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

I am filing this complaint with the CFPB against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). Experian is reporting inaccurate information on my credit file without my authorization, which has severely impacted my financial stability. I recently obtained a copy of my credit report and discovered an unauthorized and inaccurate account that must be immediately deleted : XXXXXXXX XXXX ( Account Number : XXXX ). 

Experian has violated 15 U.S.C. 1681b ( 2 ) Permissible Purposes of Consumer Reports, which explicitly states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. I never provided Experian with written authorization or consent to report this account. Additionally, Experian has failed to uphold XXXX5 U.S.C. 1681e ( b ) Maximum Possible Accuracy, which requires consumer reporting agencies to ensure the highest level of accuracy. The information reported about this account is inconsistent with other credit bureaus, raising concerns about its validity. 

Beyond violating federal law, Experians actions have caused severe emotional and financial harm. Due to this inaccurate reporting, I have been unable to secure a mortgage, leaving my family in an unstable housing situation. This situation is devastating, and I am seeking immediate intervention from the CFPB to hold Experian accountable. Furthermore, Experians reckless reporting has resulted in alleged identity theft and defamation of character, causing unnecessary hardship. Their failure to comply with federal regulations demonstrates willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, making them liable for damages of up to {$1000.00} per violation. 

I am demanding that Experian immediately delete this inaccurate account from my credit report. I also request that Experian send me a written confirmation within 14 days stating that the account has been deleted and provide me with an updated copy of my credit report. I urge the CFPB to step in and ensure that Experian is held responsible for these violations. No consumer should have to suffer due to Experians negligence. I appreciate your assistance in resolving this matter and ensuring my consumer rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed multiple times with XXXX/XXXX/Transunion and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't
Product: Student loan

Beginning on XXXX/XXXX/XXXX I had left my company and was out of work. At the time I had funds to continue paying my student loan, but then I needed to find some time of full-time job since my bills started adding up, which I was able to secure in XXXX. However, the job I am currently working does not provide me nearly enough money to pay all of my bills and I had requested to Navient for a forebearance/reduced loan grace period during late XXXX XXXX XXXX. After I thought I had submitted everything correctly to Navient, I was given a letter back saying that I had needed to submit my information again, which was confusing. I wound up not re-submitting and am continue being charged the full amount for my monthly student loans, which I ca n't afford at the moment. 

I am requesting to get the money I had paid in both XXXX XXXX and XXXX XXXX back into my account, since I do not want to work with Navient anymore on repaying my student loans. I am aware of the issue going on between the Government suing Navient for the unethical actions towards their customers. 

Unfortunately, I do not have the supporting documents from Navient, but I 'm sure they can provide my submission request or a background check will show that I was out of work from XXXX to early XXXX XXXX. 

Please let me know if any further information is needed here. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( XXXX ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] *Account Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name XXXX XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I submitted a document from the consumer protection act stating that that account was inaccurate and needs to be removed around XXXX of XXXX, In XXXX of that year the account was removed. Not only have they tried to return it to my credit, they have increased the amount again. This is an illegal act of the credit collections agency to get paid for a debt that has been satisfied. If you look at my credit report in all of XXXX, you will not see this account, they even tried to update it as if I just went delinquent on it, that account is over six years old. The original date of this account was in XXXX, not XXXX. 

In the attachment is the template of the letter that I sent them. I sent them the original so I do not have a copy of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$5100.00} StatusOpen. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$500.00} StatusCollection account. {$500.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I recent a hard inquiry on my Equifax credit report from XXXX XXXX that I did not authorize or give consent. I later received a letter around XX/XX/XXXX from XXXX XXXX in regards to completing my credit card application. I contacted XXXX XXXX XX/XX/XXXX and informed them I did not authorize a credit inquiry or submit an application and this was a fraud attempt to acquire credit under my social security number. The bank closed the application and told me that a notification to remove the hard inquiry was sent to all three credit bureaus. Due to the fraudulent attempt on credit report, I initiated a Fraud Alert and credit report freeze at all 3 bureaus. I have been submitting a dispute regarding the hard inquiry on my Equifax report alerting the bureau of the fraudulent inquiry everyday that keeps getting rejected or closed within hours after the dispute was initiated. I did not authorize the hard inquiry shown on my Equifax report from XXXX XXXX XX/XX/XXXX or at any time. This is a fraudulent attempt for someone to obtain credit falsely under my social security number and this inquiry should be deleted from my credit report.
Product: Mortgage

The loan servicing company forcing me to pay my property tax to them, while there is no documents exist with my signature that I am obligated to pay my taxes to the lender.   I am paying my mortgage on time and paying my property tax on time through them when it is due, not on a monthly bases.   They applying my mortgage payment towards escrow account, and then threaten me that I am in default.
Product: Prepaid card

I attempted to use the card for an online purchase. Vendor rejected the transaction because my address did not match the address provided by the gift card company. While the transaction was rejected, funds were deducted from my account and not available to me. I phoned Omnicard and they confirmed the funds were in a pending status, unavailable to me, and would not be available for 6 days despite the fact the Omnicard also acknowledged the transaction was rejected ( immediately ). This process is designed to impede transactions, making it more likely that Omnicard benefits from their time-based fee structure, harming their customer in the process. In addition to filing this complaint, I will share my experience with my large employer ( XXXX employees ) and encourage them to discontinue their relationship with Blackhawk/Omnicard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been 90 days today I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on XXXX XXXX and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
1-XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no idea why. While reviewing my report as usual, I noticed discrepancies that seemed to come out of nowhere. Even after refreshing my browser to rule out a glitch, the issue persisted. I urge you to carefully review the documents I provided and resolve this problem immediately so I can feel secure again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Student loan

From 2007 till now, it has been so difficult to get my servicer, which seems to change all the time, to lower my payments. When it is done, it is cancelled after sometime without notice, Instead I get pushed to apply for a forbearance, instead of just allowing me to continue to pay as I earn. Moneys taken out of income tax return is never seen on my account, no contact is made to let me know that money has been recieved. It is a mess. My credit is poor because of all the interests. I know I'm being mislead, and overcharged.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX XXXX Auto Loan Account XXXX Balance due : {$45000.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Chase bank of a fraudulent application submitted with his information without his consent for a Chase/XXXX account. An inquiry was made into his XXXX and XXXX credit report ( s ) XX/XX/2018 related to that application. An official dispute of this was mailed to Chase/XXXX   XX/XX/2018 ; as of this date Chase/XXXX  has not provided an update to the investigation of this issue which is a violation of the FCRA.
Product: Credit card or prepaid card

Hello, I have a XXXX credit card with TD Bank which had over {$2300.00} in fraudulent charges. I reported this fraud over the phone ( several times ) and was told on two occasions and told I would have to wait 90 days to get a response. The employees did not inform me that waiting 90 days for a response would eliminate my protections under federal law as any disputes must be made in writing within 60 days. It has been 27 days since I reported the fraud and I have yet to receive a case number. 

As such, I sent a certified letter disputing the charges, as the pattern of behavior seems to be to delay investigating such charges until I lose my right to be protected under federal law. It has been extremely hard to even contact anyone at the bank due to multiple hour hold times, I have been hung up on several times, and have had no luck getting in touch with someone who can address my concerns or provide me even with a case number. They do not show the charges as disputed in writing online or in any letter, nearly a month after reporting via the telephone. 

I believe that TD Bank is intentionally telling customers to wait 90 days via in order to ensure that a customer loses their federal protections against credit card fraud. This is pattern of behavior I have witnessed among their agents. They do not inform the customer who is calling on the phone that TD Bank has a policy that they do not have to take action on complaints made via telephone, and under federal law the customer has only 60 days after receiving their statement where they can file a written claim. They KNOW that a customer will lose all rights under the law and cardholder agreement to dispute fraudulent charges should the bank not launch an investigation or not find an outcome in their favor. 

Additionally, TD Bank ( and XXXX ) engage in deceptive advertising, saying that customers have " zero liability '' and that charges are refunded in **five** business days. In the fine print, this five day policy is discretionary. Visa and TD Bank also fail to inform consumers that they lose their protections against fraudulent charges under the law if they do not submit a written claim and only file a claim on the phone. 

I suggest the CFPB investigate these practices, I suspect that TD Bank uses this tactic to avoid their responsiblity to cover fraudulent charges under the law. There is nothing I can do as a single customer, but I have seen other reports of this behavior online. I hope that my complaint spurs some action into forcing more transparency and faster response times for card holders who have been the victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX 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

This is a XXXX debt under {$500.00}. As of XX/XX/2023, this type of debt can no longer be reported to credit bureau and should not be showing on my credit report.. Phoenix creditor should not be reporting this XXXX  debt ( under {$500.00} ) to XXXX. 
XXXX should not be showing this creditor on my credit report.