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

Dear CFPB Team, This is a formal follow-up to my ongoing complaints against XXXX ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, XXXX continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting Experians Malicious Intent : 1. False Certification Claims by XXXX : XXXX has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that XXXX is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, XXXX has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. XXXX refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3. Experians Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, XXXX is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet XXXX has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : Experians continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if XXXX ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and Equifax. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX as individual and charged off.
Product: Payday loan, title loan, or personal loan

The Story This is basically an office front that will look for bank financing for you to purchase panels and then subcontracts out to local companies to install solar panels. My project took nearly a year, when initial estimate was 3-6 months. My project manager quit that company, which was a red flag, but the panels were already delivered. I didn't know if I could cancel at that point, but I probably should have asked. 

They used one loan company, XXXX XXXX, to obtain the 50 % down portion ( {$21000.00} ) and in the middle of the construction, switched to a second loan company, XXXX XXXX , XXXX promising to pay off the first loan, but they never did, leaving me with 2 loans for 150 % ( {$63000.00} total ) of the promised cost. Once I found out, magically, no one answers the phone at XXXX XXXX. I called both loan companies to try to find out what my options are, but I couldn't get any help from either of them. Half of the money obtained from XXXX should be going to XXXX XXXX to pay off the first loan and I feel defrauded and asked for help, but got none. 

After months of calling and trying to communicate with the Finance dept at XXXX XXXX, the Finance chief quit the company and told me that it would be unlikely that they will refund the money owed. They knew what they were doing when they made false promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX XXXX XXXX XXXX security freeze Dept Fraud alert Dept After explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my transunion, XXXX and XXXX file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell the credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I recently was alerted to stated debt by XXXX XXXX XXXX by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.
Product: Debt collection

I contacted Progressive Management Systems on XX/XX/2023 regarding a statement they'd sent me. They told me that the current balance included several accounts. I requested substantiation of the debt since the statement they sent me did not include any details other than the total current balance. They never sent me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written request to the National Consumer Telecommunications and Utility Exchange , Inc. asking for my consumer report and numerical score, as allowed under the FCRA. 
On XX/XX/XXXX I received XXXX letters from the NCTUE. XXXX contained my report ( Conf # XXXX ) ( which had errors, but has since been corrected ) ; the other ( Conf # XXXX ) did not contain my requested numerical score, but instead a letter claiming, Based on the contents of your NCTUE data report as of XX/XX/XXXX, your score is unavailable. In order to calculate a score, the NCTUE data report must contain at least XXXX account showing an update in the last XXXX months. 
I found this odd, as the very NCTUE consumer report they mailed the very same day as the denial letter included an account that had been updated numerous times within the past XXXX months. So. 
On XX/XX/XXXX, I again mailed NCTUE a letter requesting my numerical score. I included a highlighted copy of the consumer report they issued ( which clearly indicated my monthly power bill amount as well as my monthly payment for each of the XXXX previous months. ) More than simply sending highlighted copies, I also wrote in great detail a note explaining how theyd made a mistake. 
Today, I received a response dated XX/XX/XXXX with a confirmation number XXXX. It AGAIN claimis I have no score because my account reflects no activity within the past XXXX months. No mention of my letter, no explanation why theyre ignoring my actively reporting utility bill, just another ( wrong ) denial letter. 
NCTUE included no contact number. Every one I find online leads to an automated system that makes it impossible to address my concern.
Product: Checking or savings account

About a week ago I opened up an account with Robinhood and transferred in {$1000.00}. That money is currently sitting in their savings account. On Saturday XXXX XXXX I attempted to purchase some XXXX  through my XXXX  wallet XXXX. The purchase was declined and XXXX locked my account due to suspicious activity. I requested a call from customer support that day and got a message saying they would call in 30 minutes. That was Saturday late afternoon.

24 hours later I still hadn't received a call, but I got an email requesting a photo of my license and a recent bank statement. I replied with those items. Today, 36 hours after they said they would call me, I got a call from one of their customer service representatives. The man interrogated me for 25 minutes asking me pointless question like where did I learn about bitcoin and why was I buying bitcoin. At this point I only wanted to close my account and get my money back. I was put on hold and then they disconnected. I immediately received an email saying they tried to call me today but they couldn't reach me. This was just a few minutes after being interrogated for 25 minutes. 

They put a button on the home screen of my account saying to click here to request another call back. The problem is the button doesn't work on any computer or browser. There is no phone number or email address I can use. 

At this point I have no way of closing my account or getting my money back. These are funds that I need. Reading online forums today I was dismayed to discover so many people having the exact same issue, some have been waiting months to close their accounts with no success.
Product: Credit reporting

I have account on my Equifax credit report that I am not responsible for. I have contacted the bureaus along with creditor and have had no help with resolving the situation.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX.
Product: Debt collection

I had 2 credit cards with XXXX XXXX, these were 5 years ago. They were charged off, another company got them, originally Ive was {$500.00} and one was {$300.00}, this collection agency called LVNV went to court behind my back did not serve me that I even had a court date and was successful in gaining a judgement t against me for XXXX and XXXX for a total of {$2700.00}. Not only did they do this but XXXX XXXX sheriff served my bank XXXX and took money from my XXXX XXXX XXXX high school checking account. I called XXXX and complained and they said we served you the paperwork and I said yes you handed me a judgement t that was already signed by a judge but thats it. Its criminal what they did. They have other names too so its hard to track them down. They operate from several states including XXXX XXXX Nevada, XXXX Calif and North Carolina. It has been a nightmare. Im going to be homeless soon if I can not get my credit score up. These are the only debts I have. Im XXXX, have a XXXX XXXX XXXX. Our lease ends in XXXX and Ive tried to apply for rentals and Im not qualified because my score is XXXX because of these XXXX XXXX collectors. Please help me.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} Account number XXXX XXXX  XXXX {$1800.00} Account number XXXX XXXX  XXXX {$1200.00} Account number XXXX XXXX XXXX {$200.00} Account number XXXX Names : XXXXXXXX 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

This ticket was actually my sons while driving my car. I paid it to get it off of my credit report and contacted the courts who said it was paid and also sent me confirmation of the payment showing the balance of {$0.00}.
Product: Credit card or prepaid card

I closed my Indigo card account in XXXX. Completely paid off the card. when the card was closed, that should have meant no more transactions. I was told the card is closed and to destroy it. I did. Since then, I had XXXX unauthorized transactions from XXXX different company. I called Indigo and was told my account is closed and they were trying to figure out why I am still being billed for some auto pays that I am being double bill for. Since XXXX of the auto pay is my virus protection, I agreed to pay for the charge and was promised nothing else will be billed to me. 
Well, that didnt happen, I am steadily being billed and it seems the customer service rep cant do anything but lie to me about the closed account. I thought closed meant closed. I want this account shutdown completely with a {$0.00} balance as it was back in XXXX. Indigo doesnt know what close meant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of the three credit reporting agencies ( XXXX and XXXX ) still improperly show a debt in collection that I do not owe. I have attempted resolution with a prior complaint ( XXXX ) to no avail. 

In 2018 a " XXXX XXXX XXXX, XXXX '' placed a collection debt on my credit report -- I was never notified of it otherwise. As a result I contacted them to resolve -- I had no unpaid debts to my knowledge. At the time they just Identified Bank of the West ( BoW ) as the creditor to which I explained that I had recently resolved a bank error and there should be no negative records ( backed up by letters from the bank and a corrected XXXX credit report ). They gave me no more information and they refused to change the report. I then filed the first CFPB complaint ( above ). 

Only in the their written response to the CFPB complaint did they identify the debt as associated with a checking account at BoW ( at the time, joint with ex-wife ) that has long been closed. I had no known debt from any checking account anywhere. So I set out to research and find the source within BoW and to contact the local branch where the account was held to verify the activity. After four ( 4! ) years of communications and efforts they have never been able to identify any debts/fees owed by me to the bank nor any records of the account being delinquent. I, of course, offered to pay in full if that was the case. They have in fact stopped communicating on the matter. Email trails of communication with customer service person and bank manager attached. 

This XXXX XXXX XXXX debt is false and not mine. I was never notified by any entity within BoW -- despite extensive efforts on my part to research and find it -- of any debt or fees owed. I have tried for four years, from the banks central records to the local bank manager to find a record of the debt and have even offered to pay it if verified, all to no avail. 

This is not reflective of my credit worthiness ( the correct credit report XXXX has my XXXX XXXX at XXXX ). This record of delinquency should be removed from my XXXX and XXXX credit reports with no negative reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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 a account without my written instructions