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

The issue is that Experian is in violation of my rights under the FCRA. They have failed to provide me with the methods that they used to verify false information on my credit report. Not only have they failed to provide me with proof of an actual investigation, but they continue report accounts that could not be verified by to original creditor. 

OnXX/XX/2020, I sent a letter to Experian via certified mail ( tracking XXXX ) requesting that they provide a summary of how they verified the information on my credit report. Experian never responded to my letter and they continue to report unverified information and accounts. The method of verification should be provided within 15 days, but it has been nearly two months. It is my understanding that any information that can not be verified must be removed. Information that they fail to show how it was verified must be removed as well or I can hold them liable for damages. 

I also took the liberty of reaching to the individual creditors. XXXX XXXX XXXX  could not be verified because the address provided was not a real address ( a image of the returned envelope is attached ). The XXXX XXXX XXXX  was removed but added back to my report without any explanation by Experian or the creditor. The XXXX XXXX XXXX never responded to my request and they report that I live in Arkansas. I have never lived in Arkansas. 

By continuing to report this inaccurate and unverified information, that are in violation of the FCRA and could potentially be liable to fees and legal action. I have attached all of the letters and information that I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please notice, I am the author of this complaint and no 3rd party is acting on my behalf This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 
The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

I reviewed your credit reports and discovered that I had been a victim attempted identity theft. This resulted in many unauthorized injuries that were made without my authorization, authority or knowledge. These are identity theft. 
The inquiries are : XX/XX/24 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
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( b ) Accuracy of Report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall ( i ) promptly delete that item of information disputed by the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation-and ( ii ) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX XXXXXXXX account # XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion refuses to remove fraudulent inquiries from my report. I have tried several times to have them removed. They are from XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/2023. I never applied for credit, especially with XXXX XXXX. 

XXXX XXXX, XX/XX/2023. These, I assume, came with car shopping as a co-signer, I didn't know they were going to submit credit applications to other banks. 

SANTANDER CONSUMER USA, XX/XX/2023. Also, I assume these were from car shopping ; however, they never mailed a reason as to why and I never approved of them running it XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/2023. I applied for a credit card but didn't know they would leave a hard inquiry on my credit report. 

XXXX XXXX XX/XX/2023. Just went in to look around for a car, but never purchased it from there. Also never gave consent to run a credit application because we didn't need to.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Debt collection

Been receiving emails from XXXX XXXX claiming to be with True Accord stating that I owe XXXX XXXX {$420.00} and I can settle for {$330.00}. I looked up XXXX XXXX and they finance Horse Trailers. I live in an apartment complex. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, Equifax, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I requested a validation of debt from a collection agency and the sent me information that violated HIPAA. They documentation showed procedures that was performed. I never gave permission to that collection agency to have access to any part of my medical records.
Product: Credit reporting or other personal consumer reports

After a router charger blew up and fried my XXXX, ( last XXXX ) I lost all my passwords and had to set up a new account with XXXX XXXX. I use XXXX to send money to my caregiver in XXXX because the XXXX XXXX XXXX doesn't accept XXXX debit cards and the local money exchange, XXXX- where XXXX XXXX is, doesn't accept XXXX at all. I have used XXXX successfully for four or five years until I had to change my email / registration and immediately after changing my XXXX account access, my transactions were blocked and XXXX said GIACT was responsible for that intervention. 

I don't understand because XXXX and my credit union have a security contract that detects fraud very efficiently. Why is GIACT interfering with my banking?

I was finally able to speak with a GIACT rep today and they said they only file reports, they don't block access. That's nice, but they were wrong to file a report on my old bank acct and the new bank acct I set up recently trying to work around their stupidity. I never had any problems with sending money for my needs until GIACT intervened. According to their website, they partnered with XXXX, a XXXX financial security organization. There are so many things wrong with this situation. I filed a complaint against GACT with the XXXX and have asked my US representative for a referral to someone on a banking regulations committee.
Product: Student loan

I am XXXX XXXX and when i called Navient solutions in XXXX to ask for private loan forgiveness due to XXXX XXXX they stated that I couldnt not because it was A private student loan thru sally Mae originally and i said that all my sallie Mae loans were forgiven and another one that was with A bank which was A private student loan. I asked again in XXXX, XXXX and they continue to say no and every year until i just noticed that this whole time, they have lied to me and call me every 6 months asking if i can Increase my payments. This company has put me in so much stress fighting with them that i was having XXXX and i just called them now and when i asked about loan forgiveness she said they dont offer it but as soon as i said thats actually not correct i had A company in XXXX private student loan and because Im XXXX XXXX it was forgiven and then she stated your doctor said your XXXX XXXX i said yes and why is your company stating you dont offer it when its actually available and she said Ill mail you the paperwork i said thats fine but Ive been paying monthly and i was lied to and all the stuff i had to go thru and now its me filing all over again plus its effected my credit etc I was taken to court by XXXX XXXX years ago for the same issues and finally after doing thru so much stress with them fighting for private loan forgiveness and doctors filing they approved it but Navient even went after my social security and had money taken out knowing i was XXXX and unable to work
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of fraud, and I request the immediate removal of the collection account and any related inquiries from my credit report. I have evidence supporting my claim and would appreciate your assistance in rectifying this matter.Please delete the following collections and inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$8000.00} Thank you for your attention to this urgent issue.
Product: Mortgage

I have a friend, who is on social security XXXX/retirement and receives her XXXX benefit on her XXXX XXXX XXXX ( there is no option offered as to the type of card -- see below website ) XXXXXXXXHer mortgage company is Nationstar and every month she has to make her mortgage payment using XXXX XXXX , which involves driving to the store and cost her {$13.00} ( soon to be {$16.00} ), because Nationstar Mtg does not accept XXXX debit cards, only XXXX. Is it legal to limit someone 's ability to pay their mortgage payment and only accept a XXXX cards? What bothers me is the people it effects -- our XXXX and XXXX who are on fixed incomes. I want to know if mortgage company 's are allowed to do this, how can they accept XXXX and not XXXX? That makes no sense to me and is not only causing a hardship for my friend physically and financially, it affects any other XXXX or retired people who are stuck with Nationstar as a mortgage company and receive their government benefits through XXXX XXXX. Can something be done?
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I applied for a loan online and XXXX XXXX XXXX was the company that received my application. At the time I was shopping for the lowest rate. I spoke with the manager and he stated he would give me a discount and I would only pay {$64.00} of interest for the life of my loan. He did everything on the phone. I never signed a contract or received Truth in savings disclosures. Then after I paid the full balance I called to see if all was well and the representative told me I had over {$500.00} more of interest to pay. I explained to her that a manager there gave me a discount and she stated that was only if I paid the full loan off in the first draft payment. That was not disclosed to me and she said well he no longer works here. Not surprised since he was deceiving customers. I told her I need a copy of the contract and they couldn't give it to me. Then on XX/XX/2018 I receive a link to sign my contract. I never received that back in XX/XX/XXXX. I think they falsely electronically signed the contract because now I can view a contract, but on XX/XX/2018 there was no contract on file. If I already had a contract from back in XX/XX/2018 why would I have to sign a new one XX/XX/2018 via email. I think once you click that link, they can say she clicked it so she signed it. I will attach that email. I emailed them the following information so that they do not call and harass me at my job. 
To XXXX XXXX XXXX : I placed a stop payments from your company on my bank account. I was informed by a representative of your bank on the interest of my loan. I was told that after I paid my loan in full, the only interest I will pay is {$64.00}. Now I have been told that this is only the case if I paid you in full on the first draft. I never received a contract in my email nor did I receive a truth in saving disclosure until I called and asked for one on XX/XX/2018. You have been paid the full {$500.00} plus interest. I have no problem paying you the additional {$10.00} dollars based on my original conversation with the representative I spoke with at your company. Do not call my place of employment harassing me. I have told you not to call my job on a recorded line and I have now documented this by email. I have reported your company to the Federal Trade Commission for misinformation. I was deceived by your representative, who now I find out doesn't even work there anymore, probably because he had deceived other consumers. Do not call me employer phone and delete it which in your files. I will not be harassed. You have been paid all the full amount I borrowed which {$500.00} and deducted a total of 4 payments of XXXX from my Chase Bank account. This totals to {$550.00}, I only borrowed {$500.00}. Based on the conversation with your representative, I only owe {$10.00} additional of interest and you may call me to receive that amount over the phone or I will pay it online. Do not call my place of employment and harass me nor call my phone. I placed a case with FTC and CFPB on your representative 's deceptive behavior. And since you have been paid the full amount I borrowed, I believe this is fair.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/2018 but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and XXXX XXXX needed to make this decision. I asked her to forward my request to XXXX XXXX but she refused. I contacted the collections department at XXXX XXXX over the phone and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help from XXXX XXXX XXXX XXXX. nor XXXX Bank.
Product: Debt collection

Today is XX/XX/23 and I had called XXXX XXXX  XXXX a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to XXXX XXXX  XXXX. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 Halsted Financial contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/XXXX  is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. XXXX
Product: Checking or savings account

This involves US Bank. 

I called the number in the back of my debit card because I suspected fraudulent activity in my checking account. I was forwarded to the fraud department and was connected with a person who, I learned, was a scammer. She continued to " guide '' me through a process to " protect '' my assets. I had charges placed in my overdraft account. I think this was done to help me by the bank itself. She then told me to transfer my money to another bank, which I did. After my checking account money was transferred, I was told to use my credit card, which is at a level now it would not otherwise be. Thereafter, I did the same with my annuities after I was advised to liquidate them. It ended up being a scam. I believe the fraud department should be held accountable because my call to them was not protected. Either it was intercepted by the scammer or it was an internal problem. I hope you can help me. 

The scammer attempted to reassure me throughout the entire process that I called her. Also, I found a site which outlined how banks investigate fraudulent activity. They do, indeed, use outside agencies to assist at times. I was also sent emails by outside agencies, the Federal Reserve and CIA to assist with this continuing process. I was told I was a victim of ID Theft, should not talk to others about this and follow instructions, which they called the protocol. I used the transferred annuity funds to purchase gold via wire transfers and cashier checks. An " fbi agent '' came to pick up the gold from me. Lastly they wanted me to take a mortgage out for 50 % of the value of my home. I stopped there and called the FBI and filed a report with 1C3.gov. 

I hope you can assist me with this issue, as I know now I was scammed.
Product: Credit reporting or other personal consumer reports

I was onboarding with a company as a XXXX XXXX, had submitted all my documents ssn drivers license they gave me a schedule, i went for pre shift ride along with manager, andi got notification that checkr was running my background check. When they completed i got notification that the company was unable to offer me employment based on part or in whole based on information contained in the report including the following specific items in the report prepared by checkr inc the company reported informarion i have never been convicted of crimes, traffic tickets that were dismissed years ago and it states it was dismissed many years ago, these thingsare irrelevant today after XXXX  years but they caused me to no be able to work for this company as a XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX ( Miscellaneous Automotive ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX I request that these accounts be promptly removed from my credit report. Thank you for your attention to this matter.
Product: Debt collection

A LETTER WAS MAILED TO MY MOMS HOUSE ( WHICH I DO NOT LIVE THERE ) FROM MIDLAND CREDIT MANAGEMENT SAYING IT WAS A DEMAND FOR PAYMENT AND I NEEDED TO PAY A DEBT IN FULL OR THEY WILL SEND THIS TO AN ATTORNEY IN MY STATE AND GOES ON TO STAY THEY THEN WOULD THEN FILE A LAWSUIT.NOT ANYWHERE DID IT EXPLAIN MY RIGHT TO DISPUTE THE CHARGES.I DO NOT AGREE WITH THE CHARGES AND THE CHARGES ARE WRONG.THERE WAS NO BREAK DOWN OF CHARGES, PAYMENTS XXXX XXXX. THE Fair Debt Collection Practices Act ( FDCPA ) SES THEY ARE TO ADVISE ME OF MY RIGHTS TO DISPUTE, THEY DID NOT.WHAT THEY DID DO WAS THREATEN TO SEND THIS DEBT TO AN ATTORNEY AND SUE ME, ANOTHER TACTIC THAT VIOLATES THIS ACT.
Product: Mortgage

Mortgage company ( jp morgan ) repeatedly notified us that insurance has/will expire when it is current. Checking with account information shows the correct date, not the one included in their letters.