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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The EXPERIAN credit bureau allows companies to put fraudulent information from accounts that are not mine in my credit. 

Accounts that were already eliminated in other credit bureaus for reasons of fraud and that are not my accounts. They were accounts that were made fraudulently and the XXXX credit bureaus XXXX XXXX AND XXXX have already eliminated them and EXPERIAN continues to post them. 

Every time I make a complaint, EXPERIAN only communicates with that fraudulent creditor and the creditor tells them that the account is mine and they don't delete it. EXPERIAN just doesn't do proper research on those fraudulent accounts on my credit. It is the only credit bureau that has and allows these accounts to appear. 

EXPERIAN is complicit with these companies and allows them to hurt my credit. I already made an identity theft report and I can't get anything with it. 

It is an account from XXXX and it is almost XXXX XXXX XXXX and this credit bureau does not eliminate that fraudulent account. 

XXXXXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Collection Account number XXXX Date opened XX/XX/XXXX Account type Collection Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2100.00} Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against XXXX and Experian to rectify the violations promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Credit Karma because they said my approval odds were something that they were not. Approval odds were incorrect when it came to credit cards that I applied for & then was denied because I based my decision on credit karma.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I tried to register an Experian account to freeze my credit, but the website told me to call XXXX to resolve the issue. I made so many calls and could not get it resolved.The phone number was only an automated customer service, no human customer service could help, and I was eventually directed back to the website for help. I was unable to get help, which resulted in my inability to protect my social security number. Please ask the CFPB to intervene and help me contact and resolve the account registration andfreezeissue.
Product: Student loan

I am currently paying back federal student loans held by AES ( aessuccess.org ). I have been enrolled in their auto repayment program for years, where my monthly payment is automatically extracted from my checking account. I received a call from them earlier today, XX/XX/2016. The voicemail left by the caller was just silence, but after researching the number I was able to determine the caller was AES. 

After logging into my AES account, I saw a note that one of my loans is delinquent. Even though I 've been enrolled in their automatic repayment program, due to some reason they decided not to process my payment, and mark my account as delinquent. Nothing has changed with my checking account. There are n't any issues regarding a lack of funds available in the account. My other student loans that are held by XXXX XXXX are also enrolled in automatic payments, and those payments were processed successfully.
Product: Credit card or prepaid card

Received a settlement letter in XX/XX/XXXX from Discover, we sent a check in by the requested date to settle the account. The check showed up as deposited in our bank account so we figured the account was settled. Fast forward to XX/XX/XXXX we received a letter from Discover saying the account has still not been paid even though we have documentation showing the check has been deposited into their account. On that day we called customer service to see the status of the account, and they reported the same information as to the letter we received. They had us send in copies of the check and bank statement. Fast forward to XX/XX/XXXX we received another letter from discover saying that we still owed. We have called Discover multiple times to get this situation rectified.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

WESTCREEK FINANCIAL IS CONTINOUSLY REPORTING INACCURATE INFORMATION TO MY CREDIT TRADELINES. INITIALLY THE REPORTED THE ACCOUNT AS CHARGED OFF WHEN IN ACTUALITY I PAID THE ACCOUNT OFF. 
TODAY I RECEIVED A NOTIFICATION THAT MY ACCOUNT WAS REPORTED MISSING PAYMENTS TO MY TRADELINES, I PAID THE ACCOUNT OFF IN XXXX OF XXXX  AND THE COMPANY IS REPORTING IN XXXX THAT I MISSED A PAYMENT. 
I PREVIOUSLY FILED A COMPLAINT AGAINST THIS COMPANY FOR INACCURATELY REPORTING INFORMATION AND I FEEL AS THOUGH THIS IS RETALIATION FOR REPORTING THEIR INACCURATE CREDIT REPORTING.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

For some reason Experian is reporting my XXXX score as XXXX which is very low and reserved for consumers with bad reporting to their credit. 
My XXXX XXXX score is XXXX. 
My XXXX XXXX score is XXXX. 
I called Experian to get an explanation and I was not able to obtain XXXX. Their wrong XXXX score has resulted in me being denied XXXX XXXX card, since they use Experian credit report. 
My credit is excellent and I am having really hard time getting explanation from Experian as to why is my XXXX with them so low, while it 's very high with other XXXX bureaus. I called and sent them a complaint letter but it is not resolved or explained. 

Please help. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.AC 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any 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

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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.
Product: Debt collection

First I get a collections message from XXXX I sued them and won Now they are sending the same from an account probably from a XXXX XXXX XXXX that they would not give info on Account from 2019 supposedly we paid some - we did not Now it is sequium Asset solutions Close these companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they make money hitting on innocent people- and people can not get jobs because of these XXXX- they call at noght they impersonate they send out collectors at your door - I signed nothing with these companies XXXX is an account they took my ss number address and they harass Move them to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate 15 U.S. Code 1681b and 15 USC 1681a ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Experian to talk to a person using the following numbers. XXXX, XXXX and the machine says you can only talk to a person if you meet a certain criteria. Whatever that means, I have been trying to address the item on my report ID # XXXX. They said they sent me a result summary on XX/XX/2022 I found that summary and it says XXXX does they're public records. The problem is I opt out of XXXX on XX/XX/2022 because i never consented to anyone putting out unverified information on me. And since the XXXX court doesn't report to the bureaus I have to assume unverified information on me was sold. But the fact remains I opt out of XXXX on XX/XX/2022 but Experian claims they verified this information in XXXX. How, I attached a copy of the confirmation letter.
Product: Credit reporting or other personal consumer reports

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.