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

The Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian on XX/XX/year>. The CFPB claims that Experian has violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. The CFPB alleges that Experian : Fails to properly investigate consumer disputes Reinserts inaccurate information into consumer reports Fails to provide consumers with adequate notice of dispute outcomes Fails to use reasonable procedures to ensure the accuracy of consumer information I have been a victim of all of these above-mentioned actions and will seek to join a class action lawsuit against Experian if my demands are not met. I am demanding the follow accounts be removed to a frivolous and unlawful investigation. In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. Also, I had previously disputed accuracy of these account being mine. Per the FCRA law 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Me, the consumer, requested the written description of the procedure that was used to investigate my disputes within 5 days of receiving my dispute results. I never received anything in regards to my request per the FCRA law. I am demanding to know the credit reporting agency 's procedure including whom they spoke with, the company name, and the number used to verify my disputes and if my physical signature was witnessed by the credit reporting agency 's investigator. I am also demanding the follow accounts be removed to a frivolous and unlawful investigation. 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

From XX/XX/2018 I have been disputeing two account with Experian XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX or any means of automated verification. yet Experian allowing XXXX XXXX and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you requested the following is a Statement of the Facts as they pertain to my complaint to Chase Credit Card Services for damaging my credit. 

Chase Credit Card Services collected automatic monthly payments from my checking account in the amount of {$240.00} per month as agreed with one of their representatives to pay off my existing balance. The payments started in XX/XX/XXXX. My intention was to pay off the balance in a timely manner and repair my credit. The account has been closed since that time, and I have been receiving email statments which I have not reviewed mainly becuase the has been closed and my communication with Chase has been on the phone when they call to renew my auto payments. My reasoning for not paying off the account was to reestablish my credit payment history. The recession caused my to loose 75 % of my income and I was unable to manage my credit cards. 

On XX/XX/XXXX I checked my credit score on XXXX XXXX and discovered the error and immediatley made contact with Chase and paid off the unpaid balance based on my phone conversation. I spoke with two different people in the credit department and explained my situation and neither one of them offered any resolution to my dilema. 

Chase Credit Card Services has reported me to the credit reporting agencies 90 -120 days late since XX/XX/XXXX to date XX/XX/XXXX. My credit has been damaged in a dramatic way. In talking with a lender they should have applied my payments toward the unpaid balance first. It was never explained to me an unpaid balance was just sitting their causing the late reporting. 

I requested a copy of the my statements, which I have in my possession and can send to you if needed. 

Please let me know if you need further information from me. I have copies of my statements. I will also contact the Consumer Finance Protection Bureau for help in this matter.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report.

OFFICE OF THE ATTY GEN XXXX Balance : {$17000.00} ATTORNEY GENERAL-CHI XXXX Balance : {$17000.00} OAG CHILD SUPPORT ENFORE XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a postcard in the mail stating the following : " This letter is to notify you that within the past twelve months we have at least one report that added negative information to your NCTUE file. If you would like to receive a free disclosure copy of your NCTUE data report, please call toll free XXXX. This is the fastest way to obtain your NCTUE data report. This information may also be found online at www.nctue.com/colorado. '' When I called the phone number on the post card I was asked to enter my social security number! I hung up, went to the website, and called the customer service number listed there, at which point I was able to speak with a human, who proceeded to tell me that they send that post card to everyone and it is just for marketing! This is a ) false advertising by using false scare tactics and b ) potentially fraud, depending on what they planned to do with my social security number had I given it to them!
Product: Mortgage

A month ago I got delinquency notice from lender ( SLS ). The reason in the notice was a missing payment. In reality when I checked the account summary, I saw that the auto payment was executed on time, but still their backend system marked my account as late on payments. Also they 1. charged me late fees, 2. disabled my auto payment option quoting the missing payments, when it is not actually a late payment 3. reported the same to all three credit bureaus thus dragging down my credit score This has literally paralyzed me from getting better financing options and thus impacting me financially. 

Worst part of it is the customer care. The service channels availabe are only able to hear my case, and they cant provide me a case number and does not allow me to talk to supervisor. They make false promise that, a supervisor would look into the case and connect back in 24-48 hrs and that was never the case. Also when I first reported the issue on XX/XX/XXXX, I was told that they would investigate the same and resolve it by XX/XX/XXXX and there is no progress made. On followup on XXXX of XXXX, the opened yet another parallel case as the support personal was not able to see any update. 

Also I was asked to send an email detailing the issue and no response there other than a canned auto response.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$0.00} HARD INQUIRIES THAT NEEEDS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, one of the major credit reporting agencies, regarding the handling of my disputes concerning negative information on my credit report. I have recently encountered issues with Experian 's response to my dispute letters, and their assertion that the letters " do not appear to have been sent directly by me or authorized by me '' is both inaccurate and deeply concerning.I submitted dispute letters to Experian on XX/XX/2024 disputing certain negative information on my credit report. However, Experian 's response, as conveyed in their communication claims that my dispute letters either did not come directly from me or were not authorized by me. This assertion is complicated and distressing, as I can confirm that I personally submitted these dispute letters, and they were authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never engaged in giving this company the consent to obtain my information, this company is unlawfully reporting, and this is in violation of law made by congress this information is not information relating to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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: Credit reporting or other personal consumer reports

I contacted the credit bureau after I made the complaint through XXXX and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I understand what the law says about the credit report and filing for a bankruptcy but I believe it is not fair that if I file for bankruptcy and the case was dismissed that it is listed on my credit at all, if at the end of the day the government funds were not use to get out of debt why is it being reported at all and damaging my credit? I went through a rough period of my life as many Americans from XX/XX/XXXX to XX/XX/XXXX that filing for bankruptcy was my only option for my piece of mind since I was going crazy not being able to pay off my debts as I wanted to, but the case was dismissed because I was not in the US at the time of the court ( taking care of a personal issue in XXXX ) and I decided not to continue filing the bk after that, still my credit was affected and I've been working hard to restore it, but the bk that I never received a benefit from is still showing and from what I see it will continue coming up for another 3 years. Please if there is a way to have that bk removed please let me know how, or if some amendment to the law can be done to help us consumers that dismiss the cases to have the bk removed would be greatly appreciate it by me and many Americans. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Bank # 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, Transunion, XXXX, and XXXX, asking for validation of debt, upon the XXXX- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
Product: Debt collection

The collections agency. Diversified consultants inc. will not remove an account off my credit, for equipment from XXXX XXXX XXXX reporting as not being turned in, on XXXX I sent the company a debt validation letter, on XXXX they responded saying item is accurate, at that time I called the company compliance Dept and spoke with XXXX @ XXXX XXXX I explained to her that I actually turned that equipment in on XXXX and I Emailed her the receipt to XXXXXXXXXXXX I called her back and she said they had got my Email and would take care of it, so I dispute this item with the credit bureaus as well along with a copy of the receipt, they responded back saying the collection agency DCI says it 's an accurate account and refuses to remove it
Product: Payday loan, title loan, or personal loan

I had gotten a loan to get beds from a store. Was told and set dates for payments the XXXX of each month. Suddenly was charged and got a bounced charge from bank. On the phone with their collections was told some XXXX dollar payment was put through and would be again today. I stated this is not authorized and I was told 1 month not 2 week on payments now leaving me XXXX in the bank currently. XXXX will not work with me and pushing for a payment now even tho that's not what I agreed upon
Product: Mortgage

I applied for a purchase money mortgage for a new home beginning in XXXX of XXXX online with Quicken Loans. I applied jointly with my husband. He is currently retired and is not receiving any pension. I am working and will receive a pension when I retire - projected to be XXXX XXXX, XXXX. We were preapproved in XXXX and signed a contract to purchase a house XXXX XXXX, XXXX. I was told we were approved for the application amount on XXXX XXXX. On XXXX XXXX I was told that Quicken would have to run a new credit bureau report with my husband as primary. This seems to be discrimination against a female applicant that is the primary source of repayment on the loan. I terminated my application with Quicken Loans because of their unfair and deceptive practices i.e. telling me we were approved and then requiring a new credit bureau report. Additionally running another credit report would have had an adverse effect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I went to purchase a new vehicle, XXXX to me a credit reporting agency called XXXX XXXX has access to my credit report and is reporting false information and a low XXXX XXXX of XXXX. When the original XXXX are reporting accurate information. I do not trust now acknowledge this agency They report my XXXX XXXX inaccurately and caused me to not receive support from several loan agencies. To file a formal complaint or to even gain a copy of my report you have to mail in important items. They are non accessible and is reporting false information please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX  XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 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: Credit reporting or other personal consumer reports

Experian : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information ( Account Number : XXXX ) Dear Experian I am writing to formally dispute inaccurate information regarding an account reported by XXXX XXXX XXXX, with account number XXXX, which is currently appearing on my credit report. The information being reported is incorrect, and I am requesting an immediate investigation and removal of this account from my credit file. 

Disputed Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Inaccurate information ( please specify inaccuracies here if you know specifics, e.g., incorrect balance, misreported payment status, unfamiliar account, etc. ) This inaccurate account is negatively impacting my credit score and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate credit report, and I am requesting that you : XXXX. Immediately investigate this account for inaccuracies and provide all documentation verifying the legitimacy of this debt as it pertains to me. 
XXXX. Remove this account from my credit report if it can not be verified as accurate within the allowable timeframe. 
XXXX. Confirm in writing the outcome of your investigation and provide me with a new copy of my credit report that reflects these changes. 

If XXXX XXXX XXXX can not provide proper verification of this account, I respectfully request that this item be removed from my report. I also request that the credit bureau update me within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

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

Ordered item from XXXX used affirm to make purchase. Payed initial payment in order to activate affirm line of credit for item. Item never arrived, reached out to XXXX they said they'd look into it. I had life changes, I moved, I forgot about never receiving refund for the payment I did make until affirm showed on my credit report as delinquent account. Reached out to XXXX again asking why it wasn't closed also reached out to affirm same reason. Affirm didn't respond. XXXX responded saying the item has been lost and they are refunding total amount and affirm should refund in a few days. This account should be closed since I did make initial payment, item was lost in mail, and I was refunded and case closed. Have disputed 3 times from credit report and affirm continues to say information is accurate. I don't have any open accounts with affirm currently.