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

Experian continues to violate my consumer rights. I have a right to complete and accurate information in my file. Experian is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

There is a collection company that charged me twice for the same service. I paid one account and they advised me they would correct their error and it is still on my credit file. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was informed by my credit card company via a text that they detected a suspicious charge from XXXX, I do not currently have nor have I ever had a XXXX account, and I replied that the charges where fraudulent. They sent me a new card and immediately upon activating the new card I received another text message stating that I again had these suspicious charges from XXXX on my account. Upon contacting the company they informed me they would contact XXXX and resolve the issue and contact me via a phone call. After four days of no contact I decided to attempt contact with them upon which they informed me that the claim had been resolved. I again contacted them and after being on hold for over 90 minutes and being constantly transferred to the incorrect department they informed me that they in fact had not resolved the claim and had not contacted the third party XXXX XXXX in this case ). Mind you that I have not used this card in months and when I suggested that they may have an issue on their end ( I suggested a date breach since I had not even used the card yet ) they informed me that it was in some way my fault and I should resolve it with XXXX myself. I am completely dissatisfied with the abhorrent customer service of this company and their complete disregard for customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I tried to pull my XXXX credit reports, XXXX of the XXXX worked perfectly fine, Equifax, did not though. I went through the process as instructed, and was told We've experienced an issue processing your request I tried to continue on and go back to retry, hoping to get a troubleshooted workaround, but was prompted that if I continued on, I wouldnt be able to access my report again. So then I called the number that was given to reach out to. I called, and tried to get to an actual representative. After calling XXXX  times, I finally got put into a queue. After sitting on hold for XXXX, the call dropped and I was hung up on. I went back to the webpage to try and re verify myself, and when I got back to the page that prompted me of the error, the message now displayed that I already received my report and wouldnt be able to get another copy.
Product: Checking or savings account

I bank with Bank of America. I deposited a check through the mobile app on XX/XX/XXXX.19 ( XXXX XXXX ), in which an immediate 7 day hold was placed. The bank was closed when I made this deposit due to the holiday. I called them on XXXX19 to inquire why there was a hold, where they told me to call back on XX/XX/XXXX.19 when the check had posted and they were able to look at the picture. When I spoke with them the morning of XX/XX/XXXX.19 they informed me that the bank the check was from is holding the funds and making them unavailable for 7 days. At this point I called the bank the check was issued from and they said that the funds had already been released and sent from the account the check was written from. I called Bank of America back and they now are telling me they are holding it for fraudulent activity and they are allowed to hold the funds for 10 days for that reason. So I have received 2 different answers and they wont inform me what fraudulent activity is causing the hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE RTG CRB GS Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card or prepaid card

Apparently in 2017 a XXXX XXXX was opened and used under my name this card was never opened by me nor used by me. I'm now in a collection dispute with the attorneys at Midland Credit Management , Inc . 

I have told them this is fraudulent charges to my knowledge.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXXXXXX. Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the 3 bureaus, XXXX Equifax, XXXX To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Product: Mortgage

I refinanced my mortgage. I originally had PMI on the mortgage. But after the refinance there would no longer be PMI. My loan was paid off  XXXX   XXXX . On  XXXX   XXXX  the mortgage company took out a PMI payment for  XXXX , since it is always paid in arrears. Then, again, on   XXXX   XXXX   the mortgage company took another full PMI payment, this  XXXX  for the month of   XXXX  . I challenged that since I only had the loan for 4 days in  XXXX  and I believe that month should be prorated. The mortgage company argues that I have to pay for the full month yet the can not provide me with documentation for my loan where this is allowed or where this is even legal or where I ever signed any type of acknowledgment of this practice. I am requesting a refund of my {$180.00} prorate for the month of  XXXX .
Product: Credit reporting or other personal consumer reports

I to who this may concern, I recently checked my credit report and to my findings came across inquiries that I did not approve of. This has been causing a strain on my credit report thus leading to mental and financial difficulties for me.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice regarding alleged late payments that have been furnished to my credit file with [ Experian ] These late payments have been reported as XXXX XXXX XXXX  Per 15 U.S. Code 1666b - Timing of Payments, a creditor can not treat a payment as late unless the following conditions are met : Each periodic statement ; The information required under 15 U.S. Code 1637 ( b ) ; Was mailed or delivered to the consumer ; At least 21 days before the payment due date. 
To substantiate the legitimacy of the furnished late payments, I request that you provide documented proof of compliance with 15 U.S. Code 1666b. Specifically : Evidence that each periodic statement containing all required information under 15 USC 1637 ( b ) was mailed or delivered to me ; Proof that this mailing or delivery occurred at least 21 days before the payment due date. 
If you can not provide this documentation, the late payment reporting is inaccurate and violates 15 U.S. Code 1681s2. 

Additionally, under 15 U.S. Code 1681s2 ( 7 ), a financial institution furnishing negative information to a consumer reporting agency is required to notify the consumer : In writing of the furnishing of negative information ; Prior to or no later than 30 days after submitting such information. 

Also its come to my attention the CFPB complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 
I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Experian : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Experian that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( {$3100.00} collection ) and 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with XXXX  through the application. 3 loans XXXX XXXX XXXX XXXX XXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One XXXX  rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the XXXX  app to make a purchase was XX/XX/2022. XXXX XX/XX/2022 {$93.00XXXX XXXX  XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX, today is XX/XX/2022 and i'm filing this complaint against the unfair practices at EXPERIAN INFORMATION INC without any help or assistance ... ... ... ... ... ..... 
in pursuit to FCRA 15 U.S.Code 1681i ( B ) ( i ) 15 USC 1681i ( B ) ( i ) -Information cant be reinserted without the information being reported 100 % complete and accurate. 
AFFIDAVIT Notice, it is a fact, affiant is aware, this information was previously deleted as shown in EXHIBIT ( A ). However I see this information associated with XXXX  ACCOUNT # XXXX has been reinserted on my consumer report yet again, and it is reporting both incompletely and inaccurately. This is a violation of 15 U.S. Code 1681i ( B ) ( i ) and XXXX ACCOUNT # XXXX must be removed.
Product: Credit reporting or other personal consumer reports

On my Experian only it shows a credit card. For a name similar to me but not the same name. Different address and I have only first second and last name not XXXX second names. Also as an adult only ever lived in XXXX XXXX. XXXX and XXXX as of recently. XXXX  XXXX XXXX did not want to help unless Experian asked for anything. Experian ignored and did not investigate. Please help remove from my credit report and put it on the correct person
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX my client paid my invoices totaling {$20000.00} dollars through XXXX. XXXX uses WEPAY as a processor to send money to my chase business account. 
In my WEPAY account it showed the deposits, their fees and they were sending my bank {$20000.00}. There was no eta on when those funds would be completed and deposited to my chase account. I sent Wepay an email since that is the only way to get a hold of them as well as put a ticket in with XXXX. I got a reply from wepay on XX/XX/XXXX request ticket # XXXX stating that the money had completed the review and a settlement would be proced shortly. I emailed back for an XXXX as I have payroll to pay. They replied back that a settlement of {$300.00} was sent to my bank account on XX/XX/XXXX I have no such deposits. I emailed back requesting to know when my full amount will be deposited and where was it. I received an email back stating that someone from a support team would be reaching out. 
I got an email from WEPAY customer delight team on XXXX stating : " Chase XXXX Payments Unfortunately, we can no longer support your business because your account falls under a category of which we are declining to process. 

At this time, with the information provided on your business, we are unable to continue processing payments for your account. 

More specifically : After careful review, it has been determined that we will no longer be processing payments for your account and have closed the account. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. Please contact us after the 120 days has expired. 

If your balance goes negative, we'll recover those funds from your bank account. For full details, please refer to our Terms of ServXXXX. 

We wish you all the luck in the future, and hope that you find a processor that better fits your payment processing needs. 

Sincerely, The WePay Team '' Now my {$20000.00} dollars are gone! My wepay account is closed with no other reply from them when I requested further review and a call with a human. This has triggered a great financial burden on my small business, I have vendors to pay my office rent my employees. Wepay has failed to deliver my money and has failed to respond to where my money is and when I should expect it. I don't know what to do at this point.
Product: Checking or savings account

On XX/XX/XXXX a Saving Account and a Checking account were opened with Citi Bank. Within 150 days waiting period I was to receive a {$400.00} and a {$100.00} signing bonus. On XX/XX/XXXX 150 days have passed and I have NOT received the bonus. Multiple phone calls to CitiBank have not resolved this issue.
Product: Debt collection

XX/XX/23 Hunter Warfield contacted me and demanded I pay for a collection
Product: Debt collection

I received a collection letter from Choice Recovery Inc. alleging a debt to XXXX XXXX XXXX in the amount of {$120.00}. I responded in writing to inform Choice Recovery Inc. that I have no record of any {$120.00} debt to XXXX XXXX XXXX, which office routinely makes billing errors, and that a bona fide dispute exists as to whether or not this debt exists. I did not hear back from Choice Recovery Inc. ; certainly they did not provide me any documentation to evidence the existence of this debt. However, on XX/XX/2018 Choice Recovery Inc. informed the credit ratings agencies that this debt had been placed for correction. My FICO score dropped immediately dropped from XXXX to XXXX.