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

XX/XX/XXXX As a federally protected consumer who feels harmed by Experian and their reporting practices. I am filing this 3rd complaint against Experian and it's subsidiaries for several violations of my personal and consumer rights. Experian has violated the Privacy Act of 1974, Uniform Consumer Credit Codes, Fair Debt Collections Practices, Fair Credit Reporting Acts, Truth in Lending Act, Securities and Exchange Commission, Federal Trade Commission violations as well as CFPB violations. 

I originally disputed these things on what is called a consumer credit report under Experian on XX/XX/XXXX through this website, then I also disputed a second time via certified mail in letter form per the United States Postal Rule about the things that are reported and sold by Experian on their reporting to no avail! 

Now, here I am a 3rd time trying to get through to this agency Experian via the CFPB to correct their errors in regards to my name and social security number/accounting. 

Here is the accounts that I am disputing as well as the adverse actions that caused harm to me and my families well-being because of their inaccuracies and practices of reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have asked Experian on all 3 occasions on these disputes and even on a private phone call on XX/XX/XXXX and even the letters that I sent via certified mail as well as through the CFPB complaints on XX/XX/XXXX and XX/XX/XXXX to remove all old non-mailable addresses, phone numbers, past employers, different variations of my name, hard and soft inquiries, and other pertinent information in regards to my personal information be removed immediately to no avail! 

The Federal violations that I am using to dispute and show that they have injured me are as follows. 

Uniform Consumer Code Violations. 
Violations of Privacy Act of 1974. 
Negligent Enablement of Identity Fraud/Federal Trade Commission ( FTC ). 
Violations of 16 CFR 441.1 Removal of non-mailable addresses. 
Violations of 15 USC 1681b Permissible Purposes. 
Violations of 15 1681 sect 602-604 Rights to Privacy. 
Violations of 15 USC 1681 Willful Noncompliance-616. 
Violations of 15 USC 1681 Civil Liability. 
Defamation of Character ( Per Se ' ). 
Violations of 15 USC 1692g Fair Debt Collection Practices. 
Violations of 15 USC 1681e Provide Maximum Possible Accuracy/Compliance Procedures. 
Violations of 15 USC 1681m Requirements on Users Consumer Reports. 
Violations of 15 USC 6803 Disclosure of Institution Privacy Policy. 
Violations of 15 6809 ( 4 ) Nonpublic Personal Information. 
Violations of 16 CFR 313.1 Purpose and Scope. 
Violations of CFR 313.4 Initial Privacy Notice to Consumers Required. 
Violations of USC 15 1666b Late payments should not be reported on open end consumer reports as well as past due balances. 

Per these Violations I want Experian to remove all errors from their reporting and my report effective immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection having an account with XXXX XXXX. Experience credit report shows credit was open on XX/XX/XXXX. Records show said account was in " good standing on XXXX " then in XX/XX/XXXX same account shows a balance of {$2000.00} on a {$2000.00} credit limit. I didn't have this account when I filed for bankruptcy in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX*Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Vehicle loan or lease

Capital One is reporting a repossessed auto loan on my reports that I have been disputing with them for over a year now. 

I sent them request for all documents concerning this debt and they provided documents concerning this account ; HOWEVER they did not include the Explanation of Deficiency which details how much the car was sold for as well as all fees that calculated to the balance they say I owe. 

Capital One is very aware that this form is required by law and has failed to provide all documents as requested and sufficient proof concerning this debt. I am demanding that this account is deleted from my reports now or I have no choice but to take further action as well as take this matter to court and request monetary damages for violating my rights and defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt 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 remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/2018 XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$270.00} XXXX/XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Act. # XXXX XXXX. Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. XXXX, XXXX and TransUnion. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit act XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX this loan company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE report
Product: Credit reporting

After checking my credit report, There is a XXXX card balance. I gave them my social security information and nothing is pulling up. Where are t\trying to close on a house, and this is really affecting my eligibility for my VA loan .
Product: Credit card or prepaid card

I used my PayPal credit card ( issued through XXXXXXXX XXXX  ) to purchase an XXXX XXXX from XXXX XXXX ( Pay Pal Invoice ID is XXXX. Transaction ID XXXX ) on XX/XX/2023. It cost {$380.00}. I returned the watch to XXXX XXXX. They issed a refund on XX/XX/2023. The original order number with XXXX XXXX is # XXXX. Paypal did not give me a refund. I filed a dispute with Pay Pal Case ID : XXXX. Pay Pal has not refunded my money at this date. I am unable to contact them to discuss this issue.
Product: Payday loan, title loan, or personal loan

I have a loan for a heating/air conditioning system I purchased in which XXXX XXXX XXXX XXXX XXXX ( to be referred to as Wells Fargo going forward ) was the financing source. The company I purchased thru was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several month 's later we had Hurricane Irma come thru XXXX, Fla. and I was impacted financially by the storm enough that I called Wells Fargo to get relief on not making the $ XXXX monthly payment for at least 1 month. The customer service person on the phone with Wells Fargo stated she would put the request in and advised it would take approx. 60 days to get an answer. I told her to note I would not be making that month 's payment. 
I thought that answer was rather odd, so I called a few days later and spoke with another customer service rep. at Wells Fargo and pretty much had that information confirmed. 
I received a letter from Wells Fargo approx. XXXX XXXX ( after I had made that month 's payment ) that stated they were giving me a 3 month suspension on my payment. ( letter is attached ). 
The verbiage is as follows : This letter confirms our agreement to suspend your monthly minimum payment on the above-referenced credit card account for a period of 3 months. Your next payment will be due on XXXX XXXX. 
During the 3-month period : Your minimum payment due will be suspended Late fees will not be assessed Credit Bureau report updates for your account will be submitted to reflect this relief period. 
Interest will not accrue or be assessed. 

I get my billing due for XXXX XXXX and to my surprise they are requiring a {$230.00} minimum payment and had also charged interest of {$42.00}. 
This does not back up what the letter stated. 
I called customer service on 2 occasions and neither agent had a clue what I was talking about. 
I also called 4 times, XXXX XXXX ( she signed the letter of suspension of payment ), and to date I have not had a requested return call or email response. 
This whole situation is, I fear, going to open up a whole big can of worms with late fees being assessed and derogatory remarks put on my credit report, all for a Wells Fargo screw up. It seems one hand does not know what the other is doing and I need the CFPBs help. 
I will be making my minimum payment of {$140.00} on XXXX XXXX as agreed from my original contract. Who knows what actions this will start so I want to get this under control before it gets out of hand. 

AS AN ADDED NOTE, I WORK FOR THE XXXX in the XXXX XXXX XXXX.
Product: Bank account or service

A friend received about $ XXXX from a sale which was wired to his acct at SunTrust, which already exceeded XXXX. I told him to XXXX some to other banks to keep balances at each under XXXX. He went to his branch in XXXX, VA, where he was instead told the ins is up to XXXX PER ACCT, so half was XXXX into a new acct. Perhaps the person received a bonus as happened at XXXX. I told him that was false, and he returned to the branch yesterday. This time a different desk person was told what my friend had been told previously and that a friend ( me ) had said it was incorrect. That desk person went to the manager with the issue, returning to say coverage limit would be based on beneficiary designation! So this SunTrust branch and perhaps others is giving false and potentially seriously damaging info to customers either out of ignorance or for marketing goals. When I worked at a bank there were fdic brochures. Are there still? If so, staff should be required to dispense one any time a question is asked, in addition to trying to answer the question. There are indeed some fine points involving joint and IRA accts, but the broad SIMPLE headline rule is easy to understand, so the advice given by these SunTrust personnel is unforgiveable. Do something!
Product: Mortgage

My loan got sent back for underwriting and they found a judgement on my record which I paid 10 years ago off, I got the settlement statement. My loan officer said that that was the one thing holding me back from closing everything else is good. Then I get information that I need an explanation of credit stating their are some thing on their that need to be explained. I was under the impression that if they checked my credit twice why now in the final hour is underwriting having problems. I have sent doc. Several times only to have underwriting say oh we need something else or can you explain this it's like they wasting my time and now I am not sure if I will close after months of checking everything and them saying everything looks good and now it doesn't.
Product: Credit reporting or other personal consumer reports

I recieve an email in 3 bureaus and they say I'm not the one who send out letters which is wrong becouse im sending all my disputes. No one help me. I'm demanding to delete all the inquiries listed or included in my dispute letter or else i will file a case.
Product: Credit card or prepaid card

I was charged on the card with number XXXX XXXX XXXX XXXX erroneously by XXXX the amount of {$100.00} on XXXX/XXXX/XXXX. I didnt know this fraud charge was there so i didnt make payments. Chase charged me an additional {$150.00} in late fees since then and ruined my credit. XXXX refunded the charge but chase has not refunded the late fees. I would like to have the late fees deleted and my credit record fixed in regards to these charges. Thanks.
Product: Mortgage

Shellpoints response to the XXXX XXXX XXXX XXXX was much appreciated. However, Borrower wants to point out that Shellpoint claims to have not denied Borrowers request for arbitration because Shellpoint feels the mortgage loan service provider has researched and answered all questions appropriately. 

Borrower should not have to point out to the professional banking institution that arbitration is a review and investigation by a third party other that the Borrower and service provider. The third party review is necessary because Borrower feels Shellpoints responses to be lacking in information and/or to be incorrect in the mortgage service providers assessment of events. 

For example, in a recent letter Shellpoint stated that due to the error in PMI payments being made from Accounts escrow for over six years, the service provider would remove all negative CRA reporting from XX/XX/XXXX to XX/XX/XXXX. The two incidents have nothing to do with each other. 

In reality, Shellpoint removed all negative CRA remarks from the complete history of Account. In addition, XXXX felt the offenses against Account were so great that the CRA removed the Account from Borrowers Credit report altogether. 

So, yes, Shellpoint did deny Borrowers request for arbitration. 

We have come to an impasse in our understanding of of the situation, requiring outside resources to review and conclude how our relationship will work moving forward. 

On XX/XX/XXXX, Borrower was refused service and verbally accosted by a customer service representative. In addition, Shellpoint has since communicated that the Lender Paid PMI Account has been paying PMI from Account escrow for XX/XX/XXXX through XX/XX/XXXX. 

A complaint has been filled with XXXX, which Shellpoint has responded to. 

Borrower has been informed that the complaint and XXXX response will be thoroughly investigated by the Banking Commission and no further information will be communicated to Borrower until the investigation is completed. 

As a result of the events on XX/XX/XXXX and the ongoing issues claimed in the complaint, Borrower has withheld monthly payments for XXXX, XXXX, XXXX and now XX/XX/XXXX. 

Since Borrower has stopped payments, Shellpoint has sent copious communications demanding payment. Shellpoint even sent a certified letter invoking threats of foreclosure after only two payments were missed.
Product: Bank account or service

I never signed up for overdraft protection for my Capital One 360 checking account. Capital One credit card initiated a payment on XXXX XXXX that I had scheduled for XXXX XXXX. I called the credit card division and tried to get them to stop payment, as all financial institutions in 2016 do they claimed they could n't stop this purely electronic transaction even though the banks were n't open yet and no transaction could have occurred and it was going to a bank they owned. 

I knew I did n't have overdraft protection with my Capital One 360 so it should just decline the transaction since there would be insufficient funds. But I do n't trust banks and wanted to double check. It was true that I was n't enrolled in your standard overdraft protection, but to my surprise I was enrolled in something called an 'overdraft line of credit ' with an 11.50 % interest rate. I never signed up for this nor was ever even given any information about it or any notice that this was an active part of my account. Fortunately I was able to turn that off before the banks opened today but I have a feeling this violates the requirement for the bank to get me to authorize overdraft protection. Either that or the bank is having fun with the language of the consumer protection laws and sees this as a way to auto-enroll members into overdraft protection by calling it something else, and likely making more money off of the 11.50 % interest than they ever would have through traditional overdraft fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX  XXXX XXXX Account number XXXX Account Name : DEPT OF EDXXXX Account number XXXX Account Name : US DEPT OF EDUCATION Account XXXX XXXX 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: Money transfer, virtual currency, or money service

I deposited money into their account XXXX, my investment had been up since then. I tried to withdraw it to my bank, I am not able to. They kept telling me to wait, but it had been three weeks now. I am frustrated and worried if anything will be solved. 

Please help me as soon as possible, and get the solution that I needed. 

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

XXXX XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$5100.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) When I contacted the property manager and made payment arrangements, I was told that I would be receiving an itemized bill and that this account would be taken out of collections because I have been making the required monthly payments. This account is still showing up on my credit report as a collection. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Debt collection

On XX/XX/2021, I saw this collection on my XXXX  and XXXX  reports. I never received any information about this debt and I am not familiar with it. It says it was placed in XXXX of 2021. Furthermore, I do not owe a debt to XXXX XXXX XXXX and do not even have services with them as they do not provide internet at my address. I have to have satellite internet because the location.
Product: Credit reporting or other personal consumer reports

***EXPERIAN IS NOT REPLYING AS IT HAS BEEN OVER 90 DAYS ******************************* PROOF OF ORIGINAL DISPUTE INCLUDED VIA USPS TRACKING NUMBER ____________________________________________________________________ _____________________________________________________________________ PLEASE CORRECT LATE PAYMENTS IMMEDIATELY ________________________________________________ ***********************FCRA VIOLATIONS ************************* 1 ) According to the Fair Credit Reporting Act ( FCRA ), the code for reporting false information is 15 U.S. Code 1681s-2 which outlines the responsibilities of data furnishers of information to consumer reporting agencies, stating that a person can not provide information they know or have reasonable cause to believe is inaccurate ; essentially prohibiting the reporting of false information. : : All Inaccuracies And Violations are Highlighted Per Enclosed Credit Report. 2 ) 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to mail or deliver statements to consumers at least 21 days before the due date for payment. Creditors must mail or deliver statements to consumers at least 21 days before the due date for payment. : : No Email, Mail, Phone Call, Nor Correspondence Received Via Any Creditor, 21 Days, Prior To Due Dates. XXXX ) The Fair Credit Reporting Act ( FCRA ) requires that credit reporting companies ensure the accuracy of consumer reports. : : All Information Must Be 100 % Accurate, According To FCRA ; As, All Violations And Inaccuracies Are Highlighted Via Enclosed Credit Report. PAID AS AGREED 4 ) The Creditor Must Legally Produce A Bank Statement Proving That The Payment Was Late. : : No Proof Via The Creditor Received. ______________________________________________________________________ ______________________________________________________________________ CREDIT REPORTS MUST BE 100 % ACCURATE / FALSE REPORTING : : : : : : : Account Balances Are Incorrect ; As, Highlighted Errors And Violations Included Via Enclosed Credit Report. 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute inaccurate information on their credit reports. The law requires consumer reporting agencies ( CRAs ) to investigate and correct
Product: Credit reporting or other personal consumer reports

Long ago I was involved in the Equifax data breach and even before that I suspect my identity was stolen my social security number isn't even correct and the Equifax website that I did on my annual credit report.com free search also there's very many negative accounts and I've never used credit for anything in my life
Product: Credit reporting or other personal consumer reports

The item on my credit report is not my account, it belongs to someone else. This identity theft. I have mail certified documents to Experian supporting documents telling them this isn't my account. They fail to remove this account from m credit report. Acct : XXXX XXXX is fraudulent account. I am requesting this account to be deleted from my credit report Experian, XXXX and XXXX.