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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. 

XXXX  Account Name - XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My student loan balance is XXXX. XXXX and XXXX have provided the necessary paperwork to show that my loans were forgiven and that my balance is XXXX but Experian will not update the loan balance to XXXX. This affects my debt-to-income ratio and they need to fix it. I provided all paperwork to them and the only thing they updated was that the " monthly due amount '' is XXXX. This is incorrect. The balance is XXXX, not {$14000.00} and needs to be reflected as such. XXXX has updated the balance to zero, I don't understand why Experian would be willingly reporting this incorrectly despite proof and records that show the balance is XXXX.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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

XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Negative Accounts 1. XXXX XXXX Account # : XXXX Type : XXXX XXXX  ( Installment ) Balance : {$1900.00} Past Due Amount : {$1800.00} Payment Status : 120 days past due Recent Late Payments : 90, 60, and 30 days late in recent months 2. XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Type : Debt Buyer ( Collection Account ) Opened : XX/XX/XXXX Derogatory Status : Collection account in default 3. XXXX XXXX Account # : XXXX Type : XXXX XXXX ( Installment ) Status : Closed, was past due 30 days before being paid 4. XXXX XXXX  Account # : XXXX Type : Installment Loan Balance : {$12000.00} Status : Pays account as agreed but reported as derogatory HARD INQUIRIES : XXXX  ( XXXX  Other than Personal ) XX/XX/XXXX XXXX  ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( All Banks ) XX/XX/XXXX Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to Equifax Office of consumers affair in the past and asked for this extended fraud alert to be removed that has a date of XX/XX/XXXX-XX/XX/XXXX that I did not ask to have placed on my credit file. It states that my file is blocked for promotional purposes. According to the FCRA the consumer has the right to have credit freeze and fraud alerts removed at their discretion whether they had it placed or not. My rights are being violated with this extended fraud alert still on my credit file after asking numerous times for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2 months ago i requested my credit report and i haven't received anything.
Product: Credit reporting or other personal consumer reports

I have submitted more than XXXX disputes for these accounts with no resolution to date. The latest XXXX being dated XX/XX/XXXX. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 and 12 CFR 1022.24 - Reasonable opportunity to opt out. Reasonable opportunity to opt out because I was never notified that my nonpublic personal information was going to be shared to nonaffiliated third parties. In addition, per all contracts that are currently held have this statement, 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Several other violations are occurring because of the information listed on my consumer report. As you can see in the attachment of the three credit agencies, must comply with, 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 6801 - Protection of nonpublic personal information, [ 15 U.S.C. 1681s-2 ], 607. Compliance procedures [ 15 U.S.C. 1681e ], 15 U.S. Code 1681e - Compliance procedures, 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2, Opt-Out Requirement ( 15 U.S. Code 6802 ( b ) ( 1 ) ), 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 16 CFR 313Privacy of Consumer Financial Information and 313.7 Form of opt out notice to consumers ; opt out methods, the model privacy form was not presented nor made in clear and conspicuous manner, 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX, all contracts have this statement on them so it applies to them, and the Privacy act of 1974. The accounts across them are not accurate. Thank you in advance for deleting these accounts or be liable under, 15 U.S. Code 1681n - Civil liability for willful noncompliance and or, 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

I am bringing this to your attention because Experian has failed to conduct proper investigations into disputed items on my credit report, and in some cases, has failed to remove or has reinserted inaccurate information despite my formal disputes.

Details of the Issue : Inaccurate Information on My Credit Report : I noticed that there are inaccurate or outdated entries on my Experian credit report that need correction. 
Dispute Process : In XX/XX/year>2024, I submitted formal disputes to Experian regarding these inaccuracies. I followed all required steps to notify Experian of the errors, providing supporting documentation as necessary. 
Experians Failure to Properly Investigate ( 15 USC 1681i ( 5 ) ) : Despite my efforts, Experian failed to properly investigate the disputed items, as required by 15 USC 1681i ( 5 ). According to this law, the credit reporting agency must thoroughly investigate disputes and correct any inaccuracies. However, Experian failed to conduct any meaningful investigation or resolve the discrepancies on my report.

Failure to Comply with Reporting Requirements ( 15 USC 1681e ( b ) ) : Under 15 USC 1681e ( b ), Experian is obligated to maintain reasonable procedures to ensure the accuracy of the information it reports. The continued presence of these inaccuracies on my report indicates that Experian is not following reasonable procedures to ensure data accuracy.

Failure to Remove/Reinsert Inaccurate Information ( 15 USC 1681s-2 , 1681c ( c ) ) : Despite my disputes, Experian has either not removed or has reinserted erroneous information on my credit report. As per 15 USC 1681s-2, this is a direct violation of the law, which mandates that credit reporting agencies take steps to ensure that only accurate information is reported. Additionally, under 15 USC 1681c ( c ), outdated information should not remain on my report after the statutory period.

Impact on Me : The failure to address these issues has caused significant damage to my credit score, which directly affects my ability to access credit, secure housing, and gain employment. I have been negatively impacted by Experians inaction, and I am seeking corrective action immediately.

I respectfully request that the CFPB investigate Experians actions and enforce compliance with the FCRA, resulting in removal of said inaccuracies from credit report. 

Sincerely, XXXX XXXX ( Maiden name : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX Equifax dispute Confirmation Number : XXXX It has been past 30 days and I have not been notified that the dispute was complete. 
The dispute was in regards to a XXXX account. I am disputing late payments on this account for the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

In XX/XX/2022 I had a personal check that I had made out for {$10.00} to help a charity. Mailed with other letters stolen for the mail box at the XXXX XXXX Chase Bank Branch. The check was subsequently stolen and altered from {$10.00} to {$900.00}. XXXX and written over to another payee.then cashed it at XXXX XXXX XXXXXXXX.thru the ATM. I have filed a claim with my bank to have this investigated and have my money returned. I was told that the bank has 90 days to resolve the situation. Iwas not happy to hear it would take so long but now its been almost 6 months and I still havent been credited my {$900.00} to my account. 
when Ive called to inquire Ive been spoken to rudly even XXXX XXXX on and I have been with chase Bank for 7 years. I need my money back asap.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 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 XXXXXXXX XXXX XXXX of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} XXXX XXXX XXXXXXXX - Balance {$1100.00} XXXX XXXXXXXX XXXX - Balance {$0.00} XXXX XXXX XXXX - Balance {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX Bank XXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.
Product: Debt collection

I had a Credit Card with XXXX XXXX that became delinquent when I was XXXX years old. I moved away XX/XX/2008 for college and began professional career, and in between that time I was not able to be financially stable to repay the debt. This account was closed and given to Portfolio Recovery that has claimed that I was aware of this attempt to collect debt, but they never had an updated address to where I could receive an opportunity to dispute. Also the company has harassed me since at my place of work, family members, and continually unethical and unfair reporting that at times seems borderline illegal. I have moved back home recently after 12 years and never received any notification because I had changed addresses with any notification. I would move that this derogatory mark be removed from all credit reporting agencies XXXX, XXXX, and XXXX to rectify the injustice and abuse of consumer information.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a formal dispute letter was sent to experian to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK. looked at my credit report today X/XX/17 and it had already shown up that CNBA had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!
Product: Money transfer, virtual currency, or money service

I signed up for a Venmo account because I needed to send my sister money! The transaction was denied every time! It states numerous places on Venmos website, on its app and a simple XXXX search, that you can use Venmo without having to verify your identity but have limitations on your account that verified members dont. I was sending {$100.00} it was nothing huge and it was denied! I reached out as to why and was rile to try again and then an email came saying my Venmo account was frozen because they needed to verify my identity. It states that a payment over {$300.00} a withdraw over {$1000.00} or to hold a balance in Venmo would require to when your id verified. I was sending {$100.00} and not meeting any of those thresholds so based off the information that they provide, I wouldnt need to do that. They asked for a copy of my license, i responded back that I didnt need to provide it, because no transaction I did or tried met the criteria! I attached the articles to the email and sent it and they wont even acknowledge it. This isnt the first time Venmo has been misleading with consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to Add the XXXX XXXX XXXX XXXX  Tradeline that I'm an Authorized User on my Parent 's Account. Its already been Added on XXXX & XXXX but you have continuously failed to report. I have contacted the Executive Office & this is my final result before I follow a Lawsuit against the entire XXXX XXXX. I have Attached Copies of my most recent XXXX, & XXXX  Credit Report
Product: Credit reporting or other personal consumer reports

these accounts are a result of id theft. i have no knowledge of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax data breach and believe some of my accounts were compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.
Product: Debt collection

AWA Collections is attempting to collect a debt that was paid on time more than a year ago. I have received a collections letter via USPS. This company is not available by phone and has no Internet presence other than a payment portal that has no mechanism to contact or dispute debt. 

The insular nature in the way this company operates is unfair to consumers. Particularly for those who want to dispute the debt. The dispute process needs to be accessible from multiple platforms in an effort to ensure accuracy and convenience.
Product: Credit card

In XX/XX/XXXX I received an alarming call from Portfolio Recovery Associates ( XXXX ) telling me that they were about to take me to court over my XXXX account -- which due to financial problems and XXXX -- had fallen into collection. PRA had bought the debt. Never having been in collection before, I panicked before asking for proof of their account ownership, and set up a payment of {$100.00} per month and a settlement of {$600.00} which had been originally a bill of {$800.00} owed to XXXX. I paid them from XX/XX/XXXX to XX/XX/XXXX. I was told at the time that I would be sent a letter of pay off - which I have never received. I am now on better financial footing and cleaning up my credit - I called PRA to get the letter and now they say they have no record of my account or payments. I told them I have the bank statement. They said that perhaps they had credited the payments to another account - but what worries me is that they have no record of my account at all. They told me to call XXXX to make sure they had the debt. So I called XXXX and they told me that they sold the debt - but could n't tell me to whom, or my old account # but they could call the buyer and they would contact me. Well, it 's been XXXX months and no one has called. So, I called PRA again this week they are still insisting that they do n't have my information, but to send them the bank statement - which I have done as of this Monday. the bottom line is that I can not figure this out, its still on my credit as open - and I am out {$600.00}. Please help me!.
Product: Debt collection

XXXX XXXX XXXX XXXX has been attempting to collect on a debt on behalf of My Quick Wallet after the principal was paid and has also made several FDCPA violations when attempting to collect on the claimed debt that is owed. Failure to cite the mini XXXX, failure to state that I was on a recorded line after pulling up personal information, and threatening to have a judgment entered against me when I haven't received validation of the debt, and an action hasn't been filed against me. I have never received a notice of intent to sue or any other notice prior to being told that a judgment would be entered against me. 

When I attempted to request a cease & desist, and verification of the debt, after being threatened of a pending judgment against me, the collector hung up on me.