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

Dear CFPB, I am writing to file a formal complaint against Experian regarding their failure to accurately maintain my credit report, despite my repeated efforts to resolve inaccuracies caused by identity theft. 

I recently became a victim of identity theft, and as a result, Experian has reported several inaccurate items on my credit report, including : Incorrect Addresses : 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 I have never been associated with these addresses or accounts, and I believe they are fraudulent entries resulting from identity theft. I have already taken the following steps to resolve the issue : Filed a Police Report : Submitted an Identity Theft Report to the FTC Disputed the Items with Experian : Despite my efforts, the disputes have not been resolved, and the inaccuracies remain on my credit report. 
Experians failure to accurately investigate and correct these issues has caused significant harm to my creditworthiness and financial well-being. I am requesting the CFPBs assistance in ensuring Experian fulfills its legal obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and remove inaccurate information from my credit report. 



Thank you for your attention to this matter. I hope the CFPB will help resolve this issue promptly. If you need further information, please do not hesitate to contact me. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

Several times I have contacted [ CREDIT BUREAU NAME ] regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Debt collection

Hello, i have been trying to communicate with these XXXX collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are XXXX XXXX XXXX, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. 

They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?
Product: Credit card

I applied for the Citi XXXX Visa XXXX card in late XXXX 2016 under an advertised promotion to earn XXXX XXXX bonus points after making {$2000.00} in purchases within 3 months of account opening. After completing the required spending in two months, the points were not credited. On XXXX, Citi responded to my inquiry via email pointing to the current language on the company 's website stating the promotion is not available to existing Citi cardholders. The exclusion language was not on the Citi 's website or card 's terms and condition when I applied for the card. I responded to customer service and offer to mail/fax/email in screenshots of the promotional offer and terms and condition captured at the time I submitted the card application. Citi still would not honor the promotion with the screenshots stating the current language on their website override all previous offers. I called customer service on XXXX/XXXX/16 and spoke with an associate and a manager. Both reference the same current website language and ignore the previous offer. The manager XXXX XXXX XXXX XXXX even stated that he believed me when I said the language may be missing from the website at the time the application was submitted but the 24 months exclusion have always been the rule for the more than 5 years since we work at Citi. If the exclusion language was not present when the application was submitted, I should receive the promotion offer and should not be subjected to new terms and conditions that were displayed after the account was created. Citi is reneging on the original offer with recently added terms and conditions.
Product: Credit reporting 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 XXXX credit bureaus 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 correct : XXXX XXXX Balance : {$2500.00}, XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account Number : XXXX XXXX/ XXXX Equifax Account Number XXXX XXXX XXXX/ XXXX/ Equifax XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX/ XXXX/ Equifax XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXXXXXX XXXX/ Equifax XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX : XXXX XXXX/ XXXX Equifax
Product: Credit reporting or other personal consumer reports

instead of XXXXXXXX XXXX XXXX XXXX and Im telling them that my account was breach provided them as I uploaded in this portal my FTC report and letter they are requesting that I get documentation which I gave them that I reported fraud online they wanted a letter on letterhead. I told them that I went into the branch and they told me that the information on my account should suffice. No one will write me a letter. I asked them for proof that I did not pay because money was missing approximately {$2300.00} from my account that month and I saw the payment go through the reverse .but no one at XXXX XXXX XXXXXXXX could provide any information as well. hence Bank has caught all fraudulent checks and pay all correct payments but XXXX refuses to accept responsibility for bringing out my credit report XXXX points in addition to me never having a late payment on my credit report before but putting one on there when they put the XX/XX/year> report said they can not provide me with information that I didnt or did call up and pay. It was my responsibility to prove that I have fraud and I have done and exhausted at all measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Founders flu has several accounts with same account number and different amounts that dont belong to me. These inaccurate accounts need to be removed form all XXXX bureaus. There are also a several inquiries that I didnt authorize that also need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is in Violation of Reporting Unauthorized Inquires 15 usc s 16881 b ( c ) ( 1 ) ( a ) All Inquires are Misleading False and Fraud Under 15 U.S Code 1681b Please Delete All Of The Fraudulent Inquires From My Credit Report
Product: Money transfer, virtual currency, or money service

I have repeatedly requested to close my account with AVANT LLC and my requests has been ignored. This suspicious behavior is unacceptable!! I'm requesting to close my account and to overnight my government XXXX benefits to the address on file. Instead, AVANT IS DEMANDING TO REPLACE A LOST OR STOLEN DEBIT CARD THAT I DID NOT REQUEST. I WAS FORCED TO UPDATE THE APP WITH THIS BUT THE APP NEVER ACCEPTED MY password after XXXX attempts. Please see screenshots for proof. {$300.00} was PAID AND THE OTHER {$300.00} IS STILL PENDING ALMOST ANOTHER MONTH LATER PENDING TRANSACTIONS CAN STAY IN PENDING STATUS LEGALLY??? I WANT AND NEED MY FREAKING MONEY THIS IS ABSOLUTELY TORTURE!! I WAS I NEVER HEARD OF THIS DECEIVING INSTITUTION!! I also mistakenly sent my taxes to them and the representative was distracted with the wrong document and instead I needed help with my account. I repeatedly requested to not share my private information and I informed him that I sent the wrong attachment and had I not volunteered to share the representative wasn't going to be honest and tell me.
Product: Student loan

My loans are serviced by Mohela. I had already planned for repayment to resume and had set up auto debit. I received a letter last week stating my loans had been put in administrative forbearance, which I did not request, as this harms me as interest will continue to accrue. I want to resume payment immediately as I am working toward my XXXX payments for forgiveness under PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion on XXXX/XXXX/2022, because of inaccurate items on my credit report. I informed themthat I want them to investigate and delete all of the inaccurate items. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they infome me of the results of the investigation and that they document that the accounts are in dispute. It is also federal law that the agency investigate any and all disputes and give an updated report of the investigation. This has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I initiated complaints regarding identity thefts against my person, very possibly committed by maternal family members all of which I named in FTC report # XXXX. Furthermore my Experian, XXXX, and XXXX credit reports show inaccurate names, D.O.B and addresses of which I have attempted to get corrected. These addresses in particular read, " XXXX '' which is inaccurate. Furthermore there are ambulatory bills on my credit reports that are inaccurate. 

I have included my Experian consumer info. The XXXX and XXXX reports show identical inaccuracies. 

I have also included a XXXX report which shows similar inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had a checking account with chase since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? 
Chase is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. 
I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. 
This is clearly not appropriate banking procedures and this corporation needs to be shut down.
Product: Checking or savings account

I am having issues with the way that Chase is handling my accounts. I recently had arrangements to satisfy a charged off account to pay {$50.00} per week and a lump sum at the end of 5 consecutive payments to satisfy the account. However, I was laid off and was not able to fulfil my payment obligations. On XXXX XXXX, 2017 Chase redirected {$720.00} to offset the amount of the charged off account which were funds to be used to make my monthly rent payment. I immediately called Chase and spoke to a representative named XXXX who stated that she did not have the authority to redirect the funds to my account. I was then transferred to a Sr. Representative by the name of XXXX . I explained the severity of the situation and even made the necessary arrangements needed to get those funds back. This dilemma could cause my rent payment to be returned and my leasing company to file eviction. Chase did not seem to care and told me that due to their policy that I could only receive half of the funds back in that respect. I asked XXXX to process the return of the funds as she stated and that I will visit my local branch. 
I stopped by the Chase branch at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke with a banker to try and get further assistance. He did advise that there was nothing he could really do but would call the recovery department on my behalf. He spoke with a Representative name XXXX who was very helpful. He agreed to credit some fees to another account that I had to assist, however, he could not override the arrangement from the previous representative, XXXX. 
Needless to say, my rent payment is pending and could possibly be returned and now I am short {$220.00} for that payment and risking eviction. These policies are not in written in Chases verbiage to advise a customer that funds from your current account can be offset to an account that charged off 2 years prior without your knowledge. 
I am requesting my full refund of the fees that were deducted from my account. Immediately as this has caused a considerable hardship that Chase does not care about..
Product: Debt collection

To whom ever it may concern. My identity was compromised, my accounts were compromised and some one opened several accounts using my identity. I explained this to both affirm and XXXX. Instead of being treated like a victim Ive been treated like a crook. Ive taken the proper steps to alert all credit bureaus, Ive placed fraud alerts on my report and I have attempted to resolve this with the credit bureaus and the company please delete the following 3 affirm accounts off my credit report as it is a result from fraud
Product: Debt collection

RE : Cavalry partial account # XXXX Cavalry Portfolio SVCS has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}.

The above mentioned account is an old XXXX XXXX credit card which was closed due to fraud back in XX/XX/XXXXwith the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old.

I have written Cavarly Portfolio twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX.

Cavarly Portfolio has refused to provide those records and alternately become more aggressive trying to collect.

I will prove that Cavalry Portfolio has been engaged in fraud against consumers for years.

I will prove Cavalry Portfolios intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit.

Cavalry Portfolio has also provided untruthful statements to XXXX, XXXX & XXXX  in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports.

These and other willful schemes of Cavalry Portfolio has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord.

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court.

Through my research, it seems Cavarly Portfolio has a history of manipulating records and attempting to collect on debts they have no legal right to collect.

I have requested records of this debt and Cavalry Portfolio has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 



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Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent {$500.00} in funds from a friend on VENMO. I received the confirmation and accepted it. The funds were taken out of my friends account, but never put into mine. 

With Venmo you can only Chatbot, you can not speak with anyone. I have contacted them several times. The first person I was in touch with refunded the transfer fee because I did not get the money. The second person gave me the last four of the card number where the money went. IT IS NOT MY CARD NUMBER, and never has been. I told them that and they froze my account and put in a dispute. A few days later, I received an email that " the dispute has been resolved and denied ''. I have put in several disputes since then and keep getting the same answer. 

THIS HAS NOT BEEN RESOLVED. They accepted funds on a card that is not and has never been mine. They obviously have the card number, as they gave me the last four numbers. This is almost a month of back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were shopping at XXXX XXXX XXXX XXXX, We visited the customer service desk to obtain a membership card for her thru my account. The representative took care of our matter and offered a preapproved credit card that I initially declined the offer, after a sales pitch we can save XXXX a gallon on fuel plus any other offer they have by using the card and assured it was preapproved my wife encouraged me to move forward with the offer. The representative at XXXX XXXX asked me a few questions and said the card will arrive in the mail about 10 days. All was well till I got a letter from XXXX XXXX XXXX  rejecting my XXXX XXXX credit card due to to many new credit in the last 12 months. My initial decision to decline the offer was to avoid an other hard inquiry to my credit bureau 's. XXXX XXXX XXXX blamed this on XXXX XXXX   customer service, XXXX XXXX customer service told me in no way did they have anything to do with this situation, It Was XXXX XXXX XXXX showing them on computer screen I was preapproved from XXXX XXXX XXXX web site. Representative at XXXX XXXX  told me this happens a lot.
Product: Debt collection

Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account, XXXX XXXX XXXX inquiry dated XX/XX/2021 and XXXX inquiry dated XX/XX/2021. 

Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT XXXX XXXX. XXXX and XXXX XXXX XXXX ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Civil liability XXXX XXXX Code XXXX XXXX ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
XXXX XXXX XXXX XXXX - Civil liability for willful noncompliance. XXXX XXXX. XXXX - XXXX XXXX - Unannotated Title XXXX. Commerce and Trade XXXX. Civil liability for negligent noncompliance. XXXX XXXX XXXX XXXX - XXXX liability. Delete account from consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry- XXXX XXXX Inquiry-XXXX XXXX Inquiry-XXXX XXXX XXXX Inquiry-XXXX   Inquiry-XXXX These inquiries need to be deleted from my transunion credit report I tried contacting them and their customer service would not help and take care of the negative inquiries reporting to to my credit report that should not be there when I tried To let them know that these should not be on my account