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

Subject : Third Complaint to CFBP : Experians Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this third complaint regarding Experians repeated failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). Despite my multiple submissions of the required documentation as a victim of human trafficking, Experian continues to deny my request to block adverse information from my credit file.

Specifically, I have provided : A self-attestation letter signed by both myself and an authorized officer from an authorized agency.

A victim determination letter, also signed by myself and the authorized agency. 

These documents have been submitted to Experian on three or four separate occasions. While both XXXX and XXXX accepted the same documentation and blocked the adverse information as required under Section 605C, Experian has refused to do so. This has caused significant inconsistencies across my credit reports and continues to harm my financial standing. 

Experian has repeatedly sent me identical, automated responses, despite my compliance with all legal requirements for exercising my rights under the FCRA. It appears there has been no meaningful human review of my case, yet the only denial reason they give is for me to submit a victim determination letter even though I have sent it to them on numerous occasions I respectfully request that the CFPB : 1. Investigate the methods and tools Experian is using to determine its denial of my request to block adverse information.

2. Require Experian to conduct a human review of my case, as their automated responses fail to address the merits of my documentation and circumstances.

3. Ensure Experian complies with its obligations under Section 605C of the FCRA, as both XXXX and XXXX have already done. 

As a victim of trafficking, I should not be subjected to this repeated and unjust denial of my rights, especially after providing all required documentation multiple times. I urge the CFPB to intervene and hold Experian accountable for its obligations under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by FMS, Investment Corporation via mail. I responded in XX/XX/XXXX and FMS never got back to me. My letter discussed a payment arrangement suitable to my income which decreased more than XXXX ( I lost my job ). 

I received a letter from the Department of Treasury in XX/XX/XXXX indicating that my XXXX XXXX payments from XXXX will be offset in XXXX because I did not contact the creditor ( Department of Education ). 

My letter to FMS ( 3rd party collection agency ) predated correspondence from the Department of Treasury. 

Two payments in excess of {$1300.00} were sent via bank checks to XXXX XXXX XXXX and FMS between XX/XX/XXXX and XX/XX/XXXX. However, the current balance is only about {$300.00} of the original debt. 

I spoke with " XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX for a combined total of 95 minutes. During these calls, " XXXX XXXX '' reported that my household debt was more than enough to pay over {$55.00} per month towards my debt. In addition, she was sending me documents via email. I asked if I opened the email, would it verify what was written in the documents? " XXXX XXXX '' indicated that it would even if I did not agree. Therefore, I did not open the email, as her payment could be more than I could consistently pay. " XXXX XXXX '' also wanted me to provide her with my debit card in order to make a payment over the phone. When asked if my debit card would be charged in the future, she said, " yes. '' Therefore, I did not give her my personal information. Instead, I sent a certified bank check. 

I admit to the debt. I do not accept how I am being forced into making payments that I may not be able to afford. I am still trying to get on my feet after losing my job. While I was approved for XXXX XXXX from XXXX, I am only receiving interim payments, as my application is still in the process of being solidified.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit Reporting act XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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 XXXX XXXX account XXXX
Product: Credit reporting

*** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure )
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of th
e Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

TD Bank and TD Auto Finance has gone into my personal account without my authorization and set up an auto draft in my account {$560.00} starting XXXX XXXX XXXX. 

they have done this today, after a phone call to discuss with them that they have now on 2 occasions attempted to remove money from my account. One time the second week of XXXX XXXX and one time on XXXX XXXX XXXX. We have contacted both TD Bank and

TD Auto Finance and both have stated that they have not done anything with our account.

I have attached a copy of the alert and subsequent deletion that we made to the account. 
We were notified that a new auto draft was put on our account. We cancelled it.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I signed up for a 30 day free trial with XXXX and filled out a line of credit with Citizens One. I was provided a tablet by the sales rep to fill out my information and saw that the equipment was a total of XXXX and that I did not have an interest rate on the line of credit. I have tried to cancel my free period trial with XXXX  and have received the run around, so I got in contact with Citizens One to let them know I would like to close out my account due to the fact that I do not have all of my equipment as promised, and am within my 30 day trial. I was advised I can not close my account unless XXXX sends a notification to CitizensOne of cancellation, where XXXX states I must pay off the amount of equipment in full in order to terminate services with XXXX. I asked them if they were tied in with XXXX and the representative stated that they were not, that they were just responsible for collecting payment on the equipment. I received an email from CitizensOne with my balance, minimum payment and due date. The amount is XXXX more than what I signed off on initially. I do not know why there is added money due to the fact that I can not see what exactly I am being billed for on their site rather than just a total amount. Upon further request it appears as the extra XXXX is coming from an installation fee, that I was not supposed to be charged, and I did not agree to that amount when putting a line of credit in. This was tacked on after the fact, as well as it is an open line of credit for XXXX which is also not what I put in for or agreed to. I agreed to a XXXX line of credit. I did not sign up for a line of credit through CitizensOne for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus XXXX, Transunion, XXXX have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX XXXX : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts has been removed from the other 2 CRAs and transunion is inaccurately and illegal reporting this.

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have tried to fix this many times, and the accounts continue to reappear.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Credit card or prepaid card

I checked my credit score which went down around XXXX points and I wanted to see why. It says I opened an account with capital one bank and spent {$760.00} but I only bank with XXXX. I wanted to file an identity theft report, get it disputed and see if the my credit could be repaired.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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.

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: Mortgage

Bank of America signed me up for their Forbearance program even though I made monthly payments every month. I'm in the process of selling my home and working with a builder to have another home built and learned that while Bank of America was receiving my monthly payments they were noting received, applying payment and from there unapplied the funds. My credit report normally indicates " ok '' when payments are received within the 30 day window but recently started showing " unknown ''. I believe Bank of America is engaging in deceptive business practices and taking advantage of government " Co-vid '' aid all the while hurting the average consumer. I have all the required documentations to support where payments were submitted monthly, each and every month. In addition, I have reached out to Bank of America to try and resolve this and keep getting the " run around ''.
Product: Debt collection

This online complaint is against Experian, one of the three mayor credit bureau. 
They do not allow me to dispute items in my credit report. 
The Experian website always blocked me to submit any new dispute. 
Please see the screenshot I have attached with this complaint. 
My Experian Member ID is XXXX Thank you.
Product: Credit card

I was issued a XXXX XXXX XXXX XXXX XXXX XXXX with a credit limit of {$2500.00} back in early XXXX. As XXXX XXXX member they made an offer to apply, I did and was happy I got approved. I have used the card numerous times, and at one time spent up to my credit limit. I quickly took care of the balance and have since brought my balance down to XXXX  then made a large purchase. After bringing the account to a XXXX balance, I noticed that my credit limit had been decreased from {$2500.00} to {$1400.00}. I never received any notice and I was unable to locate any emails where a letter was sent advising me of why a decrease was done. 

I found out about the decrease when I attempt to make a purchase and it failed because it said it would exceed my credit limit when I felt I had nearly {$1000.00} remaining with my card. I had to make an instant payment to the card in order to complete the purchase and not be embarrassed because I couldn't pay for the groceries my wife and I had bought for our daughter to help her and her boyfriend out. Luckily a quick payment from my checking account allowed me to complete the purchase while I was still in the store. 

I still have been unable to locate any written notice, not even an email, that explains why the decrease occurred. I have nothing to attach to this because I was never sent anything.
Product: Credit reporting

my credit is set up under XXXX XXXX for a purpose. The landlord/ management of this mobile home park in XXXX illegally checked my credit. How do I know this? the mobile home park sent me XXXX and XXXX XXXX as there is their right. However, I signed the lease as XXXX. XXXX XXXX only Experian, XXXX XXXX, and XXXX know anything about XXXX XXXX the lease signature is attached
Product: Debt collection

I used to have services with XXXXXXXX XXXXXXXX  years ago and when I canceled my service they were supposed to send someone out to collect their water dispenser and never did. I have called and spoken with them many times and never had any help and now I have a debt in collections from them for {$570.00}. I would love to have it resolved and them get their merchandise and me not have this debt.
Product: Checking or savings account

After I pointed out mistakes made by the bank to a customer service person they decided to deny me access to my online banking account. " Access is denied on this server ''.
Product: Student loan

The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( s ) that I made during COVID and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022 by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the COVID Relief and what not, borrowers are allowed to request their loan payments made during COVID even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my COVID payment ( s ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage  on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2019 my credit score with Transunion and Equifax were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score  increasing it dropped by 50 points ( equifax ) XXXX ( transunion ). seven days later both had dropped another XXXX points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. Transunion is reporting the following accounts and information violating the laws I listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and collection account reporting XXXX {$140.00} balance with no creditor or person information. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've also attached the fair credit reporting act laws so the person can read the laws they violated.
Product: Debt collection

Contrary to the records held by Exeter Finance, I, natural person XXXX XXXX XXXX, am the original creditor for the transaction involving the XXXX XXXX XXXX on XX/XX/XXXX. Exeter Finance received the authority to be a creditor by extending my open-end consumer credit plan via my credit card. As the card issuer, I issued my credit card to Exeter Finance, where this organization became the cardholder, for the purpose of obtaining property. As the original creditor, the vehicle has already been paid in full by I, XXXX XXXX XXXX, via the finance charge.
Product: Debt collection

XXXX was charging me double the charging of medical treatment before I had insurance. So when I set down with there medical billing department. I qualified for a program that paid my previous bills due to hardship. Also they paid the rest of the bills from XXXX all the way to XXXX. They printed from their screen that my balance was XXXX I did n't own anything anymore. I turned the papers in to XXXX they sent back their report telling me that this company will stay on my credit report until XXXX XXXX. I also came across a page that XXXX had written in file that I have n't worked in three years how can I pay these debts off. So score is staying at XXXX because of this company.
Product: Debt collection

Requested information per dispute XXXX time for debt validation but received no response or information but came back confirmed