education, account number [ XXXX ]. According to my records, this account has been erroneously reported as having XXXX late payments, despite being charged off. As charging off an account typically signifies a lender 's acknowledgment of non-payment, the presence of late payments after this event is contradictory and suggests a violation of reporting standards. 
I have previously disputed this account multiple times without resolution. Despite my efforts, it appears that the account status remains unchanged, and there is no indication of my previous disputes on my credit report. This lack of acknowledgment of my dispute is concerning and represents a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I request complete and accurate account level documentation regarding the aforementioned account. It is imperative that I receive all relevant information pertaining to this account to facilitate a thorough review. I also request that this account be marked as disputed on my credit report to reflect the ongoing dispute process. 
Failure to provide the requested documentation within 15 days, as mandated by federal law ( 15 USC 1681n ), will result in the immediate deletion of this account from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to its provisions may result in legal action.

Additionally, I am asserting my rights under the FCRA ( 15 USC 1681e ) regarding the credit reporting agencies ' obligation to conduct a thorough investigation into disputed accounts. Any deficiencies in compliance procedures will be considered a violation of my consumer rights. 
In conclusion, I expect prompt action on this matter and a timely response to my request. Your cooperation in resolving this dispute is greatly appreciated
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with Experian. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX XXXX. XXXXXXXX XXXX XXXX XXXXnquiry date XXXX. XXXX. XXXX XXXX inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to Experian Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with Experian
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted Experian numerous times about me not having a bankruptcy or bankruptcies on my credit report. Experian continue sending me information that it has been verified and they are not physically verifying the situation, they are using XXXX and its given them the wrong information, because there are other people out there with the same name as mines, this is not my first time dealing with this situation. I have enclosed copies of money orders that I purchase every month to pay XXXX XXXX  company each month. This is my second time sending the same information, it came back the first time verified. How it come back verified, when I have provided copies of money orders that you can trace. I would be paying bankruptcy if it was in bankruptcy? I understand that under 15 USC section 16811A you must complete this reinvestigation and found the following items to be in error by the provisions of the Fair Credit Reporting Act. I demand this item to be investigated and corrected on my credit report. Looking over my entire credit report with Experian is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, 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, 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 1002 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: Debt collection

In XX/XX/XXXX National Recovery Agency contacted me by phone and informed me that I owed a debt of {$3300.00} for my XXXX XXXX in XXXX. There was never a piece of mail received from this company. I contacted them several times by phone and mail in an attempt to learn who is the company or the doctor that they say I owe. On the phone, I was told that information was unavailable and could not be provided. Mail was ignored, and no reply was received. Shortly after, I had a collection appear on my credit report. I have since then contacted XXXX twice by mail asking them to verify this debt, and both times I have not received any reply- just complete silence.
Product: Mortgage

I was in a covid 19 forbearance and they reported me late over 90 days to the credit bureaus. I was told that a covid 19 forbearance would not be reported late, it even on their website and its and FHA loan so it's the law. Mr Cooper is the name of the mortgage company but they are also known as nation-star mortgage.
Product: Money transfer, virtual currency, or money service

I transferred XXXXUSD from Suntrust Bank ( XXXX XXXX XXXX ) to XXXX XXXXXXXX XXXX onXX/XX/2018. The Reference Number is XXXX. Unluckily the banker in the Suntrust Bank made a huge mistake on the recipient bank number, so that I can not receive the money in XXXX. I also phoned the Suntrust Bank ( XXXX XXXX XXXX ), but nobody answered.The XXXX XXXX XXXX also sent a letter to the bank, asking for an amendent letter for the correct recipient bank number as soon as possible. Otherwise the money will be refund to Suntrust Bank ( XXXX XXXX XXXX ). I am so worried. Please help me XXXX this case. Please contact me by email ( XXXX ).
Product: Credit reporting

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX  Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,