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

Experian has failed on numerous occasion to provide me with proof of verification for XXXX accounts XXXX XXXX as well as XXXX XXXX. I have asked them to provide me with who verified this information, when did they verify this information? How did they come to the conclusion that this information was verified and were the proper steps initiated.

15 U.S code 1681 states my rights as a consumer to a fair and accurate report.

15 U.S code 1681i states that The consumer reporting agency shall promptly provide the person who provided the information in dispute all relevant information. 

I believe my request for this information was disregarded on many occasion and I have a accurate paper trail of neglect from Experian. I have asked the company countless of times to provide me documentation that validates this information. They have never provided any factual documentation. 
Also I asked them to provide a wet black or blue ink signature to prove I am the one who signed and open these accounts. 

EXPERIAN PLEASE PROVIDE ME WITH ALL THE NAMES, DATES, TIME, ACTIONS, VERIFICATION METHOD OF THE XXXX  XXXX XXXX AND XXXX XXXX EMPLOYEES WHO PROVIDED YOU WITH ACCURATE AND VERIFIABLE INFORMATION STATED ON MY ACCOUNT. IF YOU FAIL TO COMPLY THESE ITEMS MUST BE DELETED IMMEDIATELY. 

15 U.S CODE 1681S HIGHLIGHT THE FACT EXPERIAN HAS NOT PROVIDED SUBSTANTIAL INFORMATION TO SUPPORT THEIR CLAIMS AND MUST DELETE ALL DEROGATORY REMARKS UNLESS PROVEN OTHERWISE.

I HAVE TRIED ON MULTIPLE ATTEMPTS TO FIX THIS AFFAIR EXPERIAN ALONG WITH THEIR BUSINESS PARTNERS HAVE VIOLATED MY RIGHTS.

15 U. S CODE 1692D IS ANOTHER VIOLATION I HAVE ENDURED FROM EXPERIAN.

THEY HAVE VIOLATED AND ABUSED ME AS A CONSUMER. MY FINANCIAL REPUTATION HAS BEEN TARNISHED. I AM UNABLE TO AFFORD AND HELP MY FAMILY DURING TIMES OF DIFFICULTY DUE TO MY CREDIT WORTHINESS. ACCORDING TO MY RIGHTS AS A CONSUMER I AM ENTITLED A SIGNIFICANT AMOUNT OF COMPENSATION FOR DAMAGES ( 15 U.S CODE 1692K ) I ALSO RECEIVED A NOTICE FROM EXPERIAN ON THE 19TH OF DECEMBER THAT MY ACCOUNT DISPUTE WAS OPENED. ACCORDING TO 15 U. S CODE 1681i, WHEN A DISPUTE IS OPENED THE ITEMS THAT ARE BEING DISPUTED MUST BE REMOVED FROM THE ACCOUNT DURING THE TIME OF DISPUTE. THE ITEMS NOR REMARKS WAS UPDATED ON MY CREDIT PROFILE AND REFLECTED THE TERMS DELETED AND IN DISPUTE THE PROPER PROCEDURES WERE NOT CONDUCTED.

15 U.S CODE 6802 STATES THAT A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC INFORMATION TO A NON AFFILIATED THIRD PARTY. MY INFORMATION WAS PRESENTED TO EXPERIAN ( NON- AFFILIATED 3RD PARTY ) BY XXXX XXXX XXXX FINANCIAL INSTITUTION ) AND XXXX XXXX XXXX FINANCIAL INSTITUTION ). I ALSO WASN'T GIVEN THE OPPORTUNITY TO OPT OUT BEFORE SUCH INFORMATION WAS DISCLOSED WHICH IS A VIOLATION OF MY RIGHTS. 


EXPERIAN KNOWS I HAVE A LONG PAPER TRAIL OF THEIR FRAUDULENT ACTIVITIES. I CAN HONESTLY SAY I AM NOT SURPRISED OF THEIR PREDATORY ACTS.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name : XXXX XXXX Account number : 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 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: Checking or savings account

i just get my statement from the bank and found out that my closed account had XXXX dollars in it. and i only get back XXXX dollars bank check.
Product: Debt collection

I notified Paragon of the identity theft and resulting debt in my name. Paragon refused to address the issue and remove the debt from my credit report. I provided a copy of my identity documents and FTC Identity Theft Affidavit. Paragon has still refused to remove the debt from my credit report.
Product: Checking or savings account

My purse was stolen on XX/XX/2020 in XXXX, PA. I called TD Bank ( FDIC very number XXXX ) and alerted them to the theft and that my debit card and license were stolen. They Closed my debit card and instructed me to come into the branch to get a replacement. I went into the XXXX, PA branch the following day, XX/XX/XXXX, and again inform the teller that my bank card and my ID and my entire wallet have been stolen, that no checks were included in my purse, and I was looking to make sure that my account was safe. She processed a new debit card for me. On Tuesday, XX/XX/XXXX, I received a phone call from a TD Bank branch in XXXX Pennsylvania. They inquired as to whether or not I was in their drive-through, and when I answered that I was not, we determine the fraud was being perpetrated. Upon arriving at the branch they determined that it withdrawal slip had been forged and my drivers license, which had been stolen, was being used to attempt to withdraw {$4000.00}. Unfortunately, they also informed me that earlier that morning, in XXXX XXXX New Jersey, a withdrawal had already been made using the same drivers license and a forged withdrawal slip for {$4000.00}. Police reports have been filed both in XXXX Pennsylvania and in XXXX Pennsylvania. Im disappointed that despite the fact that TD XXXX was informed twice that my purse was stolen, that no holes were placed on my checking account or alerts placed on my checking account to ensure adequate protection. Ive subsequently, closed my checking account and placed additional protections in place. Unfortunately that does not get me back the {$4000.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since then the account was repeatedly charged off for XXXX continuous months. This is and update in payment history. A charged off account should not have included an active payment history those months. The inaccurate Information falsely manipulates the statue of limitations. This account was not investigated properly after I asked TWICE and your neglect has violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX.
Product: Credit reporting or other personal consumer reports

I DID NOT RECEIVE ANY GOODS OR SERVICES FROM THESE INQUIRES. I DID NOT REQUEST FOR MY CREDIT TO BE PULLED AND ACCESSED TO THE FOLLOWING COMPANIES. BLOCK AND REMOVE THEM.
Product: Debt collection

In XXXX, I had mobile service with XXXX. Per my conversation with XXXX, I would avoid any balance with them if I returned the items. In order for me to return the items, I had to get a XXXX XXXX I went to a local XXXX store and was able to get an XXXXXXXX XXXX  and I sent everything back.

I am really annoyed that this will be the 4th collection agency claiming to collect for XXXX. Each time the collection agency is increasing the amount. I was blown away to see that it is not {$1500.00}? I was never notified and contacted by this collection agency. I was notified by the credit reporting agency when my credit score plummeted XXXX XXXX. My credit is vital to my business and to have this fraudulent account ruin my credit score is devastating, especially when I everything back in XX/XX/2022. 

I provided pictures of the packing slip and showed everything that was being returned. I could not return any of the items without an XXXXXXXX XXXX All of the items that were in the box.
Product: Student loan

They have been calling my grandma every day about the loan, even after my owed amount as been paid
Product: Money transfer, virtual currency, or money service

Unable to get my money using Paypal and they put my account on hold and no longer able to use my account for 180 days. I have XXXX XXXX and it was transferred to me last XX/XX/2022 by a friend and I really need the money for hospital expenses. My email is XXXX.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

XXXX. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. CONSUMER PORTFOLIO SVC Account Number : XXXX This is not mine.
Product: Credit reporting

I have been on file with Equifax credit bureau since XXXX, my date of birth on file is XX/XX/XXXX, all of a sudden someone at the crest bureaus stated that thesome collection agency reported my date of birth as XX/XX/XXXX. Equifax asked me to send them verification from social security which in fact I did. I also faxed and mailed my license to them they still will not correct my date of birth. The fraud department has stated that this is a mixed credit profile and the agency has destroyed my Advantage score, they taken away a XXXX points for no apparent reason as all of my bills are paid on time never late and credit cards ratio are XXXX balance. 

Their is XXXX erroneous hospital bills on my. Credit report with different birthdays however the credit bureaus has yet to remove this error. Every day they are taking XXXX XXXX points away from me and last week they taken XXXX point then another XXXX.i have repeatedly told them to look at my historical data as it clearly shows I have been on file since XX/XX/XXXX and born in XX/XX/XXXX. The social security Administration has sent over a statement telling them my date of birth and social security number as well as my current address. This agency fails to follow through and I sent this over to the US District attorney. I want this error fixed. How can someone change a date of birth, and how can the bureaus be so careless to accept erroneous information without checking the validity to actually see if it matches consumers profile. This is a huge mistake that Equifax has made, and I want this fixed or I will sue and seek for damages related to the errors this agency has made .posting different birthdays, posting medical bills that have different birthdays. Please help me get them to fix this is a timely manner.
Product: Student loan

Students loan that was paid off in XXXXXXXX XXXX XXXX have recently been re-instated to be paid AGAIN. This action happened when the company switched to a new software provider. 

Loan for {$16000.00} was paid off on XX/XX/year> for the total of {$16000.00}. Loan was gone and everything was fine. Mohela then transferred to a new software system. Initially everything was fine and our one remaining loan was visible. A month later the paid off loan showed up, accruing interest, and now asking to be repaid. 

Called on XX/XX/year> and was told that they were looking into it. Called back on XX/XX/XXXX and was told that they see the payment and can see the error and the loan would be rebuilt and that loan removed but they have no timetable on when this will be done so the pushed all payments back to XX/XX/year>. 

Called XX/XX/year> was told we need to speak top a supervisor and was left on hold for XXXX hours. 

Called back on XX/XX/XXXX, was told we need to speak to a supervisor and we gave a callback number. Was told that we would be contacted in 52 minutes. 180 minutes later we still haven't received the call. 

Callback received on XX/XX/XXXX and the loan is still being worked on the payments will be put off until XXXX and to call back then ....
Product: Mortgage

Dear Sir/ Madam I am a Td bank customers for many years, I had three mortgage loans XXXX & XXXX & XXXX and recently closed loan on XX/XX/2019 loan # XXXX. I started my Loan application with XXXX XXXX XXXX XXXX XXXX XXXX ( MLS XXXX ) back on XX/XX/2019, all documents were submitted before the Loan officer contacted me to the fax number provided by loan originator XXXX XXXX XXXX after a week a loan officer named XXXX -XXXX XXXX contacted me to ask for the documents I submitted by informing me nothing at her file and I have to resend all again. she stopped return my calls or email for healthy information for my Loan this caused me to call back XXXX XXXX to ask her to be a connector and deliver my massage and concerns, I was told that they work at two different buildings and she will try to email her. after two month of suffering with that loan officer I was told that she was terminated and my loan assigned to a new loan officer XXXX XXXX XXXX works under manager XXXX XXXX XXXX non of all names and numbers call back or email me back. XXXX XXXX called once to inform that she is the new loan officer and never call back. it is disrespect to their customers who I am one of them. the miscommunication caused that on XX/XX/2019 the previous closing date I discovered that they charged me cost for TWO POINTS {$7700.00} but i bought only ONE POINT TO REDUCE THE RATE TO % 4.125 RAISING UP CLOSING COST TO {$16000.00} ( therefore I have to stop closing and asking them to correct their errors. part of the errors was corrected which the price for two points, but they also repeated a new error which over charge under escrow ( the house I refinance it is under TD bank mortgage and it's mortgage including escrow too means TD bank pays for property tax and home owner insurance therefore there were no need to charge me again for the same property tax and home owner insurance which is paid and up to date under loan # XXXX ) I have to pay at the closing $ escrow {$3100.00} which is paid under the above loan number I refinanced! .not even that but the above loan balance was {$98000.00} at the new closing date XX/XX/2019 they charged me for {$98000.00} ( higher than the loan balance {$270.00} ). 
I requested to pay off my line of credit loan balance amount {$170000.00} under line of credit loan number XXXX but the bank charged me {$170000.00} XXXX higher than the loan balance {$970.00} XXXX total over charge under both loans {$1200.00} plus the unauthorized escrow {$31000.00} = {$4400.00}. 
On XX/XX/2019 I called all names listed to me whom works on the above closing for loan XXXX and no one answer different than XXXX XXXX XXXX who SAID CONTACT YOUR LOAN OFFICER. 
ADDITIONAL the recent closed loan # XXXX was rated and I paid for and Title company closed for interest rate % 4.125 but after closing I discovered that the rate online % 4.13. 
I do not know what I have to do more, I gave up and I lost money under false charges fees from TD bank please help me and advise me what I can do? 
Only one of their worker Ms. XXXX XXXX XXXX was helping me within her limitation of authorization.
Product: Credit reporting

I am a victim of Identity Theft. I called Experian at XXXX XXXX XXXX XXXX. There is no option at all to talk to a live person it is all computerized. The only way to talk to a REAL person and not a computer was to call another # for there Credit Monitoring Services. So that is what I ended up doing. I called the number and the person could n't help me with what I needed because I have ID Theft and I am not a paying member of Experian. I wanted a number to call there customer service dept. they told me sorry they did not have XXXX they had to transfer me to that department in the company, XXXX minutes later sitting on hold ... I talked someone in their dispute department, not customer service department. I told the rep that I mailed in my police report ( copy ) that the police gave me when I was at the police station, copy of my driver license, a copy of my cable bill, and the form I filled out & that I have identity theft with all my information they were requesting ( per what is on their Website ). What Experian mailed me back was a piece of paper telling me that I already have a security freeze on my report ( that is because I paid {$5.00} via their automated phone system, the day I had IDENTITY THEFT to freeze my credit ), what I wanted from them was confirmation that they are aware that I have identity theft. What was frustrating about this was this took XXXX minutes to get the answer of being on hold and being transferred around from department, and also that they do not even have a regular customer service number where you can talk to a live person. The person in their fraud department told me that because I am not a member of Experian ( paying member ) there is no customer service number. Then they told me what the XXXX Police Department gave me and that I copied was no good, and I needed a Police report copy and I needed that to be sent in to be able to freeze and unfreeze my credit with no charge. So I call the police, the police public records person told me I have to come in and pick up the report ( there office is XXXX miles away from my house ) Monday - Friday, or the XXXX option was they could mail it to me and that would take 8 - 9 months. All I can say is oh my god. So if I wanted it mailed it takes 8 - 9 months to get that sent to me in the mail. That is worse than calling XXXX XXXX, and I have XXXX XXXX. That procedure is extremely unfair to the average person. I have to mail that in ( a copy of the police report ) to Experian, XXXX, XXXX to be able to freeze my credit and unfreeze my credit since I am a victim of identity theft!! What upsets me the most is that when I call Experian there is no live person to talk to and if you are not ( a paying member ) you have to wait on hold XXXX minutes or whenever they decide to answer the phone. XXXX the thing that also annoys me is that the XXXX police department told me it would be 8 - 9 months before I would have the police report in the mail. All I can say is wow! I am a victim of identity theft here and this is how I am treated. I pay my taxes. I am a contributing member of society. I am really annoyed.
Product: Credit reporting

On XXXX XXXX, XXXX I received an alert from the credit monitoring service that I use advising that a new account had appeared on my Equifax credit report. When I logged in to review the alert I was also informed that Equifax had removed XXXX accounts from my credit report and added the new account. I find it strange that on the same day that I have a new positive account reporting in the amount of {$19000.00} that Equifax would removed XXXX positive accounts bringing my credit score down by XXXX points, this also affected my account age history as well. XXXX - closed account was removed, XXXX XXXX - closed account was removed, XXXX, - closed account was removed, XXXX XXXX Bank - closed account was removed, XXXX - last payment XXXX XXXX was removed, XXXX XXXX Bank - closed account last payment XXXX XXXX was removed, XXXX XXXX - closed account last payment XXXX XXXX was removed. All of these accounts were in good standing and should have not been removed. The removal is an effort by Equifax to keep low credit scores low. This type of behavior has to stop!!!!!!!! I work hard and I pay my bills in an effort to increase my credit score and I should not have to be attached by a company that is suppose to be neutral. I contacted Equifax immediately to discuss the concern. The representative and then the supervisor both told me that no accounts had been removed. I then requested the supervisor to review a report from last week and compare it to the current report. The supervisor advised me that they can only see the current report and not past information. There was also language barriers that made dealing with both representatives difficult. This is another complaint that I have with Equifax, how can you outsource a job to individuals that do not have a full range of English comprehension.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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